HAND BOOK OF COMPUTER

CODES & CHECKS

(UPDATED UPTO 30.04.2008)

ZTBL

IT-SYSTEM DEVELOPMENT DEPARTMENT

INFORMATION SYSTEMS DIVISION
ZARAI TARAQIATI BANK LIMITED
HEAD OFFICE, ISLAMABAD
 CONTENTS

Sr. No. Particulars Page No.

1. Branch Codes 2-15

2. Computer Code Number to Departments of 16-18

Head Office & Units/Audit Zones in the Field

3. MCO Codes 19
4. Relation Codes 19
5. Religion Codes 19
6. Sex Codes 19
7. Occupation Codes 20
8. Status Codes 20
9. AGPS Codes 20
10. Security Codes 21-23
11. Labour Codes 23
12. Scheme Codes 24-25
13. Crop Codes 26
14. Orchard Codes 26-27
15. Tractor H.P & Make Codes 27-28
16. Tube well Capacity and Make Codes 29
17. NREA Codes 29
18. Group Category Codes 30
19. Type of Group Codes 30
20. Developed by Source Codes 30
21. NGO Codes 30
22. Transaction Codes 31-32
23. Expenses Codes 32
24. Reversal Codes 32
25. Revision/Refixation/Reschedulement Codes 32
26. General Ledger Heads 33-53

1
Zone Code
Islamabad 901
Branch Name Br.Code
Islamabad 24401
Head Office Model Branch 24402
Attock 24403
Pindi Gheb 24404
Jhelum 24407
Mirpur (A,K) 24408
Kotli 24409
Murree 24411
Kahouta 24412
Talagang 24413
Chakwal 24414
Rawalakot 24416
Jand 24417
Gujar Khan 24425
Rawalpindi 24426
Fateh Jang 24427
Bagh 24431
Sehnsa 24432
Zone Code
LAHORE 902
Branch Name Br.Code
Chung 21252
Chunian 21253
Kasur 21254
Sheikhupura 21258
Nankana Sahib 21259
Ferozwala 21260
Manawala 21267

2
Sharaqpur 21268
Phool Nagar 21270
Model Branch Lahore 21271
Narang Mandi 21272
Sangla Hill 21273
Pattoki 21275
Kot Radha Kishan 21276
Muridkey 21279
Lahore Cantt. 21281
Khan Ka Dogra 21283
Khudian 21288
Kanganpur 21289
Zone Code
SARGODHA 903
Branch Name Br.Code
Phalia 21269
Pindi Bhattian 21277
Malakwal 21278
Sargodha 23351
Shahpur 23352
Bhalwal 23353
Jauharabad 23354
Nurpur Thal 23370
Bhagtanwala 23371
Kot Momin 23372
Sahiwal (SGD) 23373
Bhera 23376
Sillanwali 23377
Mandi Bahuddin 24406
Pind Dadan khan 24410

3
Zone Code
FAISALABAD 904
Branch Name Br.Code
Syedwala 21282
Athara Hazarvi 23341
Jaranwala 23355
Faisalabad 23356
Jhang 23357
Shorkot 23358
Chiniot 23359
Toba Tek singh 23363
Samundri 23364
Tandlianwala 23365
Kamalia 23366
Garh Maharaja 23367
Bhawana 23374
Gojra 23375
Pirmahal 23378
Satiana 23379
Shahjewana 23385
Sindhilanwali 23386
Chak Jumra 23387
Mamun Kanjan 23388
Rajana Town 23389
Zone Code
GUJRANWALA 905
Branch Name Br.Code
Gujranwala 21255
Wazirabad 21256
Hafizabad 21257

4
Sialkot 21261
Daska 21262
Narowal 21263
Shakar Garh 21264
Pasrur 21265
Kamokey 21266
Naushehra Virkan 21274
Wando 21280
Satrah 21285
Alipurchattah 21291
Qilla Didar Singh 21292
Kotli Loharan 21297
Gujrat 24405
Bhimber 24418
Kharian 24424
Zone Code
SAHIWAL 906
Branch Name Br.Code
Sahiwal 20217
Pakpattan 20218
Depal Pur 20219
Okara 20220
Chicha Watni 20221
Arifwala 20224
Haveli Lakha 20225
Basir Pur 20234
Gogira 20235
Noor Shah 20236
Noorpur Town 20238
Bonga Hayat 20245
Kassowal 20246

5
Qaboola Town 20247
Renala Khurd 20256
Zone Code
VEHARI 907
Branch Name Br.Code
khanewal 20202
Vehari 20203
Mailsi 20205
Kabir Wala 20212
Abdul Hakim 20215
Burewala 20223
Mian Channu 20226
Tiba Sultanpur 20230
Karam Pur 20237
Ludden 20242
Jahanian 20253
Zone Code
MULTAN 908
Branch Name Br.Code
Multan 20201
Lodhran 20204
Shujahabad 20206
Kehror Pacca 20222
Jalalpur Pirwala 20227
Makhdoom Rashid 20251
Dunyapur 20252
Zone Code
MUZAFFARGARH 909
Branch Name Br.Code
Muzaffar Garh 20207
Kot Adu 20208

6
Leiah 20209
Ali Pur 20213
Karor Lal Essan 20229
Chobara 20239
Chokmunda 20240
Sanawan 20257
Jatoi 20258
Shahar Sultan 20259
Khangarh town 20267
Zone Code
D.G. KHAN 910
Branch Name Br.Code
Dera Ghazi khan 20210
Rajan Pur 20211
Jam Pur 20214
Taunsa 20216
Rojhan 20228
Kot Chuttah 20263
Zone Code
BAHAWALPUR 911
Branch Name Br.Code
Bahawalpur 22301
Ahmedpur East 22302
Hasilpur 22303
Bahawalnagar 22304
Chishtian 22305
Minchinabad 22310
Fortabbas 22311
Haroonabad 22312
Yazman 22313
Khairpur Tamiwali 22321

7
Uch Sharif 22322
Noor Pur Nauranga 22323
Zone Code
RAHIM YAR KHAN 912
Branch Name Br.Code
Rahim Yar Khan 22306
Khanpur 22307
Sadiqabad 22308
Liaqatpur 22309
Sanjarpur 22314
Mianwali Qureshian 22326
Zone Code
KARACHI 913
Branch Name Br.Code
Model Branch Shafi Court Karachi 10001
Thatta 10002
Sujawal 10003
Mirpur Sakro 10004
Chur Jamali 10008
Main Branch Karachi 10009
Jati 10012
Ver 10013
Fish Harbour 10014
Mirpur Bathoro 10015
Memon Goth 10016
Gadap 10017
Ibrahim Hyderi 10018
Uthal 40930
Hab Chowki 40931

8
Zone Code
HYDERABAD 914
Branch Name Br.Code
Hyderabad 11031
Hala 11036
Tando Allah Yar 11037
T. M. Khan 11038
Talhar 11039
Matli 11044
Sehwan Sharif 11045
Golachi 11046
Kotri 11047
Tando Bhago 11056
Tando Ghulam Ali 11057
Matiari 11064
Tando Jam 11065
Badin 10007 *
Zone Code
NAWABSHAH 915
Branch Name Br.Code
Dadu 10005
Johi 10010
Seeta Road 11062
Bhan Saeedabad 11063
Nawab Shah 12071
Moro 12072
Qazi Ahmad Twon 12073
Bhiria City 12077
Sakrand 12081
Kandiaro 12087

9
Daur 12092
Naushero Feroz 12093
Daulat Pur 12094
Zone Code
SUKKUR 916
Branch Name Br.Code
Agra Town 12056
Sabbo Dero 12057
Kingri 12058
Sukkur 12061
Khair pur 12064
Kot Digi 12065
Gambat 12066
Ghotki 12067
Pano Akil 12083
Mir Pur Muthelo 12084
Thari Mirwah 12086
Pacca Chang 12089
Chundkonara 12090
Ubaro 12091
Dharki 12096
Zone Code
LARKANA 917
Mehar 10006
K.N.Shah 11043
Radhan 11061
Dokri 12060
Jaccobabad 12062
Kandh Kot 12063
Larkana 12068
Shahdad kot 12069

10
Kamber 12070
Warah 12074
Naudero 12075
Miro Khan 12085
Khanpur 12076
Shikarpur 12078
Garhi Yasin 12079
Kashmore 12080
Thul 12082
Miro Khan 12085
Lakhi Ghulam Shah 12088
Zone Code
MIRPURKHAS 918
Branch Name Br.Code
Mirpur Khas 11032
Digri 11033
Kot Ghulam Muhammad 11034
Umer Kot 11035
Sanghar 11040
Shahdad Pur 11041
Khipro 11042
Sanjhoro 11048
Tando Adam 11049
Samaro 11050
Pithoro 11051
Hingoro 11052
Mithi 11053
Kandiari 11054
Zone PESHAWAR Code 919
Branch Name Br.Code
Peshawar 30701

