INTERNSHIP REPORT ONZarai Traqiati Bank of PakistanSubmitted To:Internship report submitted to faculty of management & administrative sciences in partial fulfilment of the requirements for the degree of Masters of Business Administration.

MBA (3.5 years)

UNIVERSITY OF GUJRATG.T Road CampusDate of Submission: 15-09-2013

Name of Coordinator: _______________

Signature of Coordinator: ______________

DEDICATIONI dedicate my this internship report toALLAH AlmightyWho has created me as human Being and helps me in difficulties,And my parents (especially father,Mother) and my sister by whomWishes, I have reachedAt this stage.

AcknowledgementsAll praise and gratitude due to ALLAH ALMIGHTY who created man in His own image and enjoyed upon him to travel on the earth and enter into a profound and analytical study of Universe for spiritual appreciation of ALLAH's Unity and his attribute as well as for harnessing the material manifestation of the world to the mankind's profitable utilization. In the first place, therefore we express our utmost thanks to ALLAH.At the next stage I offer our gratitude to our Apostle and prospector Prophet Muhammad (P.B.U.H) for his golden saying "Gain knowledge from cradle to grave". I am really pleased here to acknowledge the sheer efforts and extreme of numerous people, those who have provided me their service in the completion of my internship report at ZTBL GUJRAT branch. I would like to thank my supervisors in the bank during my internship period of 6 weeks here in ZTBL: Mr. Shahid Mehmood (Branch Manager) Mr. Mohammad Jamil Mrs. Iram Shahzadi Mr. Irshad Mr. Naseem SajidWhole staff and these officers were so cooperative and nice to me that without their guidance and support this internship would not have result in success. I learned lots of things like corporate ethics, culture, structure and management, which will help me in my career ahead.At the next stage I would like to thanks to my family and friends for their moral support. And most especially thanks to my respected Teachers who help me in the completion of my internship.Thanks all!

Table of ContentsTitlePage No

Executive summary7

Main body of report8 to 67

Introduction9 to 10

Overview of the Organization11 to 23

Corporate Vision11

Corporate Mission12

Brief history of ZTBL13 to 16

Nature of the organization17

Business volume, Reward, honors & success stories17 to 18

Product/service lines18 to 22

PEST analysis22 to 23

Contribution toward economic development23

Organization structure24 to 34

Organization setup and hierarchy Chart24 & 25

Grades of banks26

Number of employees27

Main offices27 to 30

Introduction of all departments31 to 34

Comments on the organization structure34

Internees Work35 to 64

Brief introduction of internee's office/branch36 to 42

Detailed description of departments of Internee's branch42 to 53

Details of supervisors54

Weekly time tables55 to 60

Detailed description of activities 61 to 62

Detailed description of assigned tasks 63 to 64

Summary of learning65 to 67

The skills and qualification I have gained from the internship65

The responsibilities I have undertaken during my internship65 to 66

How internship influence on my future career plans66

Internship activities and Class room knowledge67

Conclusions of report68 to 71

Summary of key conclusions derived from the internship experience68

General observations68 to 69

SWOT Analysis of ZTBL69 to 71

Recommendations72

References73

Appendix and supplementary Material74 to 79

Executive Summary:The purpose of the internship program is to acquaint the students with practical applications of theoretical concepts taught to them during conduct of their MBA program. All the efforts on the way are summarized in the shape of internship report.The Zarai Traqiati Bank Limited (ZTBL) is single largest supplier of institutional agriculture credit in Pakistan. ZTBL is corporate body enjoying semi-autonomy in the conduct of its operations. ZTBL serves its venerated customers in the form of different customized products. It is providing both type services financial and nonfinancial mostly to its client of the rural areas of the Pakistan, which comprises of 68% of the Pakistan's total population. The bank has country-wide network in the form of 370 branches and is serving round about half of the million clients annually and over accumulated account holder's with the average loan size of around Rs. 162331 serving 68%, 29% & 3% 0f subsistence, economic and large growers respectively.I have done my internship at ZTBL GUJRAT branch and also I have done work in its different (Credit, CAD, Cash, Accounts, Deposit and Computer) Departments. My internship goals are to learn about basic functions and procedures of all departments of ZTBL GUJRAT branch. For this purpose I have done work with the help of different supervisors. During my internship I fill different vouchers, Account opening forms, loan case files, inter-branch transaction advice and allot the numbers to different applications etc. I have learnt about the working and functions of ZTBLs official softwares and bank how maintain record. And also help to the customers and I learned how to interact with others and what kind of organizational behaviours are acceptable and non acceptable. I learned time management and work accomplishment effectively and efficiently.I observed there friendly environment, strong relationship among pears and computerized system which enable organization to avoid problem related to manual system. After my internship I am able to say that there is a difference between theoretical knowledge and applying that knowledge into the practical field, therefore internship is very necessary for the students to get aware about the ups and downs of practical field.

Part # 1Main Body of Report

Main Body of ReportIntroduction:Main purpose of internship give a demo to the student that is about the office working and work in reality and also encourage the student and building the interpersonal skills, ability communicate, writing and research ability, team working, living in office environment, follow the office rules and regulation and dealing with customers. This chapter consists of back ground of internship that's what is the purpose, scope, objectives and methods of internship? Purpose:I am the student of business administration and required to complete our six week internship in an organization. Internship is a training programme and it is compulsory for the completion of degree programme and also internship programme very helpful in future because in which internship we learn about the office working, team work, organizational behaviour, customer relationship, motivation work under the direction and internship gives also platform for the future. We also learn about making decisions, dealing with obstacles, self presentation, making policies and also analysis our skills. Scope:In internship there is a good scope because in which internship we learn about working of the organization and learn about the culture of the organization and also know the rules and regulations and secrets of the organization that's why the many organizations recruit internees. Internees as an easy source for supply of labour because it is reduce the cost of training of employees. Objectives:An internship provides a variety of benefits. Internships give a taste of what a profession is best.The following list of objectives. To test my interest in a particular career before permanent commitments are made. Develop skills in the application of theory to practical work situations. Develop skills and techniques directly applicable to careers. Avail opportunity to develop attitudes conducive to effective interpersonal relationships. Increase a sense of responsibility. Be prepared to enter into full-time employment in their area of specialization upon graduation. Acquire good work habits. Avail the opportunity to earn a salary while pursuing educational goals. To develop employment records/references that will enhance employment opportunities. Gain an in-depth knowledge of the formal functional activities of a participating organization. Avail the opportunity to understand informal organizational interrelationships. Internship programs will enhance advancement possibilities of graduates. Have higher levels of academic performance. For the motivation Learning Methods:I have used different why of learning during the internship. I use my personal skills and also observe the others work and give the full interest in the offices work actively participates all activities that are related with the office work. Avail all opportunities of learning and learn with the help of others. Organization:After all the planning of scope and objectives I decide that I did my internship in "ZARAI TARAQIATI BANK LIMITED". Summary:In this chapter I discussed about the purpose of the internship and scope of the internship and objectives that how it will help me in my present studies and in my professional life while pursuing my career is discussed. And develop employment records/references that will enhance employment opportunities.

Overview of the organization:Corporate Vision Dedicated to serve the needs of the farming community, by delivering financial products and technical services on a competitive and sustainable basis, in a convenient, efficient and professional manner, leading to success of the Bank and the farmers.

Corporate Mission

To play effective role in the promotion of economic growth, by enhancing the availability of credit to the agriculture sector, through reliable access to sustainable financing, special lending programs, technical assistance, and other products & services, and to promote career development opportunities for increasing professionalism and technical proficiencies of employees.

