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Internship ReportSubmitted to:

Mr.Nazik Hussain

Submitted by:

Jamshaid Sarwar

MBA (G-2) 4th (Evening)

Roll No 205

Session 2010 – 2014

Department of management science

Internship Report Jamshaid Sarwar MBA G-2 Session 2010-2014

The pre-requisite of internship program is

to make the student of M.B.A, aware of practical experience and to acquaint them

with the real management process.

With an intention of grooming the best executives of the future, The Islamia

University of Bahawalpur has organized comprehensive internship- training

program. All of us were placed in leading organizations of business are not to gain

firsthand knowledge and insight into their management and working. So, when I

was given the chance of selecting an organization, I opted for Zarai Taraqiati

Bank Limited.

After the completion of internship program, internship report has been prepared

just in accordance with the practical exposure. In preparing this report, I have put

all of my knowledge, despite all of my coherent efforts; I do believe that there will

always be a room for improvement in the efforts of learner like me.

Jamshaid Sarwar

Roll No 205

M.B.A G-2 (evening)


Session 2010-14

Acknowledgement

In the name of Allah, the most gracious and most merciful, first and Foremost

we are very thankful to our God, who made us capable to Achieve this task

defiantly, and made it easy for us.

I thank my all respected teachers for providing me comprehensive knowledge

about business administration. And also for providing me the opportunity to

complete my internship program in Zarai Tarqiati Bank Limited, to enhance

my practical knowledge about banking sector of Pakistan. I am also indebted to

the followings because without their help, I would not be able to achieve this

practical knowledge:

Yazman Branch distt: Bahawalpur

Mr. Abdul Ghaffar Branch Manager

Mr.Anees-UR-Rehman Deputy branch Manager

Mr.Zafar Iqbal Assistant manager operation

Mr.Ijaz Ahmed Soomoro Officer Inscharge CAd

Mr. Mobile Credit Officer

Mr.………….. Cashier

Jamshaid Sarwar

MBA G-2 Evening

Session 2010-14


Dedications:

This dissertation is dedicated to my loving parents

and teachers whose incessant love and

encouragement enabled us to make perpetual efforts for

our dream accomplishment.


S NO Topic Page

No.

1. Executive Summary 08

2. Banking History in Pakistan 09

3. Zarai Tarqiati Bank Limited History 10

4. Head office 11

5. Mission & vision 12

6. Corporate information 13

7. Corporate Objectives 14

8. Nature of Business 15

9. Management hierarchy 16

10. ZTBL current logo’s 18

11.President Message

19

12. Number of employee and board director 22

13. Objective of ZTBL organization 25

14. Years wise disbursement 27

15. achievement 28Internship Report Jamshaid Sarwar MBA G-2 Session 2010-2014

16. Product and services 31

17. Other product and scheme 35

18. Types of loans 36

19. Lending Criteria and security 37

20. Major lending scheme 38

21. Agriculture Machinery 40

22. ZTBL locker facility 52

23. Rozana Bachat Account and Utility Bill 54

24. Share Holding of ZTBL 55

25. Financial Analysis 56

26. Income Statement (rupees in millions) 57

27. Ratios 58

28. Swot Analysis 63

29. conclusion 66

30. Suggestion 73

31. Recommendation 74

32. References 75

33. Appendix 76

34. Annexure 77


Executive SummaryBanking is one of the most sensitive businesses all over the world. Banks play very

important role in the economy of every country all over the world and Pakistan is

no exemption. This report is about one of the leading Agriculture Bank of the

Pakistan known as Zarai Taraqiati Bank Limited. ZTBL is playing its one of the

most important role in the development of the Agriculture Sector of the Pakistan.

On 14th December 2002, under the ordinance of the Agricultural Development of

the Pakistan 1961, ZTBL was incorporated as Public Limited Company. This Bank

severs its venerated customers in the form of different customized products. It is

providing both type of severs financial and non-financials mostly to its clients

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 349 branches and is

severing round about half of the million clients annually and over accumulated

account holder’s with the average loan size of around

Rs.89000 serving 65%, 31% & 4% of subsistence, economic and large growers

respectively.


Banking History in Pakistan

Pakistan came into being in 1947. Pakistan was an aggregating country at that

time. Pakistan was only producing the agricultural raw materials and food grains.

There was not sufficient industry to quench the need of society. So raw materials,

which were produced in Pakistan, used to be exported from here. However,

commercial banking facilities were provided in these areas. There were 487 offices

of scheduled banks in the territories presently constituting Pakistan. Soon after

independence, it was very difficult to Pakistan to run its own banking system

immediately without sufficient resources. Because of the conspiracy, the banks

having the registered offices in Pakistan were transferred to India.

Zarai Tarqiati Bank Limited

Zarai Tarqiati Bank Limited. Most of the Population of the Pakistan is poor

particularly peoples link with the sector of Agriculture in Pakistan. Punjab is the

main head of Agriculture activities depending on the consumption of the crops.

Zarai Tarqiati Bank Limited is the most active entity which is always readies for

the help of Poor Farmers both financially and in sense of advice them for

consuming more and multiple crops. Here we give you the overview of Zarai

Tarqiati Bank Limited, Jobs In Zarai Tarqiati Bank and finally the services

provided by Zarai Tarqiati Bank in Pakistan.