11
Nowshera 30702
Charsadda 30703
Badabair 30704
Shergarh 30705
Tangi 30706
Rustam 30707
Katlang 30709
Mardan 30710
Swabi 30711
Lahore Chotta 30712
Takhtbhai 30713
Bara 30716
Shabqader 30718
Kohat 30820
Karak 30821
Hangu 30822
Sadda 30823
B D Shah 30825
Parachinar 30830
Zone Code
D.I.KHAN 920
Branch Name Br.Code
Mianwali 23360
Isakhel 23361
Bhakkar 23362
Klurkot 23368
Mankera 23369
Piplan 23380
D.I. Khan 30801
Tank 30802

12
Kulachi 30805
Bannu 30810
Lakki Marwat 30811
Paharpur 30812
Serai Narang 30813
Domail 30814
Zone Code
MINGORA 921
Branch Name Br.Code
Batkhela 30720
Mingora 30721
Dagar Bunair 30722
Chitral 30730
Timergarah 30740
Warijoon 30741
Booni 30744
Chakdara 30745
Darosh 30746
Bajurkhar 30750
Alpurai 30751
Dargai 30752
Dir 30753
Matta 30754
Behrain 30755
Zone Code
ABBOTTABAD 922
Branch Name Br.Code
Muzaffarabad 24415
Abbottabad 30901
Haripur 30902
Oghi 30903

13
Dasu 30905
Mansehra 30910
Batagram 30911
Balakot 30915
Gilgit 30930
Skardu 30931
Gakoch 30932
Aliabad Hunza 30933
Chilas 30940
Zone Code
QUETTA 923
Branch Name Br.Code
Quetta 40801
Dalbandin 40802
Harnai 40811
Ziarat 40812
Kohlu 40814
Loralai 40820
Duki 40821
Qilla Saifullah 40840
Pishin 40850
Noshki 40891
Mastung 40860
Khuzdar 40870
Kharan 40880
Zhob 40890
Barkhan 40892
Qalat 40932

14
Zone Code
TURBAT 924
Branch Name Br.Code
Turbat 40901
Gawadar 40920
Pasni 40921
Panjgur 40922
Tump 40923
Jiwani 40925
Awaran 40933
Zone Code
D.M.JAMALI 925
Branch Name Br.Code
Sibbi 40810
D.M.Jamali 40830
Jhatpat 40831
Usta Muhammad 40832
Dhadar 40833
Bagh 40835
Sohbatpur 40836
Zone Code
M. Branch (Karachi +Lahore) 926

15
 Computer Code Number to Departments of
Head Office & Units/Audit Zones in the Field

Name of Division/Department Code No.

1. President Office 50100

2. President Secretariat 50101

3. Inspection & Complaints Deptt: 50133

4. Disciplinary Proceeding Deptt: 50209
5. Compliance Office 50121
6. Legal Services Department 51002

7. Operations Division 50704

8. Agriculture Technology Department 50407
9 Cr. Policy Department 50403
10. Branch Operations Department 50703
11. Business Dev. & Marketing Deptt: 50702
12. Credit Operations Department 50404

13. Services Division 51101

14. General Services Department 51104
15. Medical Occupational Health & Safety Department 50212

16. Finance & Accounts Division 50306

17. Central Accounts Department 50305
18. HO Accounts Department 50304
19. Regulatory Reporting Department 50307
20. Budget & Funds Management Deptt: 50303

21. Recovery & SAM Division 50801

22. Recovery Department 50803

16
23. SAM Department 50805

24. Human Resource Division 50201

25. HR Operations Department 50202
26. Training & Dev. Department 51301
27. Performance Management Department 50210
28. Policy & Regulations Deptt: 50204

29. Internal Audit Division 50906

30. Corporate Audit Department 50902
31. Field Audit Department 50904

32. Research & Planning Division 50505

33. Research & Publication Department 50502
34. Data Bank 50506

35. Information Systems Division 50601

36. IT-System Development Department 50605
37. IT-User Support Department 50602
38. IT-Networks Department 50603
39. IT-Security Department 50608
40. IT-Operations Department 50604

41. Risk Management Department 51201

42. Head HR 50200
43. Chief Financial Officer 50301
44. Chief Internal Auditor 50906
45. Chief Information Officer 50607
46. Company Secretary Office 50102
47. Public Relations Unit 50103
48. Sr. Management Team 50117

17
49. Project Impl. Unit 50118
50. Protocol Office 50120
51. Staff College Islamabad 50211
52. Staff College Karachi 50251
53. Micro Enter. & Spl Scheme 50406
54. Payment Wing HO 50001
55. HO A/C Karachi 50002
56. A/C Cell Karachi 50351
57. GSU Karachi 50751

Audit Zones
1. Peshawar 50951
2. Lahore 50955
3. Multan 50958
4. Karachi 50964
5. Sukkur 50961
6. Quetta 50965

18
 MCO CODES
1. MCO 01
2. Couple MCOs 02
3. MCO Female (Single) 03
4. MCO Female (Pair) 04
5. MCO Female With VAF 05
6. MCO (Lending for Women) 06

RELATION CODES
1. Father 1
2. Mother 2
3. Husband 3
4. Wife 4
5. Brother 5
6. Sister 6
7. Son 7
8. Daughter 8
9. Others 9

RELIGION CODES
1. Muslim 1
2. Ahmadi 2
3. Christian 3
4. Hindu 4
5. Parsi 5
6. Sikh 6
7. Budhist 7
8. Others 8

SEX CODES
1. Male M
2. Female F
3. Not applicable N

19
 OCCUPATION CODES

1. Government Servants 01
2. Semi Government Servants 02
3. Agriculturist 03
4. Military Personnel 04
5. Police Officer 05
6. ZTBL Employee 06
7. Artisan 07
8. Other Applicants 08

STATUS OF BORROWER'S IN SOCIETY

1. M.N.A's/Ex-M.N.A's 51
2. M.P.A's/Ex-M.P.A's 52
3. Senators/Ex-Senators 53
4. Government Officers 54
5. Industrialist 55
6. Member of Board of Director of ZTBL 56
7. Member of Advisory Committee of ZTBL 57
8. Chairman of Joint Lending Group 58
9. Co-operatives 59
10. Partnership Firms 60
11. Company Public Limited 61
12. Company Private Limited 62
13. Semi Government Organization 63
14. Local Bodies 64
15. Trusts 65
16. Unspecified 66

AGPS CODES

1. Applicant A
2. Guardian G
3. Power of Attorney P
4. Surety/Guarantor S

20
 SECURITY CODES
------------------------------------------------------------------------------------------------------------
S.No. Description Qty to be Basis of Security
written Valuation Code
------------------------------------------------------------------------------------------------------------
1. Land

a. Agricultural Land Acres in Decimal Produce Index 101

(Pass Book) Units

b. Agricultural Land Acres in Decimal Market Rate 102

(Outside Pass Book) Capitalised/
Sale/Mutation

c. Vacant Sq.yards/ Mean of Cap/ 103

in Decimal Sale Mutation/
Appraised value

d. Lease-hold rights Acres in Decimal Appraised value 104

e. Agri-Land (Pass Book) Acres in Decimal Market Rate/ 105
Sale Mutation
2. Buildings

a. Buildings Sq.feets in Physical/Capi- 201

Decimal talised/(Mean
value)appraised
value
b. Other Fixed Assets Book Value 202

3. Hypothecation
a. Installed Machinery Leave Blank Appraised value 301
& Equipment

b. Machinery & Equipment Leave Blank Appraised value 302

created against ZTBL
Loans

c. Hypothecation of
Tractors No.of Tractors Appraised value 303

d. Hypothecation of No.of Tubewells Appraised value 304

Tubewells

e. Hypothecation of No.of Engine/ Appraised value 305

Marine Engine/Boats Boats

21
 f. Hypothecation of Acres in Decimal Appraised value 306
Sugar Cane Crop with of Sugar Cane Crop
Mill Guarantee

g. Hypothecation of " " 307

Sugar Cane Crop
without Mill
Guarantee

h. Hypothecation of " Appraised value 308

Cotton Crop with of Cotton Crop
Factory Guarantee

i. Hypothecation of " " 309

Cotton Crop without
Factory Guarantee

j. Hypothecation of " Appraised value 310

Maize Crop with of Maize Crop
Factory Guarantee

k. Hypothecation of " " 311

Maize Crop without
Factory Guarantee

l. Machinery/Poultry/ " “ 312

Eqp./appliances

4. Surety of Person

a. Surety of Person No.of Sureties Solvency of 401

Surety

5. Guarantee

a. Bank Guarantees No.of Guarantees Amount of 501

(Scheduled Banks) Guarantee Less
Margin (Unconditional)

b. Federal Government Leave Full amount of

Guarantee Blank loan Plus Return 502

c. Provincial Govt. Leave " 503

Guarantee Blank
d. Group Guarantee - 504

22
6. Deposits/Certificates/Shares etc.