Brief History of ZTBL:Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical Know How. The restructuring of former ADBP is being carried out with the aim to uplift the agriculture and rural sector by raising farm productivity, streamlining the institutional credit and increasing income generating capacity of the farming community. ZTBL was incorporated as a Public Limited Company on 14th December, 2002 through repeal of ADB Ordinance of 1961. The new corporate structure redefines the bank's status as a public limited company registered under companies Ordinance'1984 with an independent Board of Directors which aims at ensuring good governance, autonomy, delivering high qualityZTBL is a key R.F.I of Pakistan providing affordable, rural and agriculture financial/non-financial services to the rural Pakistan, comprising 68 % of the total population. The Bank through a country-wide network of 370 branches is serving around half a million clients annually and over one million accumulated account holders with the average loan size of around Rs.162331 serving 68%, 29% & 3 % of subsistence, economic and large growers respectively. The total assets of the Bank stand at Rs.123 billion with authorized capital of Rs.25 billion as of 31.12.2011, with a nation-wide working strength comprises 5789 employees. The share of ZTBL in total national institutional agricultural credit is 23% as on 30.06.2012. ZTBL was incorporated as a Public Limited Company on 14th December, 2002 through repeal of formal Agricultural Development Bank of Pakistan Ordinance of 1961. Thereby transforming the bank as a corporate entity to serve as a R. F.I ZTBL Objectives Develop and operate as a financially and operationally sustainable R.F.I of the country. Assist rural community, particularly the small farmers, in raising their productivity and income levels through timely delivery of credit, advisory and ancillary services. Build ZTBL's image as a proactive, client friendly, financially & operationally sustainable with indigenous product deployment. Establish and provide backward and forward linkages to strengthen agri. value added commodity chains. Engage in public - private and wholesale - retail partnership to deepen outreach and reduce operating cost. To function as a rural commercial bank to mobilize rural capital formation and to commercialize the agri. sector by delivering the true value of credit to the client. Provide a wide range of risk insurance products to its clients.Transformation of ZTBL to R.F.I of the country and road to excellence:Healthy and well-functioning rural finance markets are directly related to achieving the two key national policy objectives of accelerating rural/agriculture growth and reducing poverty. The realization of these objectives depends on the simultaneity of developments in rural finance and non-financial markets to foster the creation of diverse sources of rural finance to build sustainable financial institutions, and stimulate products and capital flows in the rural sector. For this, rural finance must be seen as an integral part of equitable development within a framework of macroeconomic stability. The ongoing corporatize restructuring lays the basis for fundamental reforms for rural finance market development. The recurring financial drain, pursuing the old rural finance paradigm and the narrowing fiscal space have also promoted a shift in Government strategy that now seeks viable intermediaries for enhancing outreach. For the majority, access to affordable rural finance services is also important to enable them to compete in the post-World Trade Organization scenario. Inability to compete because of high financial costs could reduce income of the majority of farmers and rural clients, particularly the small and subsistence clients. Lack of access to affordable rural finance services will also prevent the clients from switching to non-farm activities. The ZTBL restructuring plan covering the following: Governance: establish an environment that facilitates good governance and accountability. Systems: modernize operations through use of technology, networking and communication tools. Business processes: streamline products and delivery systems so as to reduce transaction costs, simplify operations and increase outreach. Products and services: introduce products and services that are financially economically viable. Human resource development: improve standards and skills of management and staff and strengthen training capacity. IT: establish new hardware and software platform to support MIS, accounting system including forensic accounting and risk management functions.The reforms shall establish ZTBL as a key R.F.I of the country, aiming to outreach annual rural clientele to 600,000 by the end of year 2008. By expanding its private sector role, the bank aims to establish network of high tech rural and agri. financial services through intermediations under public private participation and whole-sale -retail lending mechanism.

Board of Directors:In board of director there are 10 members.

Sultan Ali Chaudhry Mr. Ihsan-ul-Haq Khan Chairman Board President/ CEO

Mr. Abdul Wajid Arain Ch. Mohammad Zaka Director Ashraf Director

Mr. M. Yaqoob Vardag Mr. Zafar Iqbal Director Director

Dr. Amir Mohammad Dr. Khalid Ahmad Director Khohar Director

Mr.Mahmood Nawaz Muazam Ali Shah Company Secretary Director

Nature of the organization:Zarai Tarqiati Bank is to provide credit facilities to the farmers, including hiring and renting of anything which it may advance way of loan and the provision for ware hosing facilities of such terms and subject to such conditions as may be prescribed by its rule to agriculturists for the purpose of agriculture and to persons engaged in cottage industries in rural areas and provide sustainable rural financing services, particularly to small farmers. And also receive utility bills, Hajj applications and some branches have the facility of western union and INSHA ALLAH this facility available in 2014 at every branch.Business volume, reward honors & success stories:

The AAA/A-1+ (Triple A/A-One Plus) ratings assigned to Government Guaranteed Obligations of Zarai Taraqiati Bank Limited (ZTBL) take into account the Federal Government guarantee on credit lines obtained from the State Bank of Pakistan (SBP) that form the pre-dominant source of the banks funding. Safety of deposits mobilized by ZTBL is also guaranteed under the Banks (Nationalization) Act, 1974. At end-Dec12, balance sheet footing of the bank was higher at Rs. 131.9b. Net advances increased to Rs. 88.1b (FY11: Rs. 84.7b) though its proportion in total assets declined to 66.8% (Dec11: 69.2) by end Dec12. While various new loan products have been launched by the bank in FY12, Sada Bahar Scheme has remained the flagship product of the bank, though its proportion has been declining in the total portfolio. Awami Zarai Scheme, which relates to crop production loan, has witnessed an increase over time. The management intends to increase the proportion of this scheme in overall loan portfolio. As part of its restructuring, the bank had initially submitted a proposal to SBP for restructuring of the outstanding credit lines and subordinate debt to the tune of Rs. 54.5b; terms of the same could not be finalized. The management has been in continuous negotiations with SBP in this regard. The management plans to submit a plan whereby remission in net debt is proposed after adjustment of ZTBLs claim on account of mark up differential due to previous cap on lending rate. The terms of restructuring, if finalized, could have significant implications for the risk profile of the institution. Meanwhile, the bank managed to increase its deposit base in FY12 though its proportion in overall funding base remained moderate. This along with equity expansion through profit retention provided additional liquidity mainly manifested in government securities and, to some extent, in TFCs having good credit quality. Liquid assets as a proportion of borrowing and deposits improved on a timeline basis, though still remaining on the lower side. In view of disagreement on mark-up rate on SBPs credit lines, the total liability of the bank could be different from that recorded on books.Product/service lines: Loan schemes(i) One Window Operation/ Zarkhaiz Scheme (ZS): Salient features of the Scheme: An easy way to get Agri. Pass Books. Credit needs of the farmers at the ir doorsteps. All formalities from the issuance of Agro. Pass Book to processing of loan are completed on the spot. Simplified documentation. Timely disbursement. Focus on small farmers.(ii) Awami Zarai Scheme (AZS)- Farm Credit:Mandatory for all new borrowers and optional for existing borrowers of crop production loan under Sada Bahar Scheme to avail revolving limit under Awami Zarai Scheme to get inputs through M/s Kissan Support Services Limited (KSSL) - a subsidiary of ZTBL under kind system(iii) Asan Qarza Scheme:In order to engage youth in national development, who form major segment of rural population in Pakistan and to raise their standard and check their migration to urban areas.(iv) Green Revolution Scheme: In order to achieve the aim of providing farm machinery and implements to encourage the mechanized farming for the enhancement of agriculture productivity as compared with traditional tillage system a Memorandum of Understanding between Zarai Taraqiati Bank Ltd. and Department of Agriculture. AJ&K has been signed under title of Green Tractor Scheme.(v) Kissan Dost Scheme:Kissan Dost Scheme (KDS) has been launched with immediate effect on concessional rate of mark-up for financing crop production loans, (seed, fertilizer, pesticides & other etc.). The financing would be for one season crops i.e. either Rabi or Kharif.(vi) Rural Development Scheme:In order to provide Credit Assistance for Dairy, Poultry,Sheep & Goat Farming in the rural areas of the State of Azad Jammu & Kashmir, a Memorandum of Understanding between Zarai Taraqiati Bank Limited and Azad Kashmir Small Industries Corporation has been signed.

Agri. Machinerya) Irrigation Machinery: High Speed Diesel Engines Sprinkler Irrigation Systems Drip Irrigation Systemb) Inter Row Rotary Cultivator:This Rotary Cultivator can be used for hoeing of cotton, maize, sugarcane, groundnut, tobacco and other row crops. Weeds are controlled mechanically while aeration and infiltration of soil are also improved.c) Solar Devices: Solar Lift Irrigation System/Tube well Solar Fencing Solar Gyser Solar Loud Speaker System Solar Berg Alarm Systemd) Stubble Shaver:For vigorous deep rooted ratoon of sugarcane crop stubble shaving is essential. The process destroys unwanted cane stubble so that the ratoon growth can develop further.e) Water Reel Sprinkler:This machine is used to irrigate almost all the agricultural crops. Considerable water saving is made since there is no loss of water due to seepage. The pump is operative by tractor PTO.f) Yanmar Combine Harvester:This combine harvester is basically designed for harvesting of paddy crop but it is also capable of harvesting wheat, sunflower, maize and canola crops etc. It is fitted with screw rotor type threshing drum due to which it does not cause grain breakage. 04 Units of this combine Harvesters are available in stock for sale which will be supplied to intending buyers on "first come first served basis" against cash or credit.