Zarai Tarqiati Bank Limited History

After the Independence of Pakistan, it was considered that the existing institutional

sources of credit such as Taccavi and Cooperatives, were insufficiently meeting the

credit needs of farmers. Consequently, Agricultural Development Finance

Corporation was created in 1952 under a Central Act for the purpose of expanding

financial facilities and promoting the development and modernization of

agriculture in Pakistan. In 1957, the Agricultural Bank of Pakistan was established

and advanced both short and long term loans. Both these institutions were merged

as Agricultural Development Bank of Pakistan in February 1961. On December 14,

2002, the Federal Government has converted the Agricultural Development Bank

of Pakistan (ADBP) into Zarai Tarqiati Bank Ltd (ZTBL) and the new venture has

started its operation with immediate effect. The new corporate structure redefines

the banks statue as a public limited company with an independent Board of

Directors promulgated under the presidential ordinance, which aims at ensuring

good governance, autonomy, delivering high quality, viable and timely financial

services to a greater number of clientele in the agricultural and rural segment of the

country with adequate returns to the stakeholder.

Zarai Tarqiati Bank (ZTBL) has been registered under the Companies Ordinance

1984 and by virtue of Finance Order, all assets, liabilities proceedings undertaking

of ADBP stands transferred to and vested in Zari Tarqiati Bank with effect from

December 14, 2002. Mr. Istqbal Mehdi was the 1st President and CEO of ZTBL

after conversion into ADBP.


Head Office: 1 Faisal Avenue

P.O. Box No. 1400.

Islamabad, Pakistan

Phone No. +92-51-9252805,

Information & Complaints. 042-111-11-ZTBL (9825)

Email Address: [email protected]

Website: zbtl.com.pk


Dedicated to serve the needs of the farming community, by delivering financial

product and technical serving on a competitive and sustainable basis, in a

convenient, efficient and professional manner, leading to success of the bank and

the farmers.


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.

Corporate 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.

Open up its venues of operation to Domestic & International Banking Industry

to avail comparative advantages.


Nature of Business

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.


The General direction and superintendence of the affairs of the bank are entrusted

to a 12 member Board of Director consisting of a chairman appointed by the

federal Government, the federal Government officers from the ministries of

finance and food and agriculture. Four officers of the four provincial Governments

and one non official nominated by each providence. One member on this board

represents the state Bank of Pakistan also,

In ZTBL the president supervise and directs the senior executive who supervise

and direct the senior vice president and senior president control voice president

who control assistant vice president who finally supervise officer the management

hierarchy of the bank as follow.



Officers

Senior Executive

Senior Vice President

Vice President

President

Assistant Vic

President MessageDear all,

I am privileged to address as President/CEO of the largest specialized Bank in the

country serving the agriculture sector particularly small farmers and rural poor for the last 49

years. Since my assuming charge at ZTBL in September last year, I have studied ZTBL deeply

with an objective to guide for development of a strategy which could make ZTBL a sustainable,

vibrant progressive institution and ensure a forward looking role for ZTBL in development of

agriculture sector in Pakistan. Reforming and redirecting ZTBL is a challenging task but I know

every step in the right direction is going to bring this institution close to the purpose for which it

was created.

ZTBL is the only institution with total focus on agriculture, the back bone of Pakistan's

economy, and a key player for alleviating poverty by ensuring greater outreach for cost effective

and timely availability of credit to the farming community. Private sectors initiative is

understandably lacking in this important economic sector with inherent risks. Therefore the

agricultural loans provided by commercial banks are mostly tied to large agro based industrial

projects in sectors like sugar, milk and juice plants etc. The real needs of the small farmers are

production loans for Agri inputs, and development loans for farm machinery and implements,

which are almost catered by ZTBL. In addition ZTBL is required to play another important role

in uplifting rural areas with special focus on women.


The Bank is increasingly meeting the growing demand of the farming community in line with the

Government's policy to revitalize the agriculture sector to play its role in strengthening the

Pakistan's economy. During the year 2009 the disbursement of Agri loans has increased from Rs.

55.9 billion in the year 2007 to Rs. 77.6 billion, registering an increase of Rs. 22 billion in just

one and a half year since my taking charge of the Bank.

Besides financing, we need to form partnerships with other countries to import latest

technologies (financed through multilateral/bi-lateral sources) without which we will be left

behind despite our competitive advantage in terms of climate and availability of fertile lands.

Therefore I invited a number of delegations from Asian Development Bank, China, Australia and

USA dealing with agricultural related products and non-traditional items. The objective was to

gain knowledge and experience from these countries and to apply such experience locally to

increase the income of the poor farmers, I am glad to share with you that as an outcome of these

interactions ZTBL will not only benefit in obtaining technology but arrangement of credit lines

through these visiting delegations is also expected as they are patronized by their governments.

We plan to continue such interactions.

The Bank's vision is to be the lead bank dedicated to serve the financial and technical needs of

the farming community efficiently, competitively and on a sustainable basis to strengthen the

agriculture sector leading to success of the Bank and the farming community. I feel immense

pleasure to say that ZTBL has now become a vibrant and self-sustainable financial institution,

while new agricultural technologies and various innovative packages of customer friendly

products and services have also been introduced. This is all due to hard work, dedication and

motivation of ZTBL team, which has resulted in taking financial health of the institution to new


heights as well as meeting the credit and technological needs of our farmers contributing to the

overall development of the agriculture sector.