a. N.I.T. Units No.of Units Face Value 601

b. Fixed Deposit Receipts No.of Receipts "
602
c. Deposit Certificates No.of Certificates " 603
d. Khas Deposit No.of Certificates "
604
Certificates
e. Defence Savings No.of Certificates " 605
Certificates
f. Insurance Policies No.of Policies Surrender value 606
of live policies
g. Government Bonds/ No.of Bonds Face value less 607
Securities Margin
h. Gold/Gold Ornaments Value fixed by 608
Bank

7. Pledge of Agricultural Commodities

a. Pledge of Potato/ Weight in Maunds Market value/ 701

Potato Seeds Rs.20 Per Maund

b. Pledge of Paddy 702

LABOUR CODES

------------------------------------------------------------------------------------------------------------
LABOUR TYPE FAMILY PERMANENT CASUAL
LABOUR LABOUR LABOUR

1. Male 18 Years & Above F1 P1 C1

2. Male Under 18 Years F2 P2 C2
3. Female 18 Years & Above F3 P3 C3
4. Female Under 18 Years F4 P4 C4

23
 SCHEME CODES
(Old Codes – Not currently in use)

911 Second Barani area Development Project (Loan No. 257-PA).

912 Private Tubewell Development Project (Credit No. IDA-2004 (PK).

913 Punjab small Holders Dairy Development Project (loan No. 234-PA).

921 - Lending to Women (under ACP) (Loan No. 3226).

922 - Loans to Individual Members in Groups

(Under ACP).

923 - Lending to Non-Governmental Organizations (NGOs)

(Under ACP).

924 - Lending for Small Scale Enterprises (SSE) (Under ACP).

925 - Second Scarp. Transiteen Project (Credit No.IDA 2275-PAD).

926 - Rehabilitation of farmers in Sindh Province.

928 - Return free loans in the flood affected areas(spot loaning 1992).

929 - Return free loans to the allottees of katcha areas.

941 - NWFP Barani Area Development Project

(ADB-Loan No.1179-PAK(SF).

949 - Input loans in flood affected areas - 1994.

951 - Mansehra Village Support Project (M.V.S.P.).

961 - Prime Minister's Self Employment Programme.

971 - Advances to the allottees of katcha area of Sind.

972 - Emergency Loaning - 1997.

973 - Loaning from Commercial Bank Funds.

981 - Tractor on reduce price in Punjab Province

24
(Existing Codes –Currently in use)

982 - One Window Scheme Production Loans for Rabi Season

991 - Tractor on reduce price in Baluchistan Province

992 - One Window Scheme Production Loans Kharif Season

993 - Tractor Loan under Prov. Govt. subsidiary Scheme 1999-2000

011 - Production of Improved Seeds

031 - Crops Maximization Projects (MINFAL/Government)

071 - White Revolution Scheme (Partnership between ZTBL & PDDC)

072 - Red meat Financing for sheep/goat rearers

073 - Sairab Pakistan Scheme

074 - White Revolution Scheme (partnership between ZTBL & M/s Nestle
Pakistan Ltd

801 - Disbursement allowed to SAM and badly Recovered borrowers.

25
 CROP CODES

RABI CROPS (Winter/Spring)

1. Wheat 101
2. Gram 102
3. Tobacco 103
4. Potatoes 104
5. Soyabean 105
6. Sunflower 106
7. Saflower 107
8. Other Oil Seed Crops 108
9. Pulses 109
10. Onion 110
11. Minor Crops 111
12. Multi Cult Fooder 112
13. Seasonal Vegetables 113
14. Off Seasonal Vegetables 114
15. Input Loan for Orchard/Floriculture Nursery 115
16. Sugarcane 116
17. Maize 117

KHARIF CROPS (Summer/Fall)

1. Cotton 201
2. Sugarcane 202
3. Rice (Paddy) 203
4. Maize 204
5. Jawar 205
6. Bajra 206
7. Minor Crops 207
8. Multi Cut Fooder 208
9. Seasonal Vegetables 209
10. Off Seasonal Vegetable 210
11. Input Loan for Orchard/Floriculture Nursery 211
12. Potatoes 212

ORCHARD CODES

1. Apple 301
2. Mango 302
3. Citrus 303
4. Banana 304
5. Orange 305
6. grapes 306
7. Pomegranate 307
8. Chicko 308

26
9. Falsa 309
10. Loquat 310
11. Figs 311
12. Litchi 312
13. Coconut 313
14. Dates 314
15. Stone Fruit 315
16. Guava 316
17. Other Orchard 317
18. Palm Oil 318
19. Betel Leaf 319
20. Olive Oil 320

TRACTOR H.P. CAPACITY AND MAKE CODES

---------------------------------------------------------------------------------------------------------
S.No. Make/Model of Tractor H.P. Make Code
---------------------------------------------------------------------------------------------------------
1. MT-30 30 01

2. MF-240 50 02

3. MF-260 60 03

4. MF-375 (Power Steering) 75 04

5. MF-385 85 05

6. MF-385-4WD 85 06

7. FIAT- 480 55 07

8. FIAT Ghazi 65 08

9. FIAT-640 75 09

10. FIAT-640 (Special) 85 10

11. BELARUS-(MTZ(Imported) 55 11

12. LG 400-D LT 4 WD 40 12

13. UNIVERSAL U-640 (Power Steering) 65 13

14. UNIVERSAL U-530 (standard) 53 14

27
15. HEBEL-150 DA 15 17

16. SHANGHAI SH-500 50 18

17. Universal-530 (Plus) 53 19

18. Universal U-683 (Shahbaz Power Steering) 83 20

19. Farmtrac FT-45 50 21

20. “ FT-60 (Power Steering) 55 22

21. “ FT-70 -do- 65 23

22. Belarus-520 62 24

23. Belarus-801 81 25

24. Belarus-1005 105 26

25. Belarus-501.1 57 27
(with additional equipment)

26. Belarus 80.1 (with unified cabin) 81 28

27. Dewan Fotan 55 29

28. Dewan Fotan DF-650 65 30

29. John Deer (JD-720) 72 31

30. “ JD-724 (4WD) 72 32

31. “ JD-804 (4WD) 80 33

32. “ JD-904 (4WD) 90 34

33. Euro F-5880 80 35

34. Hero Russi-505 55 36

35. “ “ “ -500 50 37

28
MAKE CODES FOR TUBEWELLS
S.NO. Description Capacity Make Codes

1. Diesel Engine 0.25 01

2. " 0.50 02
3. " 1.00 03
4. " 1.25 04
5. " 1.50 05
6. Electric tubewell 0.25 06
7. " 0.50 07
8. " 1.00 08
9. " 1.25 09
10. " 1.50 10
11. Diesel Turbine 0.25 11
12. " 0.50 12
13. " 1.00 13
14. " 1.25 14
15. " 1.50 15
16. Electric Turbine 0.25 16
17. " 0.50 17
18. " 1.00 18
19. " 1.25 19
20. " 1.50 20

NREA CODE

1. New Loans N
2. Loan for Replacement of Tractor/Tubewell R
3. Loan for Other Purposes Already Established E
4. Additional Loan A

29
 GROUP CATEGORY CODES

1. Single Group Unit(SGU) 1

2. Joint Liability Group(JLG) 2
3. Other Group 3

TYPE OF GROUP CODES

1. Men's Joint Liability - Landless 1

Groups - Tenants 2
- Land Owners with 3
6.25 acres or less
of irrigated land
or 12.5 acres or
less of barani land.