LockersZarai Taraqiati Bank Ltd. apart from its core functional activity marked with country based agri-business, has started to serve its valued customers by offering lockers facility. Initially, this facility is being offered at following 11 branches:S. NoName of BranchPhone No.Address

1Islamabad Branch051-9252022Block-7/F, ZTBL Officer Colony G-7/2, Islamabad

2Main Branch Lahore042-735338047-C, Sharah-e- Quaid-e-Azam, Lahore

`Peshawar Branch091-2262279Chughalpura, GT Road Peshawar

4Gujranwala Branch055-9200206D.C Road, Gujranwala

5Faisalabad Branch041-9210008 Opposite Punjab Medical College, Faisalabad

6Multan Branch061-920050961-A Abdali Road, Multan

7Sahiwal Branch040-9200424915-D Block Farid Town Sahiwal

8Sargodha Branch048-9230491Katchery Road, Sargodha

9Khan Pur Branch068-5573079 Model Town- Near Paradise Cinema Khan Pur

10Shafi Court Branch021-9206006Shafi Court Building Mereweather Road Karachi South

11Main Branch Gulshan-e-Johar021-4613618St 4/3-A Building No.1 KDA Scheme-36 Gulistan- i -Jauhar Karachi

Following are the approved rates for rent of lockers and key deposits against which lockers will be allocated:TypeSpecificationRent Per AnnumRent after grace periodKey Deposit

Small6-1/2"x4-1/2"x23"Rs.1,200/-Rs.1,500/-Rs. 3,000/-

Medium13-1/2"x4-1/2"x23"Rs.1,800/-Rs.2,250/-Rs. 5,000/-

Large13-1/2"x8-1/2"x23"Rs.2,500/-Rs.3,125/-Rs. 7,000/-

Life Time Locker Facility On lump-sum payment of locker rent for ten years entitle the lessee to avail the locker facility for life time, without key deposit. Utility Bills PaymentZarai Taraqiati Bank Ltd. apart from its core functional activity marked with country based agri-business, has started to serve its valued customers by offering utility bills payments at all branches. Western UnionZTBL has successfully launched Western Union money transfer service (home remittance) on 31.12.2011 in two branches i.e. head office branch and Zonal head quarter branch Islamabad. In 2nd phase the following further six branches have been activated on 16.03.2012 1 Jhelum 2Chakwal 3Atock 4Gujar Khan 5Mirpur AK 6Kotli AK7 GujranwalaPEST analysis: Political:Pakistan despite all international and public perceptions, today is a functioning democracy and gradually there is a change in complexion and composition of legislatures with more educated people and women (27% of National Assembly and 17% of Senate) entering into politics. Similarly it helps in designing best strategies to implement that could support the revival of bank industry. Like in the era of nationalization bank had to suffer as other industry that's why that impact is still found in the performance of this industry. Economical:Although banking sector development is important at the early stage of economic growth, general liberalization presuming a homogeneous bank role may not necessarily promote growth. The estimated cost structure indicates that state-owned commercial banks are large enough, while development financial institutions and private banks can expect to obtain cost-saving advantages by expanding their operations. Since scope economies are significant, portfolio diversification generally increases bank profits. In addition, privatized banks are the most efficient, followed by foreign and private banks. Public banks are the least efficient. Social:Banks always helped people in improvement of living condition of poor people in various forms like giving loans to poor for starting business or directly providing them the instruments that could enhance their living conditions. Similarly ZTBL always tried to provide the needy people loans on soft terms and also helped to eradicate unemployment by providing job opportunities.Recent high growth trends coupled with enhanced spending on social and 2007/2008 has together begun to pay some dividends.

Technology:The Banking sector in Pakistan has experienced a rapid transformation. Just about a decade back this sector was limited to the Sarkari (read nationalized) and co-operative banks. Then came the multi-national banks, but these were confined to serving an elite few. One could regard the past as the 'medieval ages' in the banking industry, wherein every branch of the same bank acted as an independent information silo and multi-channel banking (ATMs, Net banking, Tele-banking, etc) was almost non-existent. Today banks have to look much beyond just providing a multi-channel service platform for its customers. There are other pressing issues that banks need to address in order to chalk-out a roadmap for the future. Here are the top three concerns in the mind of every bank's CEO. The customer is interested in how he/she can benefit from the bank and its products. That's why it becomes necessary for a bank to differentiate its products from the others. Some of the ways in which differentiation can be introduced are through specialization, new products, and increasing the value. There is Inadequate Communication infrastructure. Smaller and lowest computer facilities. Inadequate IT training. There must be an efficient IT department.

Contribution of organization toward economic development:Economy of Pakistan mostly depends on agriculture. Zarai Taraqiati Bank Ltd. Play very vital role in the economic development almost 67% population of Pakistan belongs from agriculture occupation so ZTBL working for the development of the agriculture sector and issue loans for the development of the agriculture sector. ZTBL also help for the decreasing unemployment. At the present time 5789 employees worked in this organization. ZTBL also contribute in the national revenue and also help in the energy sector and give loans for the solar panels.

Organization structureOrganizational Hierarchy chart and setup:Hierarchy chart of ZTBL:

CHAIRMAN

Board of Directors

Executive Committee

President

Regional Headquarter

Regional Manager

Regions

Banking Deptt. OfficerBranch Managers

Cash Deptt.Admin Deptt. Finance Deptt.

Organizational Setup:

Board of Directors

Audit committee

President

Chief internal Auditor

Internal audit ZonesFieldHead Office

Divisions (10)

Zonal Offices (36)

Department (31)Branches (370)

Staff office (1)MCO's (1243)

Grades in ZTBL:These are the grades of Zarai Traqiati Bank Ltd.SEVP

EVP

SVP

VP

AVP

Grade 1

Grade 2

Grade 3

Assistants

Non Clerical staff Clerical staffNumber of employees:The basic function of H R department is not only recruitment of employees in which also include training and development, protection of employees job and motivate employees. So employees are most important for any organization because employees plays key role in the success of any organization and when any organization achieve any goal in which include hard work of any employee. ZTBL has nationwide presence with vast network of 370 branches (Dec, 11: 359) as of July, 2013. The bank has a total strength of 5,789 employees (Dec, 11: 5,724) as on December 31, 2012. 22 employees working in ZTBL GUJRAT branch with different job titles and descriptions.In ZTBL also have Promotion program for the employee motivation. For this purpose ZTBL promote their employees after 5 year later on the basis of employee's performance and this is also the function of H R department. ZTBL also have the incentive and motivation polices for their employees for this purpose Regional headquarter give incentives to employees at the end of each year on the basis of their performance.Main offices: Head Office:Head office of Zarai Taraqiati Bank limited is situated in PAKISTANs Capital ISLAMABAD:Address1 Faisal Avenue, P.O. Box. NO 1400, Islamabad Pakistan

Phone#+92-51-9252805

Information & Complaint s 042-111-11-ZTBL (9825)

E mailcontactus@ztbl.com.pk

List of Zonal Offices S. NoPlaceNameDesig.CodePhone#& Fax#Address

1KarachiSayed Mashood Abbad Rizvi- Acting ZCVP0213410808 34612801St.2/3,B-1,Sch-36,Gulistan-e-Jouar, Karachi

2HyderabadIqbal Ahmed AbbasSVP0229260065 92603936-A,Unit-7,Latifabad, Hyderabad

3Mirpur KhasSyed Muhammad Mujtaba Rizvi Acting ZCVP02339290191 9290190Satellite Town ,Mirpurkhas

4SukkurPir Bux Phulpota Acting ZCVP0719310302 9310299Shalimar Manara Road Sukkur

5LarkanaNazir Ahmed TabassumSVP0749410821 9410835VIP Road , Larkana

6Shaheed B. NazirabadBehram Ali NindwaniSVP02449370113 93701141-A/2, Govt.Employees Housing .Soc.Shaheed B.Nazirabad

7MultanGhulam Farid Malik Acting ZCVP0619200505 920050661-A, Abdali Road , Multan

8D.G.KhanBashir Ahmed Malik Acting (ZC)VP0649260415 9260416Multan Rd ,Opp.Khayaban-e-Sarwar DG Khan

9SahiwalZulfiqar Ali KhanActing (ZC)VP0409200422 9200423915-D, Block Farid Town ,Sahiwal

10LahoreSalman ArshadSVP0427322085 722208146-C,Shahra-e-Quaide Azam, Lahore

11GujranwalaMuhammad Nawaz Lookafter (ZC)VP0559200218 9200219DC Road ,Gujranwala

12BahawalpurQasim Mahmood ChishtiSVP0629255303 925530481/B-X,Plot No.5, Opp.Dubai Palace ,Bahawalpur

13FaisalabadMuhammad TufaiSVP0419210005 9210006Opp.Punjab Medical College , Faisalabad

14SargodhaMuhammad Saleem Akhtar Khan Acting (ZC)VP0489230492 9230493Kachery Road , Sargodha

15IslamabadMuhammad Saleem Safdar Acting (ZC)VP0512890135 2890127ZTBL,Officers Colony B-7/F G-7/2, Islamabad

16VehariSarfraz AzamSVP0673362720 3361940159-A G-Block,Vehari

17MuzafargarhCh.Bashir Ahmed Acting (ZC)VP0669200201 9200202Jail Road, Muzaffargarh

18R.Y. KhanRashid Ahmed MalikSVP0689230048 9230051Church Road, Near Kanara RahimYar Khan

19PeshawarSher Aman KhanSVP0912263847 2263062Chughalpura GT Road , Peshawar

20D.I. KhanCh. Muhammad Shraif Acting (ZC)VP0966718246 713296Prona Adda, DI Khan

21AbbottabadMuhammad Ghani Shah Lookafter(ZC)SVP09929310153 9310155Supply Bazar, Kakul Road , Abbottabad

22MingoraM.Quresh KhanSVP09469246180 9240181Near Govt.Girls Collage Saidu Sharif Swat

23TurbatAbdul HassanActing (ZC)VP0852412890 412002Near B & R Colony Turbat

24QuettaM.Ayub Jogazai Acting (ZC)VP0819202937 9202935446-C Staff College Road, Quetta Cantt

25D.M. JamaliQaisar Khan Panezai Acting (ZC)VP0838710554 711329DC Road, D.M. Jamali, Distt. Nasirabad.

