internship report on zarai taraqiati bank ltd (ztbl)

7/21/2019 Internship Report on Zarai Taraqiati Bank Ltd (ZTBL)

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Internship inZarai Taraqiati Bank Ltd.(ZTBL)

Wazirabad Branch

Report Written

Six week internship training

! th "#g#st $% & to $$ nd Septe'ber $% &

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"#g#st $% &

Independence a* +hotos ,irst +rize in Is-a'abad Bea#t* B#i-ding

ead /,,ice Zero +oint 0ear Shahrai* +akistan 1ono'ent Is-a'abad

2ontents

5.Acknowledgment

6.Dedication

7.Executive summary

8.Cooperate vision and mission statement1 .!"#ects and $unction

11.%rie$ o$ t&e '(%)

1*.Corporate in$ormation

1+.Area o$ operation

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1+..(ype o$ loan a"le item under general credit loan

1,.-ature o$ t&e organi ation

15.%usiness volume reward &onors and success stories act last $ive years

1/0*, roduct and services lines

*5.!perational procedure

*5.Entertainment o$ loan application

*7.(ypes o$ loans

+ .2urisdiction entertainment o$ loan application

+6.Contri"ution o$ organi ation toward economic development

, .!rgani ation structure

,1.Comments on t&e organi ation structure

,*.3slami ation o$ "anking system

,+.%rie$ o$ t&e internee4s work

,6. ummary o$ t&e learning

,7.Conclusion o$ t&e report

,8. wot analysis o$ t&e organi ation

,/. ecomendation o$ pro"lems t&at are $ound in t&e swot analysis

"cknow-edge'ent

Every praise to Alla& Almig&ty t&e most merci$ul and "ene$icial w&o knows a"out

w&atever is t&ere in universe &idden or evident w&o ena"les me to get suc& valua"le

knowledge w&ic& de$initely &elped me in my pro$essional li$e.

3 would like to t&anks 1R3 T"0455R " 15 (1/BIL5 2R5 IT /66I25R) w&o trust

my a"ilities to use my skills. (&anks to all ZTBL W"ZIR"B" sta$$. (&ey gave me t&eir

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precious time and 3 learn a lot $rom t&em. (&anks to all my $amily and $riends w&o

&elped me.

edication

3 would like to dedicate my entire work to my parents "anker C! and teac&ersw&ose prayers and guidance &elped me to complete my task.

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5xec#ti7e S#''ar*

(&e '(%) is single largest supplier o$ institutional agriculture credit in akistan.'(%) is corporate "ody en#oying semi9 autonomy in t&e conduct o$ its operation. (&e

:ederal government and state "ank o$ akistan toget&er exercise policy control over t&e

"ank "ot& t&e availa"ility o$ $inancial resources and ;uantum o$ lending program o$

"ank are su"#ect to t&eir approval .(&e $unds $or lending are provided "y t&e state "ank

o$ akistan at *< "elow "ank rate.

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(&e $oreign loan o"tained $rom 3DA wedis& international development aut&ority

and Asian development "ank. )ending is done $or pursing o$ modern tec&nology

tapping o$ underground water resources and application o$ c&emical inputs.

3 learned $rom interns&ip &ow to carry out work &andle t&e responsi"ilities alsolearn &ow to interact wit& people and w&at kind o$ organi ation "e&aviors are

accepta"le or not .3 learned time management and &ow to accomplis& t&e work

e$$ectively and e$$iciently.

3 o"served t&ere $riendly environment strong relations&ip among employees and

customi ed system w&ic& ena"le organi ation to avoid pro"lems related to manual

system. y goals to learn a"out di$$erent $unction t&at are per$ormed t&ere