2. Women's Joint Liability - Landless 4

- Land Owners with 5
6.25 acres or less
or irrigated land
or 12.5 acres or
less of barani land.
- Small Scale
Enterprise Teams 6
3. Men's and/or Women's - Individuals with 7
Marketing Group common marketing
needs

DEVELOPED BY SOURCE

1. ZTBL Developed 1
2. NGOs Developed 2
3. Others 3

NGO CODES
1. FAO/UAF 1
2. Agha Khan Rural Support Program 2
3. Others NGOs 3

30
 TRANSACTION CODES
DISBURSEMENT
1. Disbursement 01

OTHER CHARGES
2. Insurance 02
3. Legal Charges 03
4. Other Charges 04

INTEREST/RETURN
5. Annual Interest/Return 05
6. Compulsory/Other Interest/Return 07

INTER BRANCH TRANSFER OF LOAN A/C

(Transfer of Loan A/C from One Branch/
Region to another Branch/Region)

7. Loan A/C transferred to other Branches 08

8. Loan A/C transferred from other Branches 09
9. Loan A/C transferred to other Regions 10
10. Loan A/C transferred from other Regions 11

CHANGE OF G.L HEAD WITHIN SAME LOAN CASE

11. Creation of New GL Head in an existing

Loan case No. (Debt) 12
12. Deletion of Old GL Head in same Loan Case(Credit) 13

RECOVERIES

13. Recovery without efforts of Bank Staff

or Revenue Authorities 14
14. Recovery with efforts of Bank Staff 15
15. Recovery with efforts of Revenue Authorities 16

REMISSION/WRITE OFF

16. Remission of Interest 17

17. Loans written off at loanee's request 18
(Not to be transferred to Doubtful Loan Ledger)
18. Loans Charged off 19
(to be transferred to SAM Assets Management)

31
19. Write Off (to be claimed from Govt.) 20
20. Recovery of cases upto Rs.50,000/- under 21
P.M. incentive scheme.
21. Recovery of cases upto Rs.100,000/- under 22
P.M. incentive scheme.
22. Remission under Relief Package 2003 23
23. 3% rebate in the Interest Rate for in time payment of second 24
installment

EXPENSES CODES

1. Expenses of Branch 01
2. Expenses of Region 02
3. Expenses of Head Office Units 03

REVERSAL CODES

1. Reversal Code for adjustment of U

unadjusted entries
2. Reversal Code for Other Adjustments R

CODES FOR REVISION/REFIXATION/RESCHEDULEMENT

OF INSTALMENTS
1. Revision/Refixation of installments R

2. Reschedulement of installments due to Natural

Calamities N

3. Reschedulement of installments due to reasons

other than Natural Calamities. O

4. Refixation/Reschedulement of installments
of working capital loans W

5. Fully Matured Cases F

6. Partial Matured Cases P

SAM

1. Identify Transaction for SAM Loan S

32
 LIST OF GL HEADS

NAME OF ACCOUNT G.L.HEAD NO.

Capital 1000**

Capital (PIBS) 1001*

Capital (IBS) 1002*

Reserve Fund 1500**

General Reserve 1501*

Statutory Reserve 1502*
Surplus/Deficits on revaluation of securities 1504*
General Reserve 1505*
Surplus/Deficit on Revaluation of Mutual Funds 1509

Provisions 1700**

Provision for bad & doubtful debts (NPLs) 1710*

Provision for Investment 1711*
Provision for other Assets 1714*
General Provision for loans identified by Portfolio Audit 1715*
Provision for taxation 1717
Provision for advances to employees’ 1718
Provision for building insurance 1719*
Relief against principal amount in Baluchistan 1720
Provision for Cash Insurance 1721
Provision for Vehicles Insurance 1722
Accumulated Amortized Cost (FIBS) 1723
Accumulated Amortized Cost (PIBS) 1724
Provision for Fixed Assets 1727

Deposits 2100**

Current Accounts 2101

PLS Savings Accounts 2102
Current Deposit Accounts Federal Govt. 2103
Current. Deposit Accounts Provincial Govt 2104
PLS Deposit Account Federal Government 2105
Business Deposit Account Federal Government 2106
PLS Deposit Account Provincial Government 2107
Business Deposit Account Provincial Government 2108
Basic Banking Account (BBA) 2109
Deposit at call 2110
PLS Term Deposit Account (Escrow) 2112
Matured Profit & Loss Sharing Term Deposits. 2113
Return accrued on profit & loss sharing term deposit. 2114
Business Deposit Account 2115
Unclaimed Deposit Accounts 2116
Short notice account for 7-29 days 2117
Short notice account for 30 days & above 2118
PLS Term Deposit Accounts for 3 months 2119

33
PLS Term Deposit Accounts for 6 months 2120
PLS Term Deposit Accounts for 12 months 2121
PLS Term Deposit Account for 24 months 2122
PLS Term Deposit Account for 36 months 2123
PLS Term Deposit Account for 48 months 2124
PLS Term Deposit Account for 60 months 2125
PLS Term Deposit Accounts for borrowers 2126
Provision for return accrued on PLS Savings Account. 2127
Provision for return accrued on business deposit account 2128
Sada Bahar Deposit account. 2130
Zarai Bachat Account 2131
Zarai Term Deposit Certificate 2132
Enhanced Saving Account 2133
Short Term Deposit Scheme (MM) A/c. 2134
Security Deposit of Staff 2140

Borrowings 2500**

Borrowings from SBP 2501*

Borrowing from SBP under Islamization (Return free) 2502*
Borrowings from State Bank of Pakistan under Islamization (PLS) 2503*
SBP Subordinated debt 2505*
Borrowings from other banks 2511*
Amount payable to MINFAL under Japanese KR-II scheme 2580*
MINFAL 2582

OTHER ACCOUNTS 3000**

Drafts Payable Account 3001

Payment Orders issued Account 3002
T.T. Payable Account 3003
Dividend Payable 3004*
CZF Collection Account ( Other Account) 3005
CZF Account for voluntary 3006
Profit payable on ZBA 3007
DD Payable account for ZBA/ ZTDC holders 3008
CZF Collection Account (Savings) 3009
Unclaimed dividend 3010*
Profit Payable on SBP (PLS) Borrowing 3011*
Excise Duty payable Account 3013
Revolving Fund for CMP 3016
Interest payable on SBP borrowings 3017*
Amount received from F.Govt. For GHSS 3018*
Contributory provident fund (SR-2005) 3019
Contribution towards Gratuity Fund (SR_2005) 3020
Contribution towards BF (Officer) Fund (SR-2005) 3021
Unrealized Income of cases of SAM Portfolio eligible for
Recovery Relief Package 2006 3023
Unrealized mark-up income of Non performing Loans eligible
for Recovery Relief Package 2006 3024
Profit payable on ZBA 3025
Profit payable on ZTDC 3026
Profit Payable on enhanced saving accounts 3027

34
Profit payable on short term Deposit (MM) Account 3028
Insurance premium of dairy animals & other charges payable
to Insurance Company 3029

Sundry Deposit Account (3051 – 3087) 3050 **

Tax deducted at source from SMT 3057

President Relief Fund for Earth quake Victim,2005 3088
Flood Relief Account NWFP 3089
Financial Aid to the people of Sindh & Balochistan 3090
OTHER LIABILITIES (AS PER CONTRA) 3500 **

Liabilities in Former East Pakistan 3501*

Provisional Mark-up on ADBP Central Account payable
to Head Office 3502
Head Office items in Transit 3519*
Provision for employees compensated absences 3520*
Provision for post retirement medical benefit 3521*
Relief on return in Balochistan 3523 *
Provision for Revenue Expenses 3524*
RFSD 2nd Generation Imprest Account 3525*
Deferred income (Grant for SMT) 3526*
Advance recovery under SBS 3527*
CLDP Vehicle Compensation Fund 3528*

CASH IN HAND AND WITH BANKS 4000 **

Cash in Hand 4001

Cash with SBP (Principal i.e. SBP Karachi) 4002
Cash with National Bank of Pakistan 4003
Cash with Habib Bank 4004
Cash with United Bank 4005
Cash with Allied Bank 4006
Cash with Muslim Commercial Bank 4007
Cash with Bank of Punjab 4008
Cash with IDBP 4009
Cash with Bank of Khyber 4010
Cash with Askari Commercial Bank Ltd. 4011
* Special Cash Deposit Account with SBP 4012
Cash with private Banks 4013
Cash with SBP other offices 4014
MONEY AT CALL & SHORT NOTICE 4200 **
Cash with National Bank 4203
Cash with Habib Bank 4204
Cash with United Bank 4205
Cash with Allied Bank 4206
Cash with Muslim Commercial Bank 4207
Cash with Bank of Punjab 4208
Cash with IDBP 4209
Cash with Bank of Khyber 4210
Cash with Askari Commercial Bank Ltd. 4211
Cash with National Savings Centre 4212*
Cash with Bank Alfalah Limited 4213
Cash with Union Bank Limited 4214

35
Cash with Saudi Pak Commercial Bank Limited 4215
Cash with Bank Al-Habib Limited 4216
Cash with Soneri Bank Limited 4217
Cash with Citi Bank 4218
Cash with PICIC Commercial Bank 4219
Cash with Prime Commercial Bank 4220
Cash with KASB Bank 4221
Cash with My Bank 4222
Cash with Pak Oman Investment Company. 4223
Cash with Pak Kuwait Investment Company. 4224
Cash with Saudi Pak Inds. & Agri. Company. 4225
Cash with Askari Commercial Bank. 4226
Cash with NIB Bank. 4227
Cash with Atlas Bank 4228

