Ztbl Presentation

Presented By

• Misha Rehman M14BBA059• Iram Shahzadi M14BBA065• Arooj Fatima M14BBA069

Zarai Taraqiati Bank Ltd.

Presented To:Sir Riaz Ahmad MianM.com (Pb), M.B.A(Pb)

Dedicated to LATE Prof. Dr. Khawaja Amjad Saeed

And to The 1st president of ZTBL

Abdul Jaleel Nishtar

History Pakistan is a country which depends up to 66% on its agricultural

department. In 1951 there was a agriculture sector which couldn’t meet its basics. In 1961 Agricultural Development Bank of Pakistan established. Agricultural Development Finance corporation and ADB were similar

and both were working with the capital provided by govt. they were merged into organization known as ADBP on Feb 18 1961.

On 14 Dec 2002, has converted the ADBP into ZTBL. After this incorporation all the assets & the liabilities of ADBP

became the assets & liabilities of ZTBL.

Mission

To play effective role in the promotion of economic growth, by enhancing the availability to the agricultural sector through reliable access to sustainable financing. Special lending programs, technical assistance and other products and services, and to promote career development

opportunities for increasing professionalism.

Vision

To meet the needs of the farming community by delivering financial products and technical services on a competitive and sustainable basis in a convenient efficient and professional manner leading to the success of the bank and the farmers.

Objectives Develop and operate as a financially and

operationally sustainable R.F.I of the country. Assist rural community, particularly the small

farmers, in raising their productivity and income levels through timely delivery of credit, advisory and ancillary services.

Build ZTBL's image as a proactive, client friendly, financially & operationally sustainable with indigenous product deployment.

Overview Of ZTBL

Ownership: Government Type: Specialized Established: 1961 Chairman: Syed Yawar Ali Acting President: Syed Talat Mahmood Total employee: 5,326 Zonal Offices: 32 Audit Zone: 9 Branches: 416 Credit Rating: AAA/A-1+

Head OfficeIslamabad

Board Of Directors

Syed Yawar Ali Chairman

Syed Talat Mahmood President/CEO

Mr. Mehboob Hussain Company Secretary

Board Of Directors

Mr. Zia-ul-Mustafa Director

Mr. Mohsin Aziz Director

Mr. Abdul Bari Director

Mr. Asif Sharif Director

Mr. Saeed Ahmad Director

Mr. Majyd Aziz Director

Management

Agriculture Technology Department Agri. Technology Department decided to establish

a farm. ZTBL farm development work started in the year

1985. The basic objective of establishment of ZTBL

training farm is training of innovative viable agricultural technologies to our trainee mobile credit officers apart form the farmers, students from agricultural universities and other visitors do come to gain knowledge about latest developments in agricultural.

Subsidiary The ZTBL has one subsidiary which is known

as the “Kissan Support Services Limited”.

It was incorporated as owned subsidiary of the ZTBL that function independently effective from 1st January 2006.

The KSSL has an authorized capital of Rs.100 million. Its aim is to provide a support to the management of the ZTBL.

Kissan Support Services Limited

The purpose for establishing this subsidiary was to outsource Bank’s noncore activities which include:

Sports Security Services Provision of man power (Clerical & Non-Clerical Staff) Janitorial Services Canteen Maintenance

Services

Sports Security Services Administrative services Provision of man power

Products

Treasury Deposit Schemes Loan Schemes Hajj Applications Locker Facility Home Remittance

Treasury

The Treasury Division of ZTBL was formally established on May 08, 2012 after the approval of Board of Directors (BOD).

The main objectives are to maintain sufficient liquidity for the bank to honor its commitments as they fall due.

To maximize overall return on managed

assets.

Deposit Schemes Current Account PSL- saving Account Business Deposit Account (Special Account A/C) Rozana Bachat Account (Special Account A/C) Basic Banking Account PSL- Term Deposit Zarai Munafa Term Deposit Certificate (ZMTDC) MINFA Revolving Fund Deposit A/C (MRFDA) MINFA Special Saving Deposit A/C (MSSDA)

Loan Schemes Zarai Taraqiati Bank Limited (ZTBL) is a specialized

bank providing agricultural credit in rural areas of the country. Pakistan is an agricultural country and near about 60% of its population is working directly or indirectly related to agriculture industry

instead of being an agricultural country Pakistan is still not gaining benefits from this sector which it can gain.

Production Loan Schemes. Development Loan Schemes. Other Schemes.

Production Loan Schemes

Development Loan Schemes

Development Loan Schemes

Development Loan Schemes

Other Schemes

Hajj Applications

There was no Islamic service in ZTBL.But Now ZTBL introduced Hajj Application to create good relationship with their customers by providing this service.

Home Remittance

ZTBL Now offer Western Union (Home Remittance Service) for ZTBL and other walk in customers in 222 branches.

Locker Facility

• Now Zarai Taraqiati Bank is also facilities its customers by providing locker facility to them.

• Initially, this facility is offered in 12

branches.

Financial Statement sept.30 2014(un-audited)

Particulars Amount

Total Assets 151,176,841

Total Liabilities 115,865,664

Net Assets

35,311,177

Net Profits

15,775,425

Swot Analysis

Strengths

ZTBL has a brand name in agriculture, it`s 1st and large bank in Pakistan for agricultural financing .

ZTBL has no competitors in the market, some banks started lending facility for agri. business but due to lack of efficient team of MCOs those banks had to suffer heavy loss.

In Pakistan, majority of the farmers is poor that’s why farmers are required to get loan from the bank so ZTBL has a very vast market to operate in.

Weakness

In spite of the presence of technology many jobs are done manually.

Most of the employees even seniors managers are computer illiterate.

Lack of online banking system.

Lack of efficiency of employs.

Opportunities

The bank started computerizing its operation that will increase the bank performance.

The bank has a good reputation in the market and its employees are highly trained for agri. business development planning so it can also operate in Middle East because the Arabs are now focusing on agriculture.

Threats Natural Calamities is also a problem, the bigger part of

the bank customers relies on the environmental condition.

The climate of the earth is rapidly changing due to which heavy rains and floods are often anticipated. This is an alarming situation for ZTBL to operate in the market being an agri. lender.

The example of 2010 flood is still in front of us those who are affected are unable to pay their loans back.

Conclusion

Zarai Taraqiati bank works for the promotion of the agricultural sector of Pakistan.

It facilitates the farmer’s society by providing different products and services. It helps them by offering loans to increase their source of income.

ZTBL is now focusing on how to facilitates the rural areas and development of rural areas of Pakistan.

Recommendations

Online banking.

Increase the efficiency of employs.

Increase technological advancement.

Improve the Management system.

Thank You !!Any Question ?