Banks Pakistani Community

Key Takeaways Planned branch network reduction and intensified competition may limit customer acquisition and harm revenue from remittance and deposit growth. Focus on increasing current account deposits could reduce costs, but may not offset lower loan interest rates and tighter net interest margins.

Key Takeaways UBL's employee-centric shift and focus on low-cost deposits aim to enhance customer satisfaction and optimize capital structure, potentially boosting revenue and net margins. Strategic divestment and investments in treasury securities and investment-grade bonds aim for sustainable earnings growth and stability while reducing risk.