Internship Report

Submitted 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

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Internship Report

Jamshaid Sarwar MBA G-2

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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
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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

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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.

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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

ZTBL current logos

18

10.
11.

19

President Message

12.

Number of employee and board director

22

13.

Objective of ZTBL organization

25

14.

Years wise disbursement

27

15.

achievement

28

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

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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 Summary
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
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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 Pakistans 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 holders 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

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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
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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.

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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: contactus@ztbl.com.pk
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
leading
and11
Internship
Report
Jamshaidmanner,
Sarwar MBA
G-2 to success of the bank
Page
Session 2010-2014

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.

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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.
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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

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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

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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.

President

Vice President
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Senior Vice President

Senior Executive

Assistant Vic

Officers

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President Message
Dear 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

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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.

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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 nonperforming 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

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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.

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Key Employee

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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 banks products
and services.

To provide to the Banks clients quality product and services for efficient
and improved farming including seeds, fertilizers, pesticides, Agrimachinery 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.

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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 Companys 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.

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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
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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
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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.

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Re-Financing Scheme for Revival of Agricultural Activities in Flood

Affected Areas

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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.

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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.

Cost of Credit:
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.

Collateral: All acceptable forms of security/surety as per

policy
the Bank.
Rate
ofof
Markup:

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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.

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

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)
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 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.

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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 Agreementcum-Guarantee Charge Creation Certificate/Sanction Mutation entered in bank favor
sanction latter for loan.

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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.

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 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

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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 Governments 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.

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 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

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 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 HP + 1 x 1/3 HP

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Jamshaid Sarwar MBA G-2

Session 2010-2014

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 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

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Jamshaid Sarwar MBA G-2

Session 2010-2014

Page 41

 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

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Jamshaid Sarwar MBA G-2

Session 2010-2014

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 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

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Session 2010-2014

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 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:

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Jamshaid Sarwar MBA G-2

Session 2010-2014

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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

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Session 2010-2014

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 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

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Session 2010-2014

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 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

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Jamshaid Sarwar MBA G-2

Session 2010-2014

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 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

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Session 2010-2014

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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.N
o

Name of Branch

Phone No.

Address

Islamabad Branch

0519252022

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

Islamabad

Main Branch
Lahore

0427353380

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

Peshawar Branch

0912262279

Chughalpura, GT Road Reshawar

Gujranwala Branch

0559200206

D.C Road, Gujranwala

Faisalabad Branch

0419210008

Opposite Punjab Medical College, Faisalabad

Multan Branch

0619200509

61-A Abdali Road, Multan

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Session 2010-2014

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Sahiwal Branch

0409200424

915-D Block Farid Town Sahiwal

Sargodha Branch

0489230491

Katchery Road, Sargodha

Khan Pur Branch

0685573079

Model Town- Near Paradise Cinema Khan Pur

10

Shafi Court Branch

0219206006

Shafi Court Building Mereweather Road Karachi

South

11

Main Branch
Gulshan-e-Johar

0214613618

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

Specifica

Rent

Rent after

Key

tion

Per

grace

Deposit

Small

6-1/2"x4-

Annum
Rs.1200/-

period
Rs.1,500/-

Rs.

Mediu

1/2"x23"
13-

Rs.1,80

Rs.2,250/-

5,000/Rs.

1/2"x4-

0/-

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10,000/Jamshaid Sarwar MBA G-2

Session 2010-2014

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Large

1/2"x23"
13-

Rs.2,50

1/2"x8-

0/-

Rs.3,125/-

Rs.
15,000/-

1/2"x23"

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.

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Session 2010-2014

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Internship Report

Jamshaid Sarwar MBA G-2

Session 2010-2014

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

(Rs. In millions)

Total assets:

Internship Report

2011

2010

122,468

117,586

Jamshaid Sarwar MBA G-2

Session 2010-2014

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Cash, balances with bank

Lending to financial institutions
Investment net
Advance- net
Borrowing from financial institutions
Deposits other account
Total liabilities
Net assets share capital
Reserve , un-app. profit
Surplus on revalue, assets
Share capital
Total operating fix asset

14,233
0
12,048
84,744
51,257
8,962
98,147
12,522
10,485
1,314
12,522
1,167

13,662
0
7,842
84,793
51,257
9,603
95,881
12,522
8,340
0,842
12,522
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

Net markup after provision

5,055

3,838

Total non markup income

3,05

4,33

Income before admn. Exp

8,104

8,167

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Session 2010-2014

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Admin Expence ,etc

4,46

5,26

Profit before Taxation

3,321

2,912

Current & deffered tax

1,15

1,015

2,171

1,90

Profit/(loss) after taxation

Ratios:
Return on Assets
Return on Assets = Net profit after tax *100
Total Assets
RATIOS
ROA

2010

2011

0.16%

1.78%

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Session 2010-2014

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100%
80%
2011

60%

2010

40%
20%
0%
ROA

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 Deposit
Return on Deposit = Net profit before Tax *100
Deposits
RATIOS
Return on
Deposit

2010

2011

30.32%

37.1%

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Session 2010-2014

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Sales
2010

55%

2011

45%

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.

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Session 2010-2014

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Deposit to total liability Ratio:

Deposit to total liability Ratio= Total Deposit*100
Total Liabilities
Deposit to
Total
liability

2010

2011

10.1%

9.13%

deposit to total liability ratio

deposit to total liability ratio

4.3
2.5
2010

2011

Interpretation:

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Jamshaid Sarwar MBA G-2

Session 2010-2014

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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
RATIOS
Net profit
margin

2010

2011

0.28%

0.25%

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net profit margin

2.5
2.5
2
1.5
Axis Title

1
0.5
0
2010
2011

Advances to Assets Ratio

Advances to Assets= Total advances / total Assets
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Session 2010-2014

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Years

2010

2011

Ratio (%)

72.11

60.21

Advances to Assets Ratio

2010
2011

41%
59%

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 banks financing
department is not work properly.
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Session 2010-2014

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Strengths:
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 cant 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.

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Session 2010-2014

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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 farmers 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.
Branches of ZTBL are ill equipped, less and poor
q u a l i t y f u r n i t u r e i s provided.
Record keeping is poorly practiced.

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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.

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Session 2010-2014

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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 Pakistans 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 holders with the average loan size of around Rs.89000 serving 65%, 31%
& 4% of subsistence, economic and large growers respectively.
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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.

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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.
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.

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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 employers 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
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Session 2010-2014

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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
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
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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
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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 shareholders 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,
getting the how know of the working of organizations and the
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 infor mation technology, internet,
E-commerce etc are required.

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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.

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 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.

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www.ztbl.com.pk
www.scribed .com
www.wikipedia.org/
http://www.corporateinformation.com/Company-Snapshot

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MCO

mobile credit officer

Cr.

Credit

Dr.

Debit

SWOT

s= strength
W=weakness
O=opportunity
T= threat

ADBP
Pakistan

agricultural

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

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development

Jamshaid Sarwar MBA G-2

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bank

of

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