26M.AbadM. Afsar KhanSVP05822921953 924143 Bank Squire Lower Chatter Muzaffarabad

27Gilgit-BaltistanLatif JanVP05811920786 920993Sadar Bazar, Gilgit

28BahawalnagarSher Muhammad Nadeem-Acting (ZC)VP0632274443 2274456College Road, Bahawalnagar

29JhangAmjad HussainSVP0479200470 7651852Musa Chowk near Chowk Balochan, Sattelite Town, Jhang

30OkaraZulfiqar Ahmed MajhianaActing (ZC)VP0442522790 920012527-C Lalazar Colony

31SialkotAmir Abdullah Khan NiaziSVP0524292542 4262846Javed Mehdi Road,District Courts, Near Taj International Hotel

Number of branches:Sr.NoProvincesNo of ZonesNo of Branches

1Punjab16180

2Sindh689

3Khyber Pakhtonkha461

4Baluchistan331

5Azad Kashmir17

6Gilgit Baltistan11

Total31370

Introduction of all departments:Zarai Taraqiati Bank Ltd. has 36 departments and in which some important department are followings:1) Budget and Fund Management Department:As part of the Office of the ZTBL Budget and fund Management department is responsible for preparing the ZTBL's Preliminary and Executive Budgets and for advising the ZTBL on issues affecting the Country's fiscal health and the efficiency of Agriculture services and programs. This includes tracking all revenues and expenditures, developing interest rate policies and assessing Agriculture programs. 2) Central Accounts Department:Accounting departments are expected to perform, not only to relay all the needed financial reports and book entering, but to also participate in making a sound decision. The shares of economics, logic, and mathematics in the accounting make the profession effective in the face of the world. Only if all the principles are equally utilized, then accounting can successfully integrates with the organization. Prepare General ledger. Fill debit cash vouchers. Fill credit cash vouchers. Fill transfer vouchers.

3) H R Department: Human Resource Department have many functions: Hiring Promotions Reassignments Position classification and grading Salary determination Performance appraisal review and processing Awards review and processing Personnel data entry and records maintenance Consultation and advisory services to management and employees Conduct problems Performance problems Policy development Technical policy interpretation Work Permitting Immigration Visa Program Benefits Health care insurance Life insurance Disability insurance Retirement Voluntary accidental death and dismemberment insurance Leave Transfer Program Tuition Assistance Plan Training opportunities Combined Federal Campaign Employee assistance referral Workers' compensation4) Training and Development Department:A training and development department handles the learning and professional development of an organisation's workforce.Trainers equip staff with the knowledge, practical skills and motivation to carry out work related tasks. Training department either deliver the training themselves or arrange for a third party trainer to do so.Training and development officer help with the ongoing, long-term improvement of employees skills enabling them to fulfil their potential within their organisation. Increasingly, training and development officers are required to be strategic rather than reactive, assessing the skills and knowledge within an organisation and determining what training is needed to grow and retain these skills.5) IT Department:There are many function of IT department: Set frameworks and standards for the development of software applications for ZTBL. Enforce standards and procedures pertaining to the administration and management of software systems throughout the department. Undertake forward planning and feasibility studies pertaining to the development and implementation of software solutions. Focus on the development, implement and maintain software applications that respond to common needs of the different ZTBL departments and branches. Provide end user training and support of implemented solutions. Provide support in the development and maintenance of software solutions to other divisions of the department. Provide consultancy services pertaining to the provision of software solutions. Set direction and plans for the ICT infrastructure of ZTBL. Establish and enforce standards and procedures pertaining to ICT infrastructure within the department. Ensure electronic security of sensitive and critical ZTBL systems. Provide infrastructure related support to other divisions of the department. Participate in the training of staff in the use of infrastructure systems and the upgrading of technicians at all levels.6) Agricultural Technology Department:The main functions of agriculture technology department are: To look after the overall development of Agriculture Sector, including Livestock as a sub-sector for increasing productivity thereof. To formulate polices/programs in connection with aforesaid objectives and to ensure their implementation through the attached departments. To exercise administrative and financial control over the affairs of the attached departments.7) Credit Operation Department:Credit department is a main department of zarai taraqiati bank. In this department MCO's made calls to customers for their loans repayment or if they want to renew their loan.

8) Credit Administration Department:This department play very important role in Zarai taraqiati bank. CAD officer run this department. The main job description of the Cad officer is to check the loan cases and send loan cases to Branch manager if loan cases are according to the criteria of loan ascension procedure. Another important work of Credit administration officer is to maintain the record of all loan cases.9) Risk Management Department:Risk management is very important for every organization. So the function of risk management department is eliminate the risks and make a plan for reduce the risk and for this purpose ZTBL make sure NADRA verification of loan applicant and also zari pass book and also check the credibility of loan applicant through special software named Internal Credit Risk Management System (ICRMS).

Comments on the organizational structure:ZTBL have very strong organizational setup and structure, because ZTBL is a public limited organization and all decisions are made by board of directors. And unity of command is very simple and easily definable.ZTBL have one central office in Islamabad and one Headquarter in each Provincial capital city and also have 31 zonal offices and 370 branches all over the Pakistan. So the Head office give the order to the headquarters and headquarters give the order to the zonal offices and zonal offices give the order to the branches so this is very clear unity of command. Disadvantage of this structure is the over supervision.

Part # 2Internee work

Internee WorkMy work during Internship:Truthfully speaking everything was new for me in Zarai Taraqiati Bank Ltd. Through I have a good bookish knowledge but truthfully speaking it was totally different from the practical knowledge of the banking. But with the grace of almighty ALLAH I did a lot of hard work and that make me able to learn every section of bank. I utilize all my bookish knowledge to get this practical knowledge.I did my internship in ZTBL Gujrat branch.Branch Introduction:AddressALI PUR ROAD, NEAR USMAN PLAZA GUJRAT.

Branch Code24405

Phone#+92-53-9260417

Fax#+92-53-9260417

ManagerMr. Shahid Mehmood

Operational ManagerMr. Mohammad Jamil

Starting and ending dates of My internship:I started internship in Zarai Taraqiati Bank limited of Pakistan on 15th July 2013. My internship ended on 25th august 2013. Duration of my internship is 6 week. Brief history of the ZTBL GUJRAT branch:In Gujrat, ZTBL Branch was opened on 22 December, 1972. And the first manger was MR.MIR SHOUKAT IQBAL. Services provided by ZTBL:Services are very important for any organization. Services are Intangible products such as accounting, banking, cleaning, consultancy, education, insurance, expertise, medical treatment, or transportation.Sometimes services are difficult to identify because they are closely associated with a good; such as the combination of a diagnosis with the administration of a medicine. No transfer of possession or ownership takes place when services are sold and they (1) cannot be stored or transported, (2) are instantly perishable and (3) come into existence at the time they are bought and consumed. ZTBL offers the following services to the people: Agriculture Loans:ZTBL GUJRAT branch offered two types of loans: Production loans:In production loans ZTBL provide inputs (fertilisers & seeds etc.) to their customers and ZTBL fixe the instalment due date is (7-7-20AA and 7-1-20BB). In production loans ZTBL GUJRAT branch offer three types of loan schemes: Awami Zarai Scheme:This scheme is two seasons scheme in which provide loan one by one and its interest rate is 13.50% and its G.L Head is (9020) and pay back in one instalment. Kissan dost Scheme:This scheme is one season scheme and its interest rate is 12% and its G.L Head is (9023) and pay back in one instalment. Sada Bahar Scheme:This scheme is also two season scheme but in which provide total loan at one time and its interest rate is also 13.50% and its G.L Head is (9018) and pay back in one instalment. Development loans:In development loans ZTBL provide loans for agriculture machinery and its interest rate (14.30%) is same for all development loan schemes. ZTBL GUJRAT branch offered four types of loan schemes:

Dairy:In dairy loan scheme ZTBL provide maximum Rs. 1,00,000 and minimum Rs. 70,000 and its G.L Head is (9303) and pay back in 9 equal instalments. Tube well:In tube well loan scheme ZTBL provide maxim Rs. 1,00,000 and minimum Rs. 70,000 and its G.L Head is (9415) and pay back in 9 equal instalments Tractor:In tractor loan scheme ZTBL provide loan Rs. 5,00,000 to 7,50,000 and its G.L Head is (9404) and pay back in 14 equal instalments. Turbine:In this scheme ZTBL provide loan Rs. 3,50,000 and pay back in 14 equal instalments and its G.L Head is (9415). Utility Bill Collections. Receive Hajj Applications. Pay Order & Pension Payments. Success:The gujrat branch has a very shining history as it contributes a handsome amount of profit in the zone and also gujrat branch remit cash to head office and in remitting cash it is on first position from the last 4 years. Also gujrat branch have achieved highest deposits collection award in 2010 and manager was awarded R.s 50,000 cash. Timing: Working hours are from 9:00.A.M to 5:30 P.M Saturday is Half Day; bank is closed at 2:00 P.M Sunday is full off day After the June closing the bank is closed on Saturday and Sunday for four months. Ramadan Timing: Working hours from 8:00 A.M to 2:15 P.M Saturday and Sunday full time off days.Organization Structure of BranchZarai Taraqiati Bank Limited, Gujrat branch is a medium branch with twenty two staff members and they do all works very systematically.