I take this opportunity to congratulate and appreciate all my colleagues and every member of our

team who's untiring efforts have made it possible to achieve the highest ever performance of the

bank in all sphere of its operations i.e. disbursement, deposit, gross profit, and reduction in non-

performing loans*(Link for Performance Indicators). This commendable performance in the last

two years of the present Government has been due to the dynamic leadership, support, vision and

direction of the Honorable President of Pakistan Mr. Asif Ali Zardari and Honorable Prime

Minister of Pakistan Syed Yousaf Raza Gillani for mechanization of farms, uninterrupted credit

supply, expanded outreach that guided the Bank's management to translate the vision of the

People's Government into reality.

Now that ZTBL team has been assured that all good work would be rewarded, I do hope that the

present pace and dedication would continue by our professionally competent team. Every

member should resolve to surpass the last year's highest performance, using their best abilities

and extending fullest cooperation to accomplish new dimensions for the Bank, and set an

example for other institutions to emulate.

Agriculture sector of Pakistan has an immense potential to become a driving force to accelerate

the pace of growth in the country's GDP and to achieve the Government's target to put the

economy on a fast track and sound footings. Let us all join hands to be part of the green

revolution and make Pakistan stronger and self sufficient in all walks of life.

PAKISTAN ZINDABAD


MS. ROOHI RAEES KHAN PRESIDENT, ZTBL

There is 5500 employee of ZTBL.

Key Employee


Objective of ZTBL organization

Aims: To provide support staff to ZTBL undertake its non core activities and carry out any

business for its sustainability.

Objectives:

To carry on business of providing consultancy, advisory and other agency

services and other support services on contractual basis or otherwise to

ZTBL.

To provide to the Bank all kinds of support staff and ancillary services

including advisory and consultancy services, marketing of bank’s products

and services.

To provide to the Bank’s clients quality product and services for efficient

and improved farming including seeds, fertilizers, pesticides, Agri-

machinery and technical services like design of irrigation & drainage

system, repair and maintenance of agricultural machinery and other services

like training and education of farmers, market information and crop

insurance etc.


To liaison and establish contracts with agricultural research organizations

for development of efficient, effective and appropriate technologies for

improving output and value added products.

To provide welfare services to the employees of the Bank including

education, vocational training, sports and recreation facilities.

To carry on any business which may seem to the company capable of being

conveniently carried on in connection with the aforementioned business, or

calculated directly or indirectly, to enhance the value of, or render

profitable any of the Company’s property or rights.

To carry on any business, which may seem to the company capable of being

conveniently carried on

To undertake or take part in the management, supervision or control of the

business or operations of any person, firm, body, corporate, association or

any other undertaking and for such purpose or purposes to appoint and

remunerate any officers of the company, accountants or other experts or

agents.


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; (i) governance: establish an

environment that facilitates good governance and accountability; (ii) systems:

modernize operations through use of technology, networking, and communication

tools; (iii) business processes: streamline products and delivery systems so as to

reduce transaction costs, simplify operations, and increase outreach; (iv) products

and services: introduce products and services that are financially economically

viable; (v) human resource development: improve standards and skills of

management and staff and strengthen training capacity; and (vi) IT: establish new

hardware and software platform to support MIS, accounting system including

forensic accounting, and risk management.

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.


Re-Financing Scheme for Revival of Agricultural Activities in Flood Affected Areas

In line with the policy of Federal Government SBP has launched a "Re-Financing Scheme for

Revival of Agricultural Activities in Flood Affected Areas" in selected districts notified by

National Disaster Management Authority (NDMA). ZTBL has been allocated initially a limit of

Rs.3, 000 million. The validity of the scheme is up to November 30, 2012.

Scope/ Eligibility Criteria:

The salient features of the Scheme are as under:-

Agricultural credit shall be provided to the farmers for agri. production/working capital

finance in the selected districts affected by flood as notified by National Disaster

Management Authority (NDMA).


Agricultural credit, under this scheme, shall mean "Farm Credit" and "Non-Farm Credit"

for meeting the production/working capital requirements, as defined under Prudential

Regulations for Agriculture Financing.

All categories of farmers (owners, owner-cum-tenants and tenants) of the specified areas

will be eligible for agricultural loans under the Scheme.

Branches shall provide agri. loans to farmers as per lending policy of the Bank & SBP

Prudential Regulations.

Production loans would be provided under One Window Operations/Zarkhaiz Scheme as

well as through General Credit in branches for Rabi Crops (March, 2012), Kharif Crops

(April to September, 2012) and Rabi Crops from 1st October, 2012 to 30th November.

2012. However, outstanding finance, under this scheme, shall be recovered on the

maturity of the respective loans but within maximum period of one year. Further,

production loans for sugarcane are not to be advanced under this scheme as

maturity period of this crop is more than one year.

One time loan would be processed under the scheme as per standing instructions without

involving renewal/roll over being allowed in Sada Bahar/ Awami Zarai Schemes.


Price of Loan Case File Rs.200/- each Loan Appraisal Fee

a. Loan up to Rs.50,000/- [1% of loan applied]

b. Loan above Rs.50,000/- [2% of loan applied]

Postal Charges Rs.250/- (lump sum) FED and other applicable Taxes as per standing

instructions.

Rate of Markup:

Mark up rate to be charged from the borrower is 8 % per annum and in case

of default rate of mark up of SBS/Awami Zarai Scheme prevailing at that time (presently 12.50%

per annum) would be charged from the date of default till repayment/closure of loan case.