INVESTMENT FEDERAL AND PROVINCIAL GOVERNMENTS 4300 **

Federal Investment Bonds (Encumbered) 4301

Federal Investment Bonds (Unencumbered) 4302
Pakistan invest.Bonds-3 years maturity 4306
Pakistan invest.Bonds-5 years maturity 4307
Pakistan invest.Bonds-10 years maturity 4308
Pakistan invest.Bonds-15 years maturity 4309
Pakistan invest.Bonds-20 years maturity 4310
Treasury Bills-3 moths maturity 4312
Treasury Bills-6 moths maturity 4313
Treasury Bills-12 moths maturity 4314
Revaluation of Govt. Securities 4322
INVESTMENT-DEPRECIATION INVESTMENT ACCOUNT 4400**

INVESTMENT - OTHERS 4450**

Investment in share capital of PASSCO Ltd. 4451*

Investment in share capital of Milk Pak Ltd. 4452*
Investment in share capital of Saudi- 4454*
Pak-Kalabagh Livestock Company Ltd.
Investment in share capital of M/s Uqab 4455*
Investment in share capital of M/s Dada 4456*
Bhoy Agri. Leasing Company Limited.
Investment in share capital of 4457*
M/s Mubarik Dairies Ltd.
Investment in share capital of M/s Larkana Sugar Mills 4460*
Revaluation of Quoted Shares 4461
Revaluation of other Securities 4462
Investment in share capital of "National
Commodity Exchange Limited" 4463

INVESTMENT WITH BANKS 4470**

Investment with Pak Kuwait Investment Co. 4471*

Investment with Saudi Pak Industrial & Agri. Investment Co. 4472*
Investment with PICIC 4473*

36
Investment with Pak Oman Investment Co.Ltd. 4474*

INVESTMENT-LONG TERM 4500**

Investment in Kissan Suport Services (Pvt) Ltd. 4501

INVESTMENT IN MUTUAL FUNDS 4550

Investment in Mutual Funds of National Fullerton

Asset Management Ltd. Karachi 4551
Revaluation of Mutual Funds 4552

INVESTMENT-LONG TERM 4700**

National Investment Trust 4702

Premium Deposit Certificate 4704

STOCK OF BONDS,STAMPS AND CERTIFICATES 4900 **

Prize Bonds for denomination of Rs.200/- 4901

Prize Bonds for denomination of Rs.750/- 4902
Prize Bonds for denomination of Rs.1500/- 4903
Prize Bonds for denomination of Rs.7500/- 4904
Prize Bonds for denomination of Rs.15000/- 4905
Prize Bonds for denomination of Rs.40000/- 4906
Stamps in Hand 4920
Defence savings certificates in Hand 4930
LOANS 5000 **

Long term (Foreign currency project) 5571**

Medium term (supervised credit) 5701**

FINANCING UNDER IBS GENERAL LOANING 9000 **

Short term-Farm Credit 9001**

Short Term-Non Farm Credit 9101**
Medium Term - Farm Credit 9201**
Medium Term - Non Farm Credit 9301**
Long Term-Farm Credit 9401**
Long Term-Non Form Credit 9501*
Short Term - Micro Credit 9601**

Project loaning

Short term 9801**

Long term 9901**

ADVANCES 5900 **

Advances to staff conveyance 5901

Advances to staff House building 5902
Advances to staff Miscellaneous 5903

37
Advances to Trust Fund-Officers 5904
Advances to Trust Fund-Staff 5905

ADVANCES TO STAFF (IBS) 5910 **

House Building Advances 5912

Other Advances 5913
Motor Car Advance 5914
Motor Cycle advance 5915
Bicycle advance 5916
Rain Advance (Mark up Free) 5917
Personal Loan to Officers (Optees) 5918
Personal Loan to Clerical Staff 5919
Personal Loan to Non Clerical Staff 5920
Personal Loan to Officers (Non Optees) 5921
HBA to Officers (Optees) 5922
HBA to Officers (Non Optees) 5923
HBA to Clerical Staff 5924
HBA to Non Clerical Staff 5925
Motor Car Advance to Officers (Optees) 5926
Motor Car Advance to Officers (Non Optees) 5927
Motor Cycle Advance to Officers (Optees) 5928
Motor Cycle Advance to Officers (Non Optees) 5929
Motor Cycle advance to Clerical Staff 5930
Motor Cycle advance to Non Clerical Staff 5931
Rain Advance (Mark up Free) to Officers (Optees) 5932
Rain Advance (Mark up Free) to Officers (Non Optees) 5933
Rain Advance (Mark up Free) to Clerical Staff 5934
Rain Advance (Mark up Free) to Non Clerical Staff 5935

LAND AND BUILDINGS 6000 **

Advances for work in progress 6001

Work in progress 6002
Revaluation of land & building 6004*
Land (free hold) 6005
Land (lease hold) 6006
Building on free hold land. 6007
Building on lease hold land. 6008

STOCK IN HAND 6100 **

Marine engines and spare parts 6101*

Goods in transit (Awami Tractors) 6102*
Awami Tractors & spare parts 6103*
Stock Combine Harvesters under Japanese KR-II Scheme 6105*
Stock attachment/spare parts under Japanese KR-II Scheme 6107*

FURNITURE, FITTINGS, EQUIPMENT AND VEHICLES 6200**

Motor Car and other vehicles 6201

Revaluation of vehicles 6202*
Cars under (CLDP) 6203

38
Furniture and fittings 6220
Office equipment 6221
Office machinery 6222
Electric installations 6223
Gas appliances 6224
Clinical equipment 6225
Computer equipments 6230
Computer Software (intangible Asset) 6231
Electric Water Cooler 6232
Intercom System 6233
Farm machinery and equipment (Research Farm) 6238
Machinery & Equipment for forestation 6239*
Air-conditioning plant 6245
Elevator (Lift) 6249
Others 6250
Items purchased under furnishing limit 6251
Security Equipments 6254
Telephone Exchange 6255
Refrigerator 6256
Lockers & Safe Vaults 6257

OTHER ASSETS 6300 **

Assets in Former East Pakistan 6301*

Stationery stock Account (Printed Sty) 6302
Accruals and Pre-payments 6303
Rent Advances for Hiring of Buildings 6304
Security Deposits 6305
Interest receivable on advances to staff 6306
for conveyance Adv:
Interest receivable on advances to staff 6307
for House Building Advance
Stationery stock account-Table stationary 6312
Stationery stock account-Computer tapes & stationary 6313
Advances for purchase of machinery & equipment 6314*
Goods in Transit Account under foreign credits 6319*

Suspense Account Control Account (6321,6322,6324,6325, 6327,6332 & 6333) 6320**

Legal charges recoverable on suits filed in the Court 6328

Return/Interest waived off recoverable from the Federal Government for loans upto Rs. 50,000/- 6329
Return receivable on advances to employees for purchase of conveyance 6336
Return receivable on advances to employees for House Building 6337
Turn over tax recoverable from CBR 6340*
Waiver of 50% Mark-up/Interest on loans 6341
Provisional Interest/Return on loan accounts. 6345
Provisional Interest on advances to employees. 6346
Provisional Mark-up/Return on funds borrowed
from Head Office/Branches. 6347
Stationery Stock Account (security documents
i.e. Cheque Books, DDs & Pay Orders). 6348
SBP Penalties 6349*

39
Constituent Liability for acceptance 6354*
Pension Fund Payable/Recoverable 6356*
Gratuity Fund Payable/Recoverable 6357*
Benevolent Fund - Officer Payable/Recoverable 6358*
Benevolent Fund-Clerical/Non Clerical Payable/Recoverable 6359*
Accrued interest on loans (PIBS) 6361
Accrued mark-up on loans (IBS) 6362
Assets (Land,Building etc) acquired in Satisfaction of claims. 6363
Amount recoverable from Federal Government. 6364
Kissan Support Services (PVT) Ltd. 6367
Commutation paid to Bank employees under rules,2005 6370
Profit accrued from Treasury Banks 6371
Profit accrued from other Commercial Banks 6372
Profit accrued on Government Securities 6373
Profit accrued on Other Investment 6374.
Accrued Income (Interest and DISB) 6375
Recoverable from Federal Government- on Account of Recovery
Relief Pacakage,2006 6376
Recovery Relief Package,2007 for Tharparkar, Umerkot & Badin District 6378