Current staff of ZTBL Gujrat branch: Manager: Mr. Shahid Mehmood AVP Deputy Manager: Mr. Younas Baig AVP Operation manager: Mr. Muhammad Jamil warraich OG-I Additional account officer: Miss Iram shehzadi OG- III Lady computer Operator: Miss Ifat Maab Computer handler: Mr Abdullah Hassan (Assistant) CAD incharge: Mr. Imran Khan OG III Assistant to CAD: Mr. Naseem Sajid Cashier: Mr.Irshad OG-I Mco's: MR. Allah Dita OG-I MR M.Latif OG-II MR Naveed iqbal OG-II MR Mujaddad Muddassar OG-III MR Mujhid Anjum OG-III MR Kasif Naveed OG-III MR Nisar Ahmed OG-III Guards: Mr. Qamar Zaman Mr. Imran Yousaf Office boys: Arslan Khan, Mr. Imtiaz Mr. Kamran Asghar. Driver: Mr. Shakeel AhmedCurrent staff at branch according to their qualification and experience:DesignationQualificationExperience( years)

ManagerMBA27 years

Operation ManagerB.A25 years

Deputy ManagerB.A28 years

CashierF.A20 years

Additional Accounts Officer MBA4 years

LCOB.com3 years

Computer handler F.A1 year

CAD officer Assistant to CADMBAF.A2, 15, years

MCO(7)MBA, M.sc, B.A25,20,12,11,2,2,2 years

Guard(2)Matriculation10,8, years

Office boy(3), Driver Middle10,5,3,10 years

Salary structure:DesignationSalary(Rs.)

Manager76, 000

Deputy Manager75, 000

Operation Manager55, 000

Cashier35, 000

Additional Accounts Officer18, 500

LCOComputer handler 14, 50010,000

CAD officer18,500

MCOAs per their grade and experience

Office boy10, 000 each

Driver22, 000

Guards12, 000 each

Responsibilities/ Duties performed: Manager: Mr. Shahid Mehmood is responsible for the whole Branch working. Deputy Manager also assists to Mr. Jamil if necessary. Operation Manager: Mr. Jamil operates within the branch and incharge of accounts department. Mrs. Iram performs the duty as Additional Accounts Officer. Cashier manages in and outflow of cash, all the assets are kept in record. LCO Miss Iffat Maab operates the computer and maintains the data on computer on daily basis. Computer handler maximizes the efficiency of computer department and if problem occurs in computer then computer handler responsibility to solve these problems. MCO's receive the loan applications and process them and also recover loan amount. CAD officer: Mr. Imran Khan Look after the applications entertained by the Mco's and if necessary makes observations as per bank manuals and instructions. Mr. Sajid senior assistant, assist in all CAD operations. Guards: guards are kept for safety purpose.Detailed description of the departments of ZTBL GUJRAT branch where I worked during my internship:Banking procedures are divided between various departments. Different departments do their jobs in occurrence with the bank policies. In ZTBL each branch is divided into various departments depending on their size and volume of business. Head of department manages each department & officials of the branch follow procedures. The departments working within ZTBL Gujart branch are as under:

Cash department:Cash department has been designated as the central collection and control point for cash. Cash department has the responsibility to collect, control, and maintain records for all branch funds. In gujrat branch cash department has the amount of cash in hand not exceed Rs. 3, 00, 000 and if the amount is exceed than the cashier deposit cash In Muslim Commercial Bank Ltd. In the ZTBL branch account. Responsibility for handling cash is assigned to individual employees in ZTBL Gujrat branch. Cashier is absolutely responsible for that cash. But in ZTBL Gujrat branch each employee assumes the responsibility for full and true reporting of all funds received.This branch deals with the withholding of cash money or currency notes. Main function of this department is to handle the flow of cash. Currency is kept in chests inside strong rooms at branch level.Cashier of ZTBL gujrat branch fulfill some following responsibilities: Receive funds and deposit them. Supervise all cash activities so that all funds received are properly recorded and deposited in related accounts. Ensure that proper records are maintained and that entries are made promptly and properly. Ensure that all funds are adequately safeguarded. Computer department:Computer department is very important in making the banking sector because it plays a very vital role in procedures faster and helping the bank for providing better services to its customers. This department also made data entry on all transactions and other bank routine functions. In this branch computer department use some official softwares i.e. CDMS, CFOCS, DIMIS, NIVS and ICRMS which are designed according to the key functions of banks. The branch has LCO i.e. Lady Computer operator which is hired to operate and maintain the computer of our branch. And also give the required documents to the MCOs about the loan applicant i.e. NADRA verification and also check the credibility of applicant. Scanning of loan applicant file and send the head offices is also include the working of computer department and also scan the specimen signature card of the account holders. Type letters and Send through mail is also included in the working of computer department. Almost all the computer based working is included computer department.Functions of the ZTBL's official softwares: Centralized Deposit Management System(CDMS):The main function of CDMS is online deposit system. Opening of Deposit Account and doing the all type of transactions related to deposit. The procedure of CDMS is appended below: First of all enter the Customer Profile. Allotment of Account No. Attach the Scanned documents i.e. Picture, Specimen Signature Card. Attach the CNIC of customer through NIVS system. Make the all type of transaction i.e. Pay-in-slip, Cheques, transfer transaction and online transaction. CDMS generate the different reports related to Deposit Accounts. Centralized Field Computerized System (CFOCS): CFOCS is main software of ZTBL in which all the day end process is feeded. All type of bank related vouchers is feeded in this software and all type reports are generated in this software. Dynamic Integrated Management Information System (DIMIS):That software is only reports generated software related to customer Loan Accounts. This software is very useful for branch recovery because it's Generate early warning reports regarding recovery as well as recovery and disbursement of the branch. NADRA Identity Verification System (NIVS):This software is link to NADRA. Feed the customer CNIC information and get the NADRA verification report that CNIC is valid or not. Internal Credit Risk Management System (ICRMS):For the requirement of the SBP all the loan cases are entered in this system. This system is also Generate Credit Worthiness Report (CWR).