Collateral: All acceptable forms of security/surety as per policy of the Bank.

Maximum Limit: There will be a maximum limit of Rs. 0.500 million per

borrower/party under this Scheme.

Loan Disbursement: The sanctioned loan is disbursed in cash through current deposit account of the borrower

Repayment: Farm Credit

Cost of Credit:

Re-financing scheme for flood affected areas

Kissan Dost Scheme (KDS)

Special Product-Milk Chilling unit

Special Schemes for Gilgit-Baltistan

Canola re-financing scheme

ZTBL model village establishment

Financing package for Karachi

Crop maximization project-II

Green revolution Scheme

One window operation /Zarkhaiz Scheme

White revolution Scheme. ZTBL & PDDC

White revolution Scheme ZTBL & Nestle

Sada Bahar Scheme (SBS)

Awami Zarai scheme AZS (farm credit)

Awami Zarai scheme AZS (non Farm Credit)

Rural Development scheme

Red Meat financing Package for Sheep/ goat Rearers


Types of loans

Banks provides loans through various products/schemes for short, medium and long term

depending on the cash flow of the borrowers. The bank gives special focus and

importance to fulfill the genuine and real needs of the small farmers in terms of

production loans (seed, fertilizers, pesticides, POL, labor charges etc) as wells for

working capital purpose. These loans are provided to the needy farmers in cash and kind

under various schemes like Sada Bahar, Awami Zarai, General Credit and One Window

Operations Zarkhaiz Schemes. The bank also provides Development loans to farming

community like tractors, allied Agri-equipments/implements, besides loans for poultry

and livestock, fisheries, orchards, plantation, and irrigation schemes etc.

Maximum Credit limit

Maximum limit of loan is Rs.1.00 million per borrower/party.

Lending Criteria


The bank advances preferably to small farmers and following criteria is observed in

overall distribution.

Subsistence farmers 70%Economic farmers 20%Big farmers 10%Production loans

77.5%Development loans 22.5%The management adopts lending – recovering linkage

criteria to ensure smooth operations of the bank and honor its obligations.

Security

The bank provides loans under Agri-Pass Book System as well as other collateral

acceptable to the bank. Simplification of loan documents is in order to facilitate the

farmers; the Bank has simplified the loan documentation to be applicable for three years

of the loan period. The main loan documents which are presently being used in the

branches of the bank are as under loan application form IB-7 Revised loan Agreement-

cum-Guarantee Charge Creation Certificate/Sanction Mutation entered in bank favor

sanction latter for loan.

Major lending scheme

Sada Bahar Scheme


One Window Operation/Zarkhaiz Scheme

Crop Maximization Project-II

Crop loan Insurance Scheme Benazir Tractor Scheme

Awami Zarai Scheme

Establishment of Model Village

Sada Bahar scheme:

For providing timely input loans for crops and working capital for poultry and fishery etc,

the Bank has launched a Sada Bahar Scheme. Assessment for inputs requirements for the

whole year is made at the time of first application. The amount so assessed is treated as

Revolving Limit provided it is within the security limit. The Managers are authorized to

sanction such loan limits up toRs.O.500 million. Scheme's main features are as under:

Revolving Credit Limit is fixed to cater production credit and ancillary requirements

of the farmers during one year period.

The documentation once completed remains applicable for three years with yearly

cleanup/renewal without any further documents.

The borrowers can draw the credit in lump sum or in installments according to his

requirement.


Like-wise he can repay in lump sum or in installments during the year when his cash

position allows him.

Pass Book containing transactions in his SBS Account is supplied to every borrower

free of cost.

One window operation:

ZTBL has launched a one-window operation to enhance credit facilities particularly to

small farmers. This will facilitate to cater for purchase for inputs during peak sowing

season of both Rabi and Kharif Crops with the collaboration of Provincial Governments,

Revenue Officials and Postal Authorities. Agriculture Pass books are issued at the spot to

intending new borrowers. Their land records entered and loans are sanctioned at focal

points whereas payments are released on the very next day from the concerned branch.

During July-March, 2006-07, an amount of Rs 9.069 billion has been disbursed under this

scheme.

Crop Maximization Project-II

An agreement was executed between ministry of food & agriculture (CMP-II MINFA)

and ZTBL on 06-06-2009 for implementation of crop maximization project-II IN Which

both have agreed to participate in establishment and operationalization of revolving fund.


To implement the decision a new saving scheme under the name and style of “MINFA

reviving fund deposit account” (MDFDA), “MINA special saving deposit account

(MSSDA) and member farmers saving account (MSFA) have been exclusively designed

for Government’s crop maximization project-II (CMP-II M!!”JFA).

Crop loan Insurance Scheme Benazir Tractor Scheme

In order to bridge the gap between demand and supply position of tractor in the country,

the federal Government has decided to launch accelerated agriculture mechanization for

productivity enhancement, “Benazir tractor scheme” through ZTBL.

The scheme envisages supply of 10000 tractors during 2009 to 10 to farmers to be

selected through computerized balloting for grant of subsidy up to 50% of the of the

tractor subject to maximum of Rs. 200,000 per beneficiary/tractor.

Awami Zarai Scheme

All new borrowers of crop production loans will have to avail revolving limit

under Awami Zarai scheme to get inputs through M/S KSSL under kind system.

This scheme is optional for existing borrowers of the bank.