INCOME TAX ACCOUNT 6400**

Income tax deducted at source 6401*

Amount adjustable/recoverable from tax Deptt. 6402*
Withholding Tax on encashment of Government Securities 6403*
Quarterly Advance Tax under Section 147 of Income Tax Ordinance, 2001. 6404*
Deferred Tax Asset/Liability 6405*
Deferred expenditure under GHSS-97 6500**
Three month basic pay 6501*
50% commutation of pension 6502*
100% commutation of pension 6503*
leave encashment 6504*
Medical 6505*
Benevolent fund 6506*
Utilities i.e. P.O.L telephone & others 6507*
Payment under GHSS against PPOs 6508
Receivable against Pension Fund 6509
Receivable against Benevolent Fund 6510

Profit/Loss General Account 6900

ZTBL Central Account 6950**

Mark up on ZTBL Central Account 6951

Profit/Loss transferred to Head Office 6952
Old entries as on 31st December, 2000 in ZTBL Central Account 6953
Remittances 6954
Demand Drafts 6955
Transfer of Expenses of Head Office units 6956
Other expenses on behalf of Head Office 6957
Expenses of Zonal Office. 6958
Deductions from pay roll 6959

40
Deduction of Zakat 6960
Transfer of Cost of Dead Stock/Equipments 6961
Transfer of cost of vehicles 6962
Transfer of Employees Advances (HBA/Conv.Advance). 6963
Inter Branch Transfer of Loans 6964
Inter Branch Transfer of Loan Recovery 6965
Transfer of Expenses on Training 6966

Transfer of cost of stationery 6967

Expenses on transfer TA 6968
Miscellaneous. 6969
Fund under Crop Maximization Project 6971
DD issued account for ZBA/ZTDC 6972

Profit and Loss Income Account 7000**

Profit and Loss expenses account 8000**

Income 7000**

Interest received on loans 7001

Loans monitoring fee 7002
Application fee 7010
Sale proceeds of forms 7012
Technical Assistance fee 7013
SAM Income Account 7020
Interest on investments 7030
Commission on remittances 7040
Commission on bills for collection 7041
Commission on agency operation 7044
Commitment charges of project loans 7048
2% recovery charges 7050
Commission on letter of credit 7053
Telex charges on letter of credit recovered 7054
Stationery charges on letter of credit recovered 7056
Interest on deposits at call & short notice account 7061
Interest on fixed deposits 7062
Interest on advances to staff 7063
Interest on other advances 7064
Rent received 7065
Postal charges recovered from loanees 7066
Miscellaneous 7070
Income from agricultural demonstration farm 7071
Gain on disposal of Motor Cars and other vehicles 7073
Gain on sale of motorcycles 7075
Income against private use of vehicles 7076
Dividend Income 7077
Amortization of Deferred income (Grant for SMT) 7078
Employees compensated absence (Income Account) 7079
Post Retirement Medical Benefits 7080
Services charges for joint registration of Tractors 7081

41
INCOME (IBS) 7100**

Mark-up 7103
Hire purchase 7105
Mark-up on loans under CMP 7106
Return on advances to staff 7113
Return on other advances 7114
Rental Income of Lockers 7115
Return on funds lent to HO/Branches 7118
Charges received on issue of demand draft 7119
Commission realized from Sairab Pakistan Scheme 7120
Renewal Charges under Sada Bahar Scheme 7121
Income from Investment in Mutual Funds 7122

INCOME FROM SERVICES RENDERED TO KSSL 7150**

Rent from KSSL 7151

Income from Accounting Services rendered to KSSL 7152
Income from Communication Services rendered to KSSL 7153

EXPENSES 8000**

INTEREST ON DEPOSITS AND BORROWINGS 8001**

Return paid on security deposits of staff 8005

Interest paid to State Bank of Pakistan 8010*
Return paid to other banks 8011*
Profit paid on employees provident fund 8017
Profit paid on employees General Provident Fund 8018
Commission and other charges paid 8040
Commission & other charges on recovery of bank dues 8041
Constituency services & training for Agro- 8042*
Industries development under foreign loans
Tech. Assistance and Training (ADBP-Vth Project) 8044*
Consultancy service & overseas training under foreign loans 8045*
Expenses on Investment in Mutual Funds 8048

EXPENSES UNDER IBS 8050**

Amount of Relief Packages Written Off 8051

Return paid on borrowings (IBS) 8057
Loss on share account 8058
Amount Transferred to doubtful loan ledger(IBS) 8059
Remission of interest on loans (IBS) 8060
Bad Debts written off on the request of loanees (IBS) 8061
Profit on Zarai Bachat Account 8063
Profit on Zarai Term Deposit Certificate 8064
Profit paid on Enhanced Saving Account 8065
Profit paid on Short Term Deposit Scheme (MM) A/c. 8066

42
Amount transferred to doubtful loan ledger (PIBS) 8079
Remission of interest on loans (PIBS) 8080
Mark up on funds borrowed from HO/Branches (IBS) 8091
Return on profit & loss sharing term deposit (IBS) 8092
Return paid on PLS Savings Accounts (IBS) 8095
Return paid on Business Deposits Account 8096

SALARIES AND ALLOWANCES 8100**

Regional advisory committee members fee 8101

Pay of Officers 8102
Pay of clerical staff 8103
Pay of Non-clerical staff 8104
Pay and allowances of maintenance staff 8105
Monetized Salary to Senior Management (SEVP,EVP & Area Spl.) 8106
Monetized Salary to Middle Management (SVP,VP & AVP.) 8107
Monetized Salary to Lower Management (Officers & Sr.Officers) 8108
Bank contribution towards C.P.Fund Scheme-SR,2005 8109
Bank Subscription towards Gratuity Trust Fund Scheme-Rs,2005 8110
Dearness allowance officers 8120
Dearness allowance clerical 8121
Dearness allowance Non Clerical 8122
House allowance Officers 8123
House allowance clerical 8124
House allowance non clerical 8125
Conveyance allowance officers 8126
Conveyance allowance clerical 8127
Conveyance allowance non-clerical 8128
Transport maintenance allowance officers 8129
Transport maintenance allowance clerical 8130
Transport maintenance allowance non-clerical 8131
House Rent allowance/ceiling for retired 8132
Petrol ceiling of the Executive 8133
Reimbursement of cost of drivers to entitle executives. 8134
Washing allowance non-clerical 8135
Un-attractive area allowance officers 8136
Un-attractive area allowance clerical 8137
Un-attractive area allowance non-clerical 8138
Special duty allowance 8139
Incentive to Bank/KSSL employees for fetching ZBA 8140
Incentive to Bank/KSSL employees for fetching ZTDC 8141
Medical charges Officer 8143
Medical charges (Medicine) Clerical Staff 8144
Medical charges (Medicine) Non-clerical Staff 8145
Medical charges retired employees 8146
(medicine, consultation, test & hospitalization)
Entertainment charges (attached with posts, 8148
Divisional Heads/Director/RMs/Managers)
Other allowances officers 8149
Other allowances clerical 8150
Other allowance non-clerical 8151
Overtime allowance clerical (Excl.Driver) 8152
Education allowance 8153

43
Overtime allowance non-clerical(excluding driver 8154
Overtime allowance drivers 8155
Educational Stipend paid to the children of Officers (Optees) 8156
Educational Stipend paid to the children of Officers (Non Optees) 8157
Education Allowance paid to Clerical Staff 8158
Education Allowance paid to Non Clerical Staff 8159
Contribution to employees provident fund 8160
Contribution to leave salary of deputationist 8161
Contribution to employees pension fund 8162
Contribution to employees gratuity fund 8163
Contribution to employees benevolent fund 8164
Adhoc Relief to Executives (J.D's & above) 8165
Adhoc Relief to Officers (EAD's AD's & DD's) 8166
Adhoc Relief to Clerical (scale No. 4 to 7) 8167
Adhoc Relief to Non Clerical (scale No. 1 to 3) 8168
Awards to staff (Honorarium & Awards) 8170
Medical charges (Consultation/Pathological test etc.) Officer 8171
Medical charges (Consultation/Pathological test etc.) Clerical Staff 8172
Medical charges (Consultation/Pathological test etc.) Non Clerical Staff 8173
Medical charges (Hospitalization) Officer 8174
Medical charges (Hospitalization) Clerical Staff 8175
Medical charges (Hospitalization) Non Clerical Staff 8176
Incentive for recovery out of SAM Portfolio 8177
Expenses on liveries 8190
Allied charges to Officers 8191
Allied charges to Clerical Staff 8192
Allied charges to Non Clerical Staff 8193
Allied charges to retired Bank employees 8194
Wages to work charge/contract employees 8195

TRAVELLING EXPENSES 8200**

Inland traveling expenses on tour 8201

Transfer traveling expenses 8202
Training traveling expenses 8203
Foreign traveling expenses 8204