Credit department:Credit department is very important for every bank because this is the main source of earn profit. Credit department handles the credit granting, credit collection and credit limits of their applicants, that's why in this department the chances of corruption are very high because in which the cash is involved and Risk of losses is also high so for this purpose ZTBL have mobile credit officers and they doing field work. Different MCOs had different areas and conduct proper investigation about loan applicants who are related their areas. After this MCOs fill the KYC form and loan application form and collect the data about the customers through different procedures. MCOs investigate the agriculture pass book from land revenue department after investigate the agriculture pass book MCOs receive the compulsory documents that are important for loan application file i.e. two or three snatches with two copies of national identity card and after collecting all information MCOs make credit investigation report. After fulfil the loan application file, the file send to Credit administration department. MCOs also have the responsibility for making the Credit utilization report in this report MCOs conduct investigation that the loanee right use of credit. And also recover the loan amount is a responsibility of MCOs. For the purpose of reducing the corruption in the credit department in September 20, 2006 The Zarai Taraqiati Bank Limited (ZTBL) has withdrawn the loan sanctioning authority of mobile credit officers (MCOs) and redefined the responsibilities of managers and other field functionaries to improve credit delivery system and check corruption. Before this decision the existing credit delivery system solely working under the MCOs was not fit/ capable of expanding the business of the bank. Branch managers and other functionaries of the bank and have also eliminated the cash delivery outside the branches. Purpose of this decision is to facilitate farmers and to meet their credit requirements, instead of extending them loan for each seasons, every farmer had been given a three years limit.After this decision the MCOs would only have recommendation powers for sanctioning of the loans. All the sanctioning powers have been vested in branch managers and in case of large branches, deputy mangers have been authorised to sanction the loans. Accounts department:The basic functions of accounts department in ZTBL are: Accounts are maintained on the principal of double entry book keeping system Transactions are vouched Transactions are posted / entered in the relevant books i.e. Day book, general ledger and supplementary ledgers Every branch has an independent accounting system and can prepare profit and loss and balance sheet.Nature of transactions in ZTBL gujrat branch: Deposits Cash in hand and with banks Disbursements AND recoveries OF LOANS AND ADVANCES. Income and expenses. Other accounts.Types of daily transaction vouchers/advices in ZTBL: Debit Cash Vouchers (For receipt of Cash) Credit Cash Vouchers (For payment of Cash) Transfer Vouchers (When no Cash is involved) Inter-Branch Transaction Advice (Debit). For shifting of expenses /Assets Inter-Branch Transaction Advice (Credit). For remittances and transfer of income Computerization of AccountsBooks of accounts in ZTBL: Day Book General Ledger General Ledger Abstract Daily Cash and Transfer Transactions Scroll Daily Cash Transactions Register Night Safe Register Loan Ledgers Deposit Ledgers Advances to Staff Ledgers Income & Expenses Supplementary Books Sundry/Suspense Supplementary Books Dead stock Register or Fixed Assets Pay Roll/Salary RegisterAccounting procedure in ZTBL gujrat branch: All prepared vouchers are entered at Zonal Computer Centres.Day book is prepared on the basis of entered vouchers. Day Book is a summary of debit and credit of each transaction by mentioning concerned voucher number and date. On the balancing of day book the each debit and credit entry is posted in the relevant Supplementary Ledgers and General Ledger Moved Accounts. Submission of each general ledger heads is summarized and that is known as General Ledger AbstractBalancing of accounts in ZTBL: Loan Accounts Balancing Deposit Accounts Balancing Sundry & Suspense Adjustment Reconciliation of Inter-Branch Transaction Reconciliation of Bank Accounts Balancing of Cash in Hand Preparation of weekly and monthly Statements:Second major function of accounts department is the preparation of various statementsThese statements are: Weekly statements. Monthly statements. Credit Administration Department:The aim of credit Administration system is to provide administration support for pre and post loan disbursement monitoring to ensure sound landing operations at grass root level through parallel reporting line without any influence of business fermentation. An effective credit administration shall also help to evolve the early warning system to help/facilitate the line management for mitigation of the risk factors at any infancy stage. Objectives:The objectives of the credit administration department will be: To ensure provision of all prescribed and stipulated loan documents related to all transactions for the smooth functioning of the day lending activities. To verify legal enforceability through table scrutiny. To ensure safe custody of collateral/security documents to ensure its availability to authorized persons of operations with tracking and record. To review that pre & post documents have been obtained by operation enabling the operation to prepare the file/cases for disbursement of loan. To ensure that proper space for lodging of security documents is available. To ensure the documents obtained are corrected, complete, properly executed and correspond with approve loan. To ensure that each page of documents executed have been signed by the authorized signatories (Borrower/Bank official) where the documents are multi-paged. To ensure correction errors, over writings, through authentication by the authorized signatories/ executions. To ensure that all disbursements are accurately recorded in the bank's ledgers for monitoring, control and reporting purpose. To ensure that an effective follow up system for routine actions (i.e. documents, collateral, etc) is in place, and all irregularities are recorded and reported as required. To established an early warning system for timely remedial actions/measures.

Functions performs in ZTBL Credit Administration Department:CAD department shall perform following functions: To create a congenial environment for credit proposal processing with-in the policy frame work issued by the head office through its circulars/ circular letters/ memos/ manuals/ policies. To scrutinize the operations at the initial stage of approval of credit, execution of documents, disbursement of loan, its utilization and monitoring thereof. TO facilitate the field functionaries to identify actionable events with due date I.e. verification of mutation, checking of utilization and issue of notices etc. To develop and maintain check list of documents along with validity and to caution the operation before expiry of legal documents. To prepare check list of due operational jobs and to identify where due actions are not initiated. To make the loan documents/files available for audit and to ensure minimization of audit observations through proper and error free documentation.

Functions by Operations Line of ReportingFunctions under Credit Administration System Separate Reporting LineSelection of borrowers by MCOPre- appraisal & identification of adequate credit needs of the farmer by MCOVerification of collateral title by MCOEntertainment of loan application by MCO on spot through his receipt bookAppraisal of Loan Request & Finalization of Recommendations by MCOSubmission of certificate that all documents required before the sanction of loan case have been obtained. Allocation of ORR & along with all documents to the Branch Manager.Recording of sanction orders in case of his satisfaction and have power to sanction or to forward the case to sanctioning authority with his recommendations or to recode observations for doing need full by MCO with regards to documentation. Issuance of sanction letter by Manager.Acquiring of post sanction documents from the borrower by the branchReview & Verification of record that all the documents have been obtained and issuance of disbursement Authorization Certificate by officer incharge (CA)WORK FLOW CHART OF CREDIT ADMINISTRATION DEPARTMENT

Recording of payment orders by Branch Manager/ Authority & Release of loan by the Branch on counter through accountEntry of loan case files in Safe File Register after proper paging indexing and to place it in cabinet under lock key. Ensure that electronic copies have been obtained in the systemSubmission of utilization of credit & sanction of mutation report to Manager by MCO with-in given period.Identification of cases in which utilizations are yet to be checked and mutations have not been verified even after expiry of due date and its reporting & follow up to with Manager at each month end for its arranging.Action by Manager where loans have been declared as not utilized properly or mutation are yet pending for sanction.Delivery of Demand Notices to the borrowers & to pursue for RecoveryPlacement of second copy of Demand Notice in the relevant safe file on confirmation that acknowledgments have been obtained on it in the token of its receipt.Reporting & follow up of cases wherein the Demand Notices have not yet been delivered or returned back for appreciate action by Manager.Issuance of Legal Notices to the borrowers by the branch.Placement of second copy of Legal Notice in the relevant safe file on confirmation that acknowledgments have been obtained on it in the token of its receipt.Reporting & follow up of cases wherein the Legal Notices have not yet been delivered or returned back for appreciate action by ManagerReporting & follow up of cases in default wherein due actions as per recovery policy have been not yet initiated by the branch at each month end.

Deposit department:In the entire Banking system the deposit plays its vital & significant role for the sustainability of an entity. The deposits of a Bank are much greater than its own capital and these deposits are subsequently invested or lent out by the bank. The larger the difference between the rates at which these deposit are borrowed, and the rate at which these are lent out/or invested the greater will be the profit margin of the bank. Moreover, larger the deposits the larger will the funds available for employment; and larger the funds lent out/invested, the greater will be the return earned, and greater the amount of return greater will be the profitability of bank. Due to this inter related relationship of the whole operational activity of a bank; deposits are referred as life blood of a Bank.In order to ensure its sustainability & viability, the bank must have a dependable deposit base therefore while accepting / taking deposits, a Banker should be very careful and keep in mind the provisions of SBP Prudential Regulations, stipulations of Know Your Customer (KYC), Anti Money laundering (AML) and Customers Due Diligence (CDD).Similarly extra care is exercised in quality investment and profitable lending to ensure the best possible earning for its stake holders.Procedure for opening an Account in ZTBL gujrat branch: Account Opening Form: In year 2007, ZTBL has introduced new Account Opening Form (AOF) ACF195-A, wherein all the features vis--vis types of account and natures of customer have been consolidated into one AOF. After completion of the AOF & KYC (Know Your Customer) Performa, the two signatures of the each operator(s) shall be obtained against authorized signature column of Specimen Signature Card (SS card) with special instructions, if any. The AOF and SS cards will be filled in and signed by the customer in presence of a Bank official. The particulars of AOF shall be entered in the Account Opening and Closed Register in serial order and an Account No. shall be allotted. The customer shall be supplied with Paying in Slip Book and requested to deposit the money with the cashier who will put his/her signature on counterfoil of paying in slip. The slip than must be scrutinized/stamped and countersigned by an authorized official. A cheque book requisition slip shall be supplied to the customer after the deposit of money with the cashier. Before issuance of cheque book to the customer, the signature on Requisition Slip shall properly be verified by concerned official. Cheque Book will be issued after AOF has been completed in all respects/approved and initial deposit has been received.Documents required for opening of accounts: Attested photocopy of CNIC or passport of the individual. In case the CNIC does not contain a photograph, the bank should also obtain, in addition to CNIC, any other document such as drivers license etc that contains a photograph. In case of a salaried person, attested copy of his service card, or any other acceptable evidence of service, including, but not limited to a certificate from the employer In case of illiterate person, a passport size photograph of the new account holder besides taking his right and left thumb impression on the Specimen signature card.

Details of supervisors: Supervisor names position in ZTBL bank Mr. Shahid Mehmood Manager Mr. Younis baig Deputy Manager Mr. Muhammad jamil Operational Manager Mr. Imran Khan CAD Officer Mr. Irshad Cashier Mr. Mujadad Mudassir MCO Miss Iram Shehzadi Additional Account Officer Miss Iffat Maab Lady Computer operator

Weekly timetable:I did 06 weeks internship in ZTBL Gujrat branch. The period of internship was 15, July 2013 to 25, Aug 2013. First week:I spend my first week (15-07-2013 to 21-07-2013) for collecting information about the branch and introduction of all staff.DateInternship Activities

15-07-2013(Monday)First day was the orientation day I meet all staff member, learnt basic values, culture, rules and regulation of the branch.