Dairy machinery : Self propelled fodder reaper

Milking machine

Milk chilling units

Farm yard manure spreader

Fruit Grader:For grading all kinds of fruit this machine is equipped with roller

inspection belt, conveyer belt and grading disc for six size + handling of

fruit without damage.

Garden waste chipper:Chips wood up till 8 cm with a knife disc and shreds branches and other garden waste

like grass, herbs etc. the machine is tractor mounted and PTO driven.

M E S C E R O: Seedless Acidic / juicy Export Oriented

An excellent crushing variety

Modern Agri machinery implement: Small HP Tractors (14-35 HP)


Combine Harvesters

Seed Processing Unit

Potato Grader

Multi Crop Planter

Potato Planter

Potato Digger

Groundnut Thresher

Self Propelled Reaper for Wheat & Paddy

Reversible Disc plough

Three Rows Ridger

Rice Transplanted

Cotton Picker

Inter Row Rotary Cultivator

Sugarcane Harvester

Off Set Rotavator

Orchard Sprayer

Electro dyne Sprayer

FLAIL MOWER:Tractor driven machine used to cut the grass and shrubs in the gardens. This

machine is driven by PTO shaft. Crops residuals are also cut down which

can enhance soil fertility.SPECIFICATIONS:


Working Width: 72 Inches (180 cm)

Power Required: 1x ½ HP + 1 x 1/3 HP

Agro Based Industries: U.H.T. Treated Milk Plants Yogurt Plants Rice Mills Packing Material for food items Juice Plants with paper packing facility

Irrigation Machinery: High Speed Diesel Engines

Sprinkler Irrigation Systems

Drip Irrigation System


Crops Orchard; Soybean Cultivation

Multicity Hybrid Sorghum

Hybrid Maize

Tea Cultivation

Mint Cultivation and Distillation Unit

Hot Bin Mist Propagation Unit

Polythene Tunnels

E.M. Technology

Exatic Fruit Plants

Export Oriented Citrus plants: Sweet oranges Mandarins Lemons


Cut Flower Crops: Roses

Tube Roses

Gladioli

Development of High Tech Cheaper Technologies: Potato Digger

Inter Row Rotary Cultivator

Self Propelled Rotary Hoe

Self Propelled Reaper for wheat & paddy

Groundnut Thresher

Potato Planter

Water Reel Travelling Sprinkler

Three Row Ridger

Border Disc

Fruit Grader

Seed Processing Plant

Offset Rotavator:

Its blades cut and pulverize the soil and incorporate trash effectively. Offset

type rotary cultivators are especially suitable for soil cultivation in orchards

particularly under trees. As the implement is off-set to one side of the

tractor, therefore, tree branches do not cause hindrance to tractor operator.


S PECIFICATIONS: Speed: 540RPM Power required: 45- 50 HP

Groundnut Thresher:

This machine is used for separating pods from peanut vines. Pods attached

to the vines are fed from the top of the thresher. Clean pods can be collected

in sacks. This machine is powered by a small HP Engine.

SPECIFICATIONS:

Engine Power: 2HP

Working Capacity: 300-370/ KG/Hour

Drum Revolutions: 400- 500 RPM

Potato Digger:

This machine is connected to tractor 3 point linkage and driven by PTO.

Two rows of potatoes are dug out. The soil is separated from the potatoes on


the conveyor grids and on the longitudinal shaking sieves. The potatoes are

dropped in single row and collected by hand.

Potato Grader:

Potatoes are fed by elevator belt (variable speed to 3 riddles which move the

potatoes with adjustable shocks to roller inspection belts. The machine has 4

outlets to provide different sized potatoes. Handling of potatoes is without

damage, especially suitable for seed potatoes. SPECIFICATIONS:

Overall Length: 525 cm

Overall width: 125 cm

Riddles: 3 with square holes, 1 with bar

Motor: 0.75 KW

Capacity: 4000 Kg/hr

Potato Planter:

The seeding mechanism is land wheel driven. The elevator chain is mounted with

cups lifting the seed potatoes from the hopper to the seed funnel. Furrow openers

open the furrows where the seed is dropped. Seed is later covered by means of

adjustable disc/Ridger.


SPECIFICATIONS:

No. of Rows: 2

No. of Hopper: 2

Row to Row Distance: Adjustable

Field Capacity: 2 hours/acre

Pruning Equipment:

Tractor mounted compressor with big capacity tank provides air to two

automatic hose reels with 50 meters house each. A variety of pruning shear,

tree shear, hedge trimmer (65 cm) and chain saw (length 24 cm) is available. SPECIFICATIONS:

Suction capacity: 850 L/Min

Tank capacity: 250 L

Max. Pressure: 18 Bars

Normal pressure: 8- 12 Bars

Cutting capacity shears: 30-35

S A L U S T I A N A:

Seedless

Sweet and Juicy

Thinly shinned


Excellent crushing variety

Highly productive

Broad acclimatization

Export Oriented

Solar Devices:

Solar Lift Irrigation System/Tube well

Solar Fencing

Solar Geyser

Solar Loud Speaker System

Solar Berg Alarm System

Stubble Shaver:

For vigorous deep rooted ratoon of sugarcane crop stubble shaving is

essential. The process destroys unwanted cane stubble so that the rations

growth can develop further.

Tunnels:

Production three folds as compared to open conditions

Early and late production

Considerable water savings


Weed control easy and effective

Helps raising ornamental plants

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. SPECIFICATIONS:

Flow:2-4Lit/Sec

Throw:35Meter

Pipe Length:180 Meter

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


these 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.

SPECIFICATION:

Model: CA-760

Engine: Yanmar 4TN100, Water - cooled, 4 - Cycle, Vertical 4-Cylinder, Diesel Engine

Engine output: 76 PS/2600 rpm (75 HP)

Grain Handling System: Bagging type

Av. Field Capacity: 1.25 - 1.50 acre/hr Paddy

1.50 - 2.00 acre/hr Wheat

Fertilizer Spreader:Chemical fertilizers utility increases if kit is evenly spread. Fertilizer spreader evenly

spreads if it is evenly spread. Fertilizer spreader evenly spreads both granular and


powdered fertilizers. The quantity of fertilizer application can be adjusted according to

requirement without any wastage, thus ensuring optimum returns on fertilizer

investments. Fertilizer is put in the hopper, two rod like structures continuously agitate

the fertilizer.

SPECIFICATIONS:

Hopper capacity: 300 kg

Fertilizer spreading width: 10m

Weight: 20 kg

Power Required: 30-35 HP Tractor


Zarai 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.No

Name of Branch Phone No. Address

1 Islamabad Branch 051-9252022

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

2 Main Branch Lahore

042-7353380

47-C, Sharah-e-Quaid-e-Azam, Lahore

3 Peshawar Branch 091-2262279

Chughalpura, GT Road Reshawar

4 Gujranwala Branch 055-9200206

D.C Road, Gujranwala

5 Faisalabad Branch 041-9210008

Opposite Punjab Medical College, Faisalabad

6 Multan Branch 061-9200509

61-A Abdali Road, Multan

7 Sahiwal Branch 040-9200424

915-D Block Farid Town Sahiwal

8 Sargodha Branch 048-9230491

Katchery Road, Sargodha

9 Khan Pur Branch 068-5573079

Model Town- Near Paradise Cinema Khan Pur

10 Shafi Court Branch 021-9206006

Shafi Court Building Mereweather Road Karachi South

11 Main Branch Gulshan-e-Johar

021-4613618

St 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:

Type Specification Rent Per

Annum

Rent after

grace period

Key Deposit

Small 6-1/2"x4-

1/2"x23"

Rs.1200/- Rs.1,500/- Rs. 5,000/-

Medium 13-1/2"x4-

1/2"x23"

Rs.1,800/- Rs.2,250/- Rs. 10,000/-

Large 13-1/2"x8-

1/2"x23"

Rs.2,500/- Rs.3,125/- Rs. 15,000/-

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.


Performance statistics balance sheet (Audited) (RS million) as on dec.31,

(Rs. In millions)

2011 2010

Total assets: 122,468 117,586

Cash, balances with bank 14,233 13,662


Lending to financial institutions 0 0

Investment –net 12,048 7,842

Advance- net 84,744 84,793

Borrowing from financial institutions 51,257 51,257

Deposits other account 8,962 9,603

Total liabilities 98,147 95,881

Net assets share capital 12,522 12,522

Reserve , un-app. profit 10,485 8,340

Surplus on revalue, assets 1,314 0,842

Share capital 12,522 12,522

Total operating fix asset 1,167 1,132

Income statement (rupees in millions)

2011 2010

Markup-interest earned 9,527 8,917

Markup-interest expend 3,79 3,714

Net markup-interest income 5,737 5,204

Provision and write offs 0 0


Net markup after provision 5,055 3,838

Total non markup income 3,05 4,33

Income before admn. Exp 8,104 8,167

Admin Expence ,etc 4,46 5,26

Profit before Taxation 3,321 2,912

Current & deffered tax 1,15 1,015

Profit/(loss) after taxation 2,171 1,90

Ratios:

Return on AssetsReturn on Assets = Net profit after tax *100

Total Assets


RATIOS 2010 2011

ROA 0.16% 1.78%

ROA0%

10%20%30%40%50%60%70%80%90%

100%

20112010

Interpretation:Return on assets measures the overall effectiveness of management in generating

profit with its available assets. The higher the return on total assets is considered

best for the organization. There is an increasing trend in the ratio in 2011. But in

year 2010 the ratio decreased and then increased in year2011 that is a good sign for

the bank. Means the management is utilizing its assets in the best way to earn more

returns on its available assets.

Return on DepositReturn on Deposit = Net profit before Tax *100

Deposits


RATIOS 2010 2011

Return on

Deposit30.32% 37.1%

Interpretation:

Return on deposit is basically calculated for the purpose of checking the increase

in profits. There is an increasing trend in the ratio for 2011. Then there is slight

decrease in the ratio in year 2010. But in the last year of analysis the ratio has

increased that is good sign for the bank. Means the bank is earning more on its

deposits.

Deposit to total liability Ratio:

Deposit to total liability Ratio= Total Deposit*100

Total Liabilities


45%55%

Sales2010 2011

2010 2011

Deposit to Total liability

10.1% 9.13%

Interpretation:

The above ratio shows the relation between the total deposits and total

liabilities. The higher the ratio the higher is the deposits of the bank. The

ratio increased in 2010 and 2011 there is a little decrease in ratio. The

management of Bank should think to improve this ratio. The higher the

investment of the bank as compared to the total liabilities the higher are

the chances of growth for the bank.

Net Profit Margin Ratio

Net Profit Margin= Net profit after tax / Total Income


20102011

4.3

2.5

deposit to total liability ratio deposit to total liability ratio

RATIOS 2010 2011

Net profit margin

0.28% 0.25%

20102011

0

0.5

1

1.5

2

2.5net profit margin 2.5

net profit margin

Axis Title

Advances to Assets Ratio

Advances to Assets= Total advances / total Assets


Years 2010 2011

Ratio (%) 72.11 60.21

Interpretation:

This ratio is showing the relationship between total advances to total assets. The

ratio was highest in 2010(72.11%) its mean advances are greater than assets

which was good indication for bank because more people were getting loans from

bank but in 2011(62%) advances suddenly decreases. This decrease in ratio is due

to decrease in bank loans its mean bank’s financing department is not work

properly.

Strengths:


59%

41%

Advances to Assets Ratio

20102011

The total assets of the Bank stand at Rs.84 billion with authorized capital of

Rs.25 billion as of 31.12.2005, with a nation-wide working

strength comprises 5500 employees.

The share of ZTBL in total national institutional agricultural credit remains

around 35%.

ZTBL has a recovery ratio of 85%.

ZTBL has a social network of MCOs that work in every remote corner

of country, where any other commercial bank can’t dare to work.

Utility bills, hajj schemes applications are being collected by ZTBL.

It has introduced locker facility in some limited branches.

They have good cooperation with farmers; they meet them at least one time

in a week, which produces good cooperation among them.

Weaknesses:

ZTBL has a less number of people who have technical skill of

computer and information technology.

Up till now many branches could not be brought to online

system.


As the ZTBL has to deal with the illiterate farmers that is

why it has to keep itself as simple as the farmer’s

mentality.

The employees are promoted after a very long time that

causes a distress among employees.

Many branches still practice their daily transaction by

book, which makes banking laborious and time consuming.

B r a n c h e s o f Z T B L a r e i l l e q u i p p e d , l e s s a n d p o o r

q u a l i t y f u r n i t u r e i s provided.

Record keeping is poorly practiced.

Opportunities:

ZTBL has a great potential to serve general banking.

Deposit system introduction can generate funds for the bank.

By making investment in new areas.


Senior employees’ compliance with coordinators can enhance

their working abilities.

By developing technical education, the bank can increase its

progress.

Threats: Book keeping is proven to be a greater threat for ZTBL as there

is danger of record loss.

There is no availability of online record which can produces

confusions among loonies.

Although the recovery ratio is round about 85% but it is only

window-dressing and not the actual one.

There is no maintenance of duties by the staff.

Their interest ratio is round about 9% per annum, which is very

low from other commercial banks.


One of the most important aims of the student life is to express him / her correctly

and adequately. This was believed in my mind when I first decided to go to Zarai

Taraqiati Bank Limited to complete and internship program.

Banking is one of the most sensitive businesses all over the world. Banks play very

important role in the economy of every country all over the world and Pakistan is

no exemption. This report is about one of the leading Agriculture Bank of the

Pakistan known as Zarai Taraqiati Bank Limited. ZTBL is playing its one of the

most important role in the development of the Agriculture Sector of the Pakistan.

On 14th December 2002, under the ordinance of the Agricultural Development of

the Pakistan 1961, ZTBL was incorporated as Public Limited Company. This Bank

severs its venerated customers in the form of different customized products. It is

providing both type of severs financial and non-financials mostly to its clients

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 349 branches and is

severing round about half of the million clients annually and over accumulated

account holder’s with the average loan size of around Rs.89000 serving 65%, 31%

& 4% of subsistence, economic and large growers respectively.

Zarai Tarqiati Bank Limited. Most of the Population of the Pakistan is poor

particularly peoples link with the sector of Agriculture in Pakistan. Punjab is the

main head of Agriculture activities depending on the consumption of the crops.


Zarai Tarqiati Bank Limited is the most active entity which is always readies for

the help of Poor Farmers both financially and in sense of advice them for

consuming more and multiple crops. Here we give you the overview of Zarai

Tarqiati Bank Limited, Jobs In Zarai Tarqiati Bank and finally the services

provided by Zarai Tarqiati Bank in Pakistan.

The organization has been growing in size and profit for past few year and repute

in the market. The employee turnover is very high which they have to cut down as

there losing a number of good trained of employees due to its poor policy. The

year 2011 is expected to offer increase competition in the secured assets business

as more agree financing banks are in the market. With their focused strategy and

product development initiative planned for the year, ZTBL is strongly positioned

to meet these challenges the bank has very well repute in the market. Over all bank

is going well and doing a good business but there are few problem for that I have

tried to give few recommendation that might help company to improve so finely

this internship program help me a lot in gaining practical knowledge of job that

well help me in practical life once I complete MBA.

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 Internship Report Jamshaid Sarwar MBA G-2 Session 2010-2014

and to persons engaged in cottage industries in rural areas and provide

sustainable rural financing services, particularly to small farmers.

Corporate vision: Dedicated to serve the needs of the farming community, by

delivering financial product and technical serving 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.

The bank has seen phenomenal growth in the past few years by opening more

branches in the country increasing the fund basses while also increasing the assets

and profit of the bank.

The service of ZTBL provides have a great market penetration not only because of

their features but also the profit and markup rates that they charge. Also the

products that ZTBL provides cater to sector of the economy.

The top management of the bank is always developing strategies that cope with

unexpected challenges to deliver products and services more efficiently.


Furthermore, as the bank is growing the number if employee at bank are increasing

which shows that bank is being considered as a an employer that provides its

employees with a challenging environment to work in where they can harness their

full potential and shows confidence as an employer’s by the employees of the

bank.

Lastly to become the leading bank of Pakistan, ZTBL has to benchmark its

services to its major competitors in the industry or the market leader in the industry

and provide a continuous mean of improvement in its existing product and

services, while introducing new ones to the industry.

It is evident from this report and the financial statements of ZTBL that it is making

progress by leaps and bounds. The profits of ZTBL have grown considerable

during the few years and trend is expected to continue into the future. 2011 was the

golden era of ZTBL 2011 the ZTBL earn more than more profit and record in all

previous years. Therefore I conclude that ZTBL has a very prosperous present and

future, which assures the stakeholders of wealth maximization. Side by side of it I

think that if bank would be able to cover and control on the mentioned

recommendations then it would be in such a situation that will really lead it

towards the road of prosperity, development and integrity. And with the mentions

sentences I think there is too fault of the clients and in order to make the proper

working of the bank the customers should also cooperate with the bank which will Internship Report Jamshaid Sarwar MBA G-2 Session 2010-2014

be really a good, ambitious and diligent condition for the bank. And the bank will

be really in such a situation and position to compete its competitors in the country

as well as on international level.

2011 is the golden era of ZTBL the assets are increase year by year the total assets

in 2009 that is 113 billion and in 2010, the assets is 117 billion and in 2011 the

total assets are increase in 123 billion high jumped in increasing. Profit before tax

in 2009 that was 3373 million and 2010 profit was 2878 and 2011 profit before tax

is 3277 a little decrease and equity in 2009 19 billion and in 2010, equity is 22

billion and in 2011 equity is 24 billion.

And the profit after tax 8,600 million as compared to previous a greater increase in

income. Bank investment in the financial sector was based in the confidence of

bank in the country as a whole and it has been any demonstrated by the growth

planes of though ambitions in nature but prudent and in line with the potentials of

the market place. although the financial sector in general witnesses some

shrinkage, both in terms of downsizing and closure of certain locations, the bank,

however, continued with its expansion programmed and added more branches

ZTBL view specialized services excellence as the cornerstone of its strategy.

The people of bank innovation, creativity, reliability, customized services and their

treasury division and the structured finance unit have been geared to provide


specialized services to the corporate customers. Revenue from these activities has

started yielding dividends and they expect significant growth in these areas in the

coming years. While building in their in-depth familiarity with their customers’

needs and anticipated development in the banking industry, the retail and corporate

areas of their operation will continue to provide a strong and stable base to the

business of the bank.

They are aware that they stepped into 21th century and they must meet its

challenges by acquiring the highest levels of technologies. They will thus be

accelerating their enable them distribute their product and services through most

efficient and high –tech means. They say that they will invest in the modern tools

and sustain allocation of resources will be made to achieve this objective during

the current year. This program to launch real time – on line banking services and

introduction of ATMs at strategic location have been firmed up and will be fully

operational during the year 2011.their focus would be to constantly seek out

growth opportunities through increased quality assets and by offering a wider

range of products and services to their esteemed customers there are significant

growth opportunities for ZTBL and they are confident their ability to grasp them.

They are committed to enhance the shareholder’s value and look forward with

greater optimism to a prosperous future for ZTBL.


I will conclude my report by saying that my training program at Zarai Taraqiati

Bank Limited was a mighty experience, in terms of learning, dealing with people,

g e t t i n g t h e h o w k n o w o f t h e w o r k i n g o f o r g a n i z a t i o n s a n d t h e

i n t r i c a c i e s o f practical life. Such an experience is a necessity for every

business student as it helps one in choosing the area of work to adopt in

professional life. This training program sets a strong basis for students about to enter

professional life to do the correct career counseling for themselves in

accordance with their ability to integrate work with knowledge, their

learning capacity and the ability to sustain pressures.

Training and awareness of personnel in all sectors and at all levels is

required to face the future challenges. Adaptation of globalization,

spectacular developments in information technology, internet ,

E-commerce etc are required.


Zarai Taraqiati Bank Limited is a huge name in the agricultural sector and

a large number of loans are provided to the agricultural sector by the Zarai

TaraqiatiBank Limited but I experienced some problems that should be

encountered. These problems are:

Transportation facility is not provided to the whole employees, it

should be provided to them.

Proper training of I. T should be given to all the employees, as it is

necessary to the company benefits.


Top managerial personnel should be trained both at company

premises and at the international level.

Managers are required to get training in the modern scientific

management control methods

Manager fully trained in computer like banking sector related sites

in internet and related software which is common use in ZTBL.

Easy method use to control the management.


www.ztbl.com.pk

www.scribed .com

www.wikipedia.org/

http://www.corporateinformation.com/Company-Snapshot


http://www.corporateinformation.com/Company-Snapshot

http://www.wikipedia.org/

http://www.ztbl.com.pk/

MCO mobile credit officer

Cr. Credit

Dr. Debit

SWOT s= strength

W=weakness

O=opportunity

T= threat

ADBP agricultural development bank of Pakistan

CEO chief executive officer

Rs. Rupee

GDP gross domestic product

CA charted accountant

Ho head office

ZTBL Zarai Taraqiati Bank Limited

CAD credit administration department


president message - jamshaid sarwar -...

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