BONUS AND FEE 8300**

Bonus to officers 8301

Bonus to staff 8302
Directors fees and traveling expenses 8320
Auditors fees 8330*

RENT, RATES, TAXES, INSURANCE AND LIGHTING 8400**

Rent for office building 8401

Rent for residential accommodations 8402
Heating & electricity expenses 8403
Insurance charges (other then vehicles) 8404
Rates and taxes 8405
Insurance Premium Account – Buildings 8406
Insurance Premium Account – Cash 8407

44
Insurance Premium Account – Vehicles 8408

LAW CHARGES 8500**

Legal Charges 8501

SAM Expenses Account 8502

SERVICES FROM KSSL 8550**

Manpower Support Services from KSSL 8551

Janitorial Services from KSSL 8552
Photocopying Services from KSSL 8553
Mail Management Services from KSSL 8554
Sports Expenses by KSSL 8555

POSTAGE, TELEGRAMS, TELEPHONE & TELEX 8600**

Postage and telegrams 8601

Official telephones 8602
Telex/Fax 8603
Expenses on residential telephone 8604
Residential telephones charges for retired Bank employees 8605
ZTBL Web Site Paknet 8606
Data Connectivity Charges. 8607

CNICS and NICs online and offline verification Charges 8650**

CNICs Verification charges. 8651

Installation set up charges. 8652
Monthly Charges. 8653
Bulk verification in batches of NICs. 8654

STATIONERY, PRINTING AND ADVERTISEMENT 8700 **

Expenses on printed stationery 8701

Publicity and advertisement 8702*
Expenses on publications of periodicals and journals etc 8703*
Expenses on printing press 8704*
Expenses on Table Stationery 8705
Expenses on Computer Tapes & stationery 8706
Expenses on security documents i.e Cheque Books,
Demand Drafts & Pay Order. 8707
Cost of Security Documents for ZBA/ZTDC 8708
Cost of Printed Documents for ZBA/ZTDC 8709

DEPRECIATION AND REPAIRS 8800 **

Repair renovation and maintenance 8801

charges of Bank building/premises
Repairs of Bank's dead stock articles 8802
Maintenance charges of (hardware) 8804
Maintenance charges of (Software) 8805

45
Rental charges of (Software) 8806
Depreciation on Security Equipments 8807
Depreciation on Motor Car & Other Vehicle 8808
Depreciation on Furniture & Fixture 8809
Depreciation on Office Equipment 8810
Depreciation on Office machinery 8811
Depreciation on Electric Installation 8812
Depreciation on Gas appliances 8813
Depreciation on Clinical equipment 8814
Depreciation on Computer equipment 8815
Depreciation on Farm machinery of equipment 8816
Depreciation on Air condition plant 8817
Depreciation on Elevator (Lift) 8818
Depreciation on Telephone exchange 8819
Depreciation on Others 8820
Depreciation on Machinery & Equipment for a forestation 8821*
Depreciation on items purchased under furnishing limit 8822
Depreciation for building on free hold land 8823
Depreciation for building on lease hold land 8824
Diminution in value of investment 8825
Depreciation on Cars under (CLDP) 8826
Amortization/Depreciation of Computer Software (Intangible Asset) 8827
Depreciation on Electric Water Cooler 8828
Depreciation on Intercom System 8829
Depreciation on Refrigerator 8830
Depreciation on Lockers & Safe Vaults 8831

OTHER EXPENDITURE 8900 **

Hiring of transport 8901

Expenses on Registration, token, Insurance of Vehicle 8902
Education cases 8903
Losses on disposal of capital items 8904
Losses on cash/bonds etc. 8905
Books purchased for library 8906
Expenses on Newspapers and Periodicals 8907
Amount written off against recoverable 8908
from employees/ex-employees
Payment to Service provider for Driver hired on contract basis 8909
Payment to Service provider for Naib Qasid hired on contract basis 8910
Payment to Service provider for Sweepers hired on contract basis 8911
Janitorial/Cleaning Services 8912
Payment to Service Provider (Security Guards) 8913

SMT Expenditure Control Account (8914 to 8923) 8914**

Pre-joining medical expenses 8915

Remuneration 8916
Annual Leave Encashment 8917
International Travel Expenditure 8918
Domestic Travel Expenditure 8919
Miscellaneous Travel Expenditure 8920
Per Diem Allowance 8921

46
Re-Location Cost 8922
Contingencies 8923
Insurance, registration/taxes etc. of Car under (CLDP) 8924
Repair of Vehicle under (CLDP) 8925
Payment of stipend to the internees. 8927
Expenses on consumable articles 8928
Awards and donations 8950
Expenses on sports 8951
Expenses for CBAS 8952*
Entertainment charges (expenses incurred for
Board Members/Delegates/Guests etc). 8953
Donation to family of deceased officers
Equivalent to Group Insurance amount 8954
Hiring of Cash Transit Services 8955
Expenses on consultants 8956
Expenses incurred on Turkish Fiat Tractors 8957
Payment of clearing charges to NIFT 8958
Payment of fee to training institutions in Pakistan 8959
Miscellaneous expenses 8960
Conversion account 8961
Stamp duty and registration charges Reimbursed to employees 8962
POL expenses of vehicles 8963
Expenses on repairing of vehicles 8964
POL/Repair of vehicles for retired Bank Employees 8965
Expenses on Agricultural Research Farm 8966*
Repair of accidental vehicles 8967
Expenses on a forestation 8968*
Branches Licenses Renewal Fee 8969
Expenses of Banking Mohtasib Pakistan 8970
Club Membership Fee 8972
Provision Expense for Fixed Assets 8973
Disaster Recovery Cost 8974
Dispensary Medicines & consumable articles 8976*
Haj expenses 8977*
Payment to Pakistan Banking & Finance Services Commission/IBP/PBA 8978*
Membership fee paid to Foreign Agencies 8979*
Lecture Fee paid to Bank's/Guest speakers (In staff colleges of the Bank) 8980
Refreshment charges paid to offices (For late Hours workings) 8981
Rebate paid on repayment of prompt Install-
ment for tractors & implements loans 8985
Draw on Independence Day 8987*
Entertainment offered to retired employees/
Oath taking ceremonies & Eid Milan party 8988*
SBP Penalties 8989
Amortization of Deferred Income 8990*
GHSS Expenses 8991*
Employees compensated absence 8992*
Post Retirement Medical Benefit 8993*
Taxation 8994*
Provision for NPLs 8995*
Amortization of Preliminary expenses 8996*
Deferred Tax Expenses 8997*
Provision against Other Assets during the year 8998*

47
1% Rebate/reduction in mark-up. 8999

SUNDRY DEPOSITS 3050**

Down payment under SBP Relief Package 3051

Self Contribution for Turkish Fiat Tractor 3052
Un-earned rental income of locker 3053
Withholding tax @0.2% on cash withdrawals 3056
Staff Income tax payable 3058
Staff Professional tax payable to provincial Govt. 3059
Staff un-disbursed emoluments 3060
5%Federal Excise Duty 3061
Margin against letter of credit 3062
Unpaid matured fixed deposits 3063
Interest payable on fixed deposits 3064
Security deposit by sugar mills on behalf of defaulters 3065
Emergency loans 3067
Compulsory contribution to Tractors loans 3069
Compulsory contributions to Tube wells loans 3070
Compulsory contribution to other loans 3071
Miscellaneous 3072
Compulsory Contribution for Awami Tractor Scheme 3073
Insurance Premium on ATS 3074
Key Deposit for lockers 3075
Local Cost payable to suppliers 3076
Remuneration payable to SMT 3077
Unearned Rental Income 3078
Gratuity contribution payable to Gratuity Trust Fund 3079
Punjab Provincial Tax on Bank Cheques 3086
NWFP Provincial tax on bank cheques 3087
SUSPENSE ACCOUNT 6320 **

Traveling advances 6321

Advances against salary 6322
Advances against supply orders 6324
Advances for POL 6325
Advances to SMT 6327
Miscellaneous 6332
Advances paid to contractors 6333

Foreign Currency Project Loan Long Term 5571 **

Foreign currency loan for processing of dairy Products 5573

Foreign currency loan for livestock production and processing 5574
Foreign currency loan for poultry production and processing 5575
Foreign currency loan for fisheries production and processing 5576
Foreign currency loan for feed mills 5577
Foreign currency loan for food processing 5579
Foreign currency loan for seed multiplication and processing 5580
Foreign currency loan for processing of crops 5581
residue and agro. Industries wastes
Foreign currency loan for production of edible 5582
oil seed crops and oil extraction