16-07-2013(Tuesday)Second day I meet with branch manager know about ZTBL Objectives and history and then I meet with operational manager Mr. Mohammad Jamil and know about the basic functions, facilities, structure, grades and departments of ZTBL.

17-07-2013(Wednesday)This day I performed my duty on help desk. And guide the customers.

18-07-2013(Thursday)This day I performed my duty on help desk. And guide the customers.

19-07-2013(Friday)This day I performed my duty on help desk. And guide the customers.

20-07-2013(Saturday)Bank Holiday

21-07-2013(Sunday)Bank Holiday

Name of Supervisors: Mr. Mohammad Jamil

Signature of supervisor: _______________

Second Week:I spend my second week (22-07-2013 to 28-07-2013) in credit department:

DateInternship Activities

22-07-2013(Monday)I have learnt about the how many types of loans to be offered to the farmer by ZTBL.

23-07-2013(Tuesday)I came to know that what are the specifications of each type of loan and what are the basic documents needed for getting the loan.

24-07-2013(Wednesday)I have learnt about the how can fill the loan application file from MCO.

25-07-2013(Thursday)I spend my day on preparing the loan application file.

26-07-2013(Friday)At the end of this week I went a village for local inquiry with MCO and also go revenue office for investigation of loanee pass book.

27-07-2013(Saturday)Bank Holiday

28-07-2013(Sunday)Bank Holiday

Name of Supervisor: Mr. Mujahid Amjad

Signature of supervisor: __________________

Third week:I spend my third week (29-07-2013 to 04-08-2013) in Credit Administration Department:

DateInternship Activities

29-07-2013(Monday)I have learnt what the basic functions and procedure of credit administration department.

30-07-2013(Tuesday)I have learnt about the procedure of review and verification of record.

31-07-2013(Wednesday)I spend my day on allotment of the loan case (LC) number.

01-08-2013(Thursday)I did entry of loan case files in safe file register after proper paging and indexing.

02-08-2013(Friday)I learnt about utilization report and redemption procedure.

03-08-2013(Saturday)Bank Holiday

04-08-2013(Sunday)Bank Holiday

Name of Supervisor: Mr. Naseem Sajid Iqbal

Signature of Supervisor: __________________

Fourth Week:I spend my week (05-08-2013 to 11-08-2013) in Cash department:

DateInternship Activities

05-08-2013(Monday)I learnt what the basic functions of cash department.

06-08-2013(Tuesday)I learnt about the procedure of cash receipts and cash withdrawals.

07-08-2013(Wednesday)I have learnt about how did entry in the daily cash transaction register.

08-08-2013(Thursday)Eid Holiday

09-08-2013(Friday)Eid Holiday

10-08-2013(Saturday)Bank Holiday

11-08-2013(Sunday)Bank Holiday

Name of Supervisor: Mr. Irshad Ahmed

Signature of Supervisor: _________________

Week Five:I spend my fifth week (12-08-2013 to 18-08-2013) in Accounts department:

Date Internship Activities

12-08-2013(Monday)I have learnt about the basic function of accounts department.

13-08-2013(Tuesday)I have learnt about how prepare the all types of vouchers, General Loan Ledger and Intra branch transaction advices.

14-08-2013(Wednesday)Independence day

15-08-2013(Thursday)I did prepare the DC, CC and TV vouchers and also did the entry in the general loan ledger.

16-08-2013(Friday)I did prepare the daily cash transfer transaction scroll.

17-08-2013(Saturday)Bank Holiday

18-08-2013(Sunday)Bank Holiday

Name of Supervisor: Mr. Mohammad Jamil

Signature of supervisor: __________________

Sixth Week:I spend my week (19-08-2013 to 25-08-2013) in Deposit and Computer Department:

DateInternship Activities

19-08-2013(Monday)I have learnt about what types of accounts offered by the ZTBL gujrat branch and its basic terms and conditions.

20-08-2013(Tuesday)I have learnt how to fill account opening form. And also did it as practical.

21-08-2013(Wednesday)I have learnt about the banks official software i.e. CDMS, DIMIS, CFOCS, ICRMS and NIVS.

22-08-2013(Thursday)I did entries on CDMS.

23-08-2013(Friday)I did entries on ICRMS.

24-08-2013(Saturday)Bank Holiday

25-08-2013(Sunday)Bank Holiday

Name of Supervisor: Mrs. Iram Shahzadi

Signature of Supervisor: ________________

Detailed description of the department's Operation/activities of the department which I worked during my internship:Credit department:I perform some activities in the credit department. I spend my second week in the credit department and I did some following activities: I have learnt about the how many types of loans to be offered to the farmer by ZTBL. ZTBL offered many types of loans I have discuss in detail about ZTBL services. I also learnt about the basic documents needed for getting loan. I.e. application for loan, agriculture pass book, snatches of applicant, copies of national identity card of applicant, good credibility and loan application file. I learnt and practically fill the loan application files. I go to a village for local inquiry for the recovery of amount and also go revenue office and see how MCOs investigate the loanee agriculture pass book.Credit Administration department:I spend my third week in credit administration department and I perform some following activities in this department: I have learnt the basic function and procedure of this department and have detailed described about the basic functions and procedure of the credit administration department. I also learnt about the procedure review and verification of record. I spend some time on the allotment of the loan case number to the loan application file. I did entry of loan case files in safe file register after proper paging and indexing. Actually when the loan is issued to the loanee after this loan file saves in the safe and enter in the safe file register. I learnt about utilization report in this report MCOs investigate that the loan utilization on the right way or not?

Cash department:I spend my fourth week in cash department, actually in this week two holidays of EID so thats why I perform some following activities in the cash department: I have learnt about the basic functions of cash department and procedure of cash receipts and cash withdrawals. I have also learnt about how did entry in daily cash transaction register.Accounts department:I spend my fifth week in Accounts department and perform some following activities in the Accounts department: I have learnt about the basic function of accounts department. I have also learnt about how prepare the all types of vouchers and also prepare the debit cash, credit cash and transfer voucher. Also learnt about the general loan ledger and intra transaction advices. Also did prepare the daily cash transfer transaction scroll and did the entry in the general loan ledger.Deposit department:I spend last week in deposit department and I perform some following activities in the deposit department: I have learnt what types of accounts offered by the ZTBL gujrat branch and its basic term and conditions. I have learnt how to fill account opening form. I also fill the account opening form as practical.Computer department:I spend my last week in computer department and perform some following activities in this department: I have learnt about the bank official softwares i.e. CDMS, DIMIS, COFCS, ICRMs and NIVS. And also learnt about the functions of these softwares. I did entries on CDMS and also did entries on ICRMSDetailed description of Tasks assigned:I did internship in ZTBL GUJRAT branch and I worked under the different supervisors and I spend one week in each department and in this period supervisors assigned some task and I performed some task.Credit department:Supervisor told me about the procedure and functions of credit department and assigned me some following tasks: Go to the village and call for the repayment of loan. Fill the loan case files Check the loan case file and make sure that all the required documents are complete and available. Credit Administration department:First of all Supervisor told me about the procedure and functions of this department and assigned me some following tasks: Discover the loan case file with the help of loan case register. Supervisor assigned me a task to find out the objection in which the rejected loan case file.Cash department:Supervisor assigned me a following task: Check the validity of some cheques Collected utility bills and posted themAccounts departments:I spend my fifth week in accounts department and supervisor told me about the procedure and functions of accounts departments and assigned me some following tasks: Fill debit cash vouchers Fill credit cash vouchers Fill transfer vouchers Prepare daily cash transaction scrollDeposit department:Supervisor told me about the account opening procedure and assigned me some following tasks: Fill know your customer (KYC) form. Fill Account opening formsComputer department: Supervisor assigned me some following tasks: Data entering in CDMS Data entering in ICRMSSummary:In this chapter I discussed in detail about the ZTBL GUJRAT branch where I did my internship. First of all I informed about all the staff of the branch and salaries and their job designations. Detail of supervisors and a weekly timetable where I write about my daily activities which I perform during my internship. And also detail description of all departments where I worked during my internship and detailed descriptions of all assigned tasks and also described about the activities of the departments I worked during my internship. This whole chapter provided all information about my internship activities and ZTBL's branch where I did my internship.

Summary of learning:The skills and qualification I think I have gained from the internship:It was a really nice opportunity for enhancing the skills and qualifications, every student in any field of study should do internship in his or her relevant field in order to get the practical experience. I think I have gained following skills from internship: Enhance communication skills How deal with customers Practical knowledge Know about the behaviour of other people Organizational culture and organizations ethics values Professional skills Time management Dealing with obstacles How to satisfy your customer Got knowledge about the banks official softwares How manage the risk Got experience about banking sector How banking business is different from other businesses How work as a team member What are the motivation factors How make the Decisions Enhance my interpersonal skills by interacting with customers How make the different policies How manage the conditions when you working under the directionsThe responsibilities I have undertaken during my internship period:During my internship in ZTBL GUJRAT branch I have been given many types of responsibilities which I have done very carefully. Many tasks were given me alone to do. I worked hard to do them. Through my internship I came to know about the true meanings of responsibility. From the responsibilities given to me I learned how to work under the supervision of any person. Following are some responsibilities which were given to me during internship: Go to village and call for the repayment of loan. Fill the loan case files Check the loan case file and make sure that all the required documents are complete and available. Discover the loan case file with the help of loan case register. Supervisor assigned me a task to find out the objection in which the rejected loan case file. Check the validity of some cheques Collected utility bills and posted them Fill different vouchers Prepare daily cash transaction scroll Fill account opening forms Data entering in CDMS and ICRMSHow internship will influence on my future career plans:Working for six weeks in ZTBL GUJRAT branch as an internee was very revealing experience for me. During this time I learnt many new things which are surely going to help me in my future professional career. It was a good experience for me to observe and to be the part of practical working of a highly regarded organization like ZTBL. During the internship I got a chance to understand general customer's behaviour and his needs and wants related to banking services and products. It will help me in future for getting a job as an experience. Through internship I came to know that bookish knowledge is not enough for a bright future we should get experience or learn the application of our classroom knowledge.It will help me as customer of bank. Through my internship I got habit of working for long hours which will definitely help me in future. Working as an internee I improved my communication skills which will help me in society. I got a habit of casual dressing from internship. I learnt how to behave as an employee in any organization which will help me in that organization in which I will work in future. I got a lot of knowledge from internship which will definitely help me in future. I got knowledge about the working in any bank so it will help me choosing the job in bank is better or not. I learnt the ethics from internship which will help me in future life.How do you think the internship activities that you carried out are correlated with your class room knowledge?By working in any organization I came to know that the practical somehow different from the classroom knowledge. In classroom we have been taught only the previous searches and knowledge but in practically field, there is lot of competition. You would have to run fast to achieve your goal. There was application of accounting rules of Dr and Cr which was same like book, but other things I started to learn from zero. The benefit of classroom study is that after getting training in any organization in any field you will be able to apply the bookish knowledge. From the start we can't do everything efficiently and effectively. From internship I came to know that only bookish knowledge or classroom study is not enough for any job experience is most necessary thing which can be getting only by practical. So there should be the practical of classroom study in the institution. Classroom study is a base for a person to making the decision because it has been merged in mind and become a part of our mind. It helps us in any phenomena in which we are working.

Conclusions of the report:A summary of key conclusions derived from the internship experience:During my internship here in ZTBL, I found that ZTBL has high level of professionalism and challenging environment and its culture is friendly. ZTBL seems Top Agriculture Financing in the future as indicated by the financial indicators. It keeps energy and potential to serve the deserving clients in all over the world. The bank has set itself a vision to be a world-class bank. This can only be achieved with dedication and a passion to excel in every activity. I really admire ZTBLs policy makers for designing investor friendly and customer oriented products.The bank is really working well and contributing a valuable part in the economy of Pakistan through tax, giving loan to government, giving loans to the businesses for their survival and expansion, generating a well skilled human resource and employment etc. During this internship, I really learned Professionalism, leadership skills, communication skills, problem solving skills, situation analysis skills and how to become a good mentor etc.ZTBL is a specialized institute which provides financing facilities to the people of rural areas and in this way it is contributing its part for the development of the country. Due to a government owned organization the politicians and other higher authorities sometime use it to give benefits to their families and friends and this also effects the growth of the bank. However the bank has improved itself a lot, the profit of the year of 2008-12 and decline in Non Performing Loans are clear signs of improvements. The few things on which the bank has to focus is implementation of information technology with faster pace, improving branch infrastructure and working of its human capital to make them motivated.General observations:I observe about ZTBL as an internee: ZTBL directly finance to the agriculture sector this is good for the economy of Pakistan ZTBL need to advancement in new technology and need to upgrade branches High political interference Mostly seasonal work in the ZTBL need to convert into the daily bases work Favouritism and nepotism and also corrupt system Now ZTBL maintain computerised record of their customers Marketing is very necessary for the ZTBL because ZTBL start collection of utility bills and also western union facilities ZTBL have branches all over the country need to open more branches ZTBL staff very cooperative with their customers Mostly customers are satisfy with the polices and rulesSWOT analysis of ZTBL:In SWOT analysis identify the organization internal strength and weakness and also identify the organization external opportunities and threats. All organization always uses their strengths and avail opportunities avoid threats and reduce the weakness. So for this purpose ZTBL have research and development department. When you know about your strengths, weakness, opportunities and threats you easily make plan about the future. The unique strengths are internal abilities of an organization that can be used to have a competitive advantage for the organization. Weaknesses inherent in organization are those that need improvement for better functioning of an organization. Opportunities are those which are available to organization currently as well as in the foreseeable future. Threats are those that organization faces from its competitors, regulatory bodies, and technological change or customer preferences. The identification and analysis of strengths, Weaknesses, opportunities and threats is focal to any strategic process. Strengths: Enrich Agri-relationship of 50 years Extensive countrywide network of 370 branches Grass root level contact with the farmers through functionaries Predominant position in agriculture finance market Support of Government, State Bank of Pakistan and International Development Institution in respect of restructuring Supervised and diversified credit system Marketing is done with customer friendly cues and language Employees having first hand experience with farmers hired from remote areas Availability of Staff training facilities A Govt. Organization Give Agriculture based many types of loans Secure employee job Play vital role in economic stability Weaknesses: No marketing Lack of IT experts Lack of technology poor perceived image Improper planning Less fixed assets Lack of motivation of employees Improper distribution of work political interference in operational and administrative matters of bank centralized administrative and financial authority Skill miss-match of staff Aged work force Over supervised management structure Lack of commercial mindset Weak and cumbersome systems and procedures Strongly entrenched resist to change Around 600 pending disciplinary cases Opportunities: Online banking system Advancement of technology Large number of unemployed educated people Hire professionals Investment in industrial sector Huge untapped ruler market potential of about Rs. 300 billion Huge untapped micro finance market segments Potential for bringing huge uncultivated areas under production Potential for expansion through mobilization of rural and urban savings Potential for marketing new product lines on commercial basis Post restructuring potential for obtaining financial credit lines Threats: Competitive commercial banks Bad debts Underdeveloped banking system Advancement of other banking sector External pressure to implement non-commercial directives Various unrecovered loans taken by big guns Agricultural losses Energy crisis Khata system Political and economic instability and law and order situation Water disputes within country Public sector organization

Recommendations:I have realized that ZTBL bank is performing very well since its inception. But as we know that nothing is perfect, there is always a scope for improvement, so I will recommend following suggestions for ZTBL: ZTBL need to advancement in new technology and need to upgrade branches In ZTBL High political interference so ZTBL need to remove this interference Mostly seasonal work in ZTBL need to convert into daily bases work Need to control Favouritism, nepotism and corruption Need to advertise their products and services through proper channels ZTBL need to recruit highly educated and skilled work force and need to recruit the professionals and experts (IT, Finance, HR and Marketing etc.) work force and need to trained the old staff ZTBL need to support the industries that are support the agriculture sector of Pakistan. ZTBL need to change their old policies and make new policies that are customer friendly.

References:From Web Pages:1. Website name: www.ztbl.com.pk, Retrieved date: 22, July, 2013. From URL: http://www.ztbl.com.pk/index.htm.

2. Website name: www.ztbl.com.pk, Retrieved date: 22, July, 2013. From URL: http://www.ztbl.com.pk/ZTBLSchemes.htm

3. Website name: www.ztbl.com.pk, Retrieved date: 23, July, 2013. From URL: http://www.ztbl.com.pk/rba.htm

4. Website name: www.ztbl.com.pk, Retrieved date: 23, July, 2013. From URL: http://www.ztbl.com.pk/agritech.htm

5. Website name: www.ztbl.com.pk, Retrieved date: 23, July, 2013. From URL: http://www.ztbl.com.pk/locker_Facility.htm

6. Website name: www.ztbl.com.pk, Retrieved date: 23, July, 2013. From URL: http://www.ztbl.com.pk/westernUnion.htm

7. Website name: www.ztbl.com.pk, Retrieved date: 17, August, 2013. From URL:http://www.ztbl.com.pk/Documents/CREDIT/ZTBLCreditRatingOnMay2013.pdf

8. Website name: www.ztbl.com.pk, Retrieved date: 17, August, 2013. From URL: http://www.ztbl.com.pk/board_of_directors.htm

9. Website name: www.ztbl.com.pk, Retrieved date: 18, August, 2013. From URL: http://www.ztbl.com.pk/importantDownloads.aspx

Appendix and supplementary material:

BUSINESS ADMINISTRATION1 (MBA)

2ALI RAZA ARSHAAD (11014220-079) BUSINESS ADMINISTRATION (MBA)