48
Foreign currency loan for manufacturing of farm 5583
Machinery & agri: implements
Foreign currency loan for agro: services 5585
Foreign currency loan for Packing Material for Liquid and other foods 5586
Foreign currency loan for forestry plantation, 5588
their processing & Forest based Industries

SUPERVISED CREDIT EMEDIUM TERM LOANS 5701

Loans for dairy farming 5702

Other dairy farming loans 5703
Poultry farming loans for layer-chicks feed and medicines 5704
Other poultry loans 5705
Leveling of land 5706
Loans for terracing and Bund-making 5707
Loans for excavation and embankment 5708
Loans for spraying equipments 5709
Loans for lining of water channels 5710
Loans for inland fisheries (Pak-rupees) 5711
Loans for Jungle clearance 5714
Loans for Banana orchards 5715
Loans for plough cattle 5719
Loans for indigenous implements 5720
Loans for godowns and warehouses 5721
Live stock loans for beef purposes 5722
Loans for wells 5723
Loans for pumps 5724
Loans for tubewells upto 5 year (IDA-76-PAK) 5725
Other tubewells loans 5727
Loans for tractors attachment 5729
Loans for repair of tube wells 5735
Loans for bullocks carts 5736
Loans for sheep farming and sheep breeding 5740
Loans for bullocks in flood affected areas 5743
Loans for fertilizers 5753
Loans for repair of wells and Persian wheels 5754
Loans for marine fisheries (Pak-rupee) 5758
Loans for farm mechanization (IDA/IFAD-957-PAK) 5761
Loans for live-stock (IDA/IFAD-957-PAK) 5763
Loans for Motor Cycle 100-CC 5767
Loans for goat farming and goat breeding 5769

IBS GENERAL CREDIT G.L. HEADS

PRODUCTION LOANS

Short Term

FARM CREDIT 9001 **

Seed 9002
Seed (Revolving Credit) 9003

49
Fertilizer 9004
Fertilizer (Revolving Credit) 9005
Pesticides 9006
Pesticides (Revolving Credit) 9007
POL 9008
POL (Revolving Credit) 9009
Labour Hire & Other Expenses 9010
Vegetable 9011
Minor Crops 9012
Tea Nursery 9013
Marketing of Crops & Agri. Products 9014
Effective micro organism technology 9015
Irrigation Cost/Charges 9016
Irrigation Cost/Charges (Revolving Credit) 9017
Loans for inputs (SBS) 9018
Others (Revolving Credit) 9098
Others 9099

NON FARM CREDIT 9101 **

WC poultry 9102
WC poultry (Revolving credit) 9103
WC Dairy 9104
WC Dairy (Revolving credit) 9105
WC Milk Collection Kits 9106
WC Live Stock 9107
WC Inland Fisheries 9108
WC Marine Fisheries 9109
WC Agro Industry 9110
WC Process. & Preserve. of fruit & vegt. 9111
WC Food & Tobacco Products 9112
WC Textile & Clothing Products 9113
WC Leather & Leather Products 9114
WC Wood & Wood Products 9115
WC Bamboo, Cane & Related Products 9116
WC Chemical Products 9117
WC Non Metallic Mineral Products 9118
WC Metal Products 9119
WC Handi Craft Products 9120
WC Miscellaneous Products 9121
WC Miscellaneous Services 9122

WC Cottage Industries

Carpet Manufacturing 9123

Sewing 9124
Weaving 9125
Shoe Making 9126
Leather Goods 9127
Stone Craft 9128
Small Agri: business W/Shop 9129
Small Manuf: Enterprises 9130
Others 9131

50
WC Sericulture 9132
Micro Credit Short Term 9133
Working Capital for fruit grading/waxing units 9134
Marine Fisheries revolving credit 9135
WC for non farm items (SBS) 9136
WC Other Items 9199

MEDIUM TERM

Farm Credit 9201**

Open Wells 9202

Private M. Irrigation:-

Solar Energy Pumps 9203

Portable Lift Pumps 9204
Minor Dam 9205
Improvement of Irrigation Facility 9206
Land Development 9207
Tractor Implements 9208
Tractor Attachments 9209
Farm Equipments 9210
Farm Transport 9211
Drought Animals 9212
Orchards 9213
Bamboo Cultivation 9214

Repair of Machinery:-

Tubewells 9215
Tractors 9216
Others (including Boats) 9217
Oil Seed Thresher 9218
Drip irrigation system 9219
Sprinkler irrigation system 9220
Purchase of lazer 9221
Lazer leveling 9222
Scraper leveling 9223
Covered Horticulture/green houses 9224
Cut Flower 9225
Others 9299

NON-FARM CREDIT 9301**

Small Dairy Farming:-

Structure 9302
Milch Animals She Buffaloes 9303
Milch Animals Cows (Local) 9304
Milch Animals Cows (Improved) 9305
Milch Animals Cows (Imported) 9306
Equipments 9307
Poultry Farming (Equipments) 9308

51
Live Stock:-

Farming (Beef) 9309

Farming (Mutton) 9310
Farming (Others) 9311

Fisheries

Inland 9312
Marine 9313
Food & Tobacco Equipments 9314
Textile & Clothing Equipments 9315
Leather & Leather Equipments 9316
Wood & Wood Equipments 9317
Bamboo, Cane & Rel. Equipments 9318
Chemical Equipments 9319
Non-Matelic Mineral Equipments 9320
Metal Equipments 9321
Handi Craft Equipments 9322
Miscellaneous Equipments 9323
Misc. Services 9324

Cottage Industry Equipments

Carpet Manufacturing 9325

Sewing 9326
Weaving 9327
Shoe Making 9328
Leather Goods 9329
Stone Craft 9330
Small Agri. Business Work Shop 9331
Small Manufacturing Enterprises 9332
Others 9333
Animal Breeding/artificial insemination/ animal health care unit 9335
Chilling Unit 9336
Others 9399
DEVELOPMENT LOANS

LONG TERM

FARM CREDIT 9401**

Tractors

Tractor (Awami) 9402

Tractors (IDA) 9403
Tractors (Non-IDA) 9404

Tractor Implements

Primary Tillage 9405

Secondary Tillage 9406
Others 9407

52
Tractor Attachments

Tractor Drawn Sowing 9408

Tractor Drawn Harvesting 9409
Other Tractor Drawn 9410
Farm Equipments (Trolley etc) 9411
Threshers 9412
Sprayers 9413
Combine Harvester 9414
Tube wells 9415
Turbine 9416
Godown/Cold Storage 9417
Tea Plantation 9418
Orchards 9419
Combine Harvesters under Japanese KR-II Scheme 9420
Seed Processing unit under Japanese KR-II Scheme 9421
Turkish fiat tractor under Japanese KR-II Scheme 9422
Water De-salivation plants 9423
Cold Storage 9424
Others 9499

NON FARM CREDIT 9501**

Large Dairy Farming

Structure 9502
Milch Animals (Buffaloes) 9503
Milch Animals Cows (local) 9504
Milch Animals Cows (Improved) 9505
Milch Animals cows (Imported) 9506
Equipment 9507
Milk Chilling Centres 9508
Establishment Of Crimeries 9509
Pesteurization Plants 9510
Poultry Farming

Structures 9511
Equipments 9512

Fisheries

Inland 9513
Marine 9514
Bee Keeping 9515
Forestry 9516
Seed processing unit 9517
Others 9599

Short term - Micro Credit 9601**

Food processing. 9602

Textile & Clothing 9603

53
Leather & Leather Products 9604
Wood/cane products. 9605
Chemical products 9606
Pottery/Earthen ware. 9607
Metal Production. 9608
Handicraft production. 9609
General Services 9610
Farming 9611
Miscellaneous. 9612

PROJECT LOAN

SHORT TERM 9801**

WC Poultry 9802
WC Dairy 9803
WC Agro Industry 9804
Others 9805

LONG TERM 9901 **

Dairy Farm/Breed of M. Animal 9902

Processing of Dairy products 9903
Livestock Prod. & Processing 9904
Poultry Prod. & processing 9905
Fisheries Prod. & processing 9906
Feed Mills 9907
Fruit & Veg. prod. & processing 9908
Food processing 9909
Seed Multiplication & processing 9910
Com. Cult. of All Lucrative 9911
Processing of Crops Residual 9912
Production of edible Oil 9913
Storage & Marketing 9914
Manful. of F. Mach. & Agri. Impl 9915
Prod & Formal. of Ch. F. Input 9916
Agro Services 9917
Packing material for Liquids 9918
Prod. of Vet. Drugs/Vaccines 9919
Forestry Plantation 9920
Cotton Ginning 9921
Leather Tannery 9922
Irrigation 9923
Sugar Mills 9924
Textile Mills 9925
Others 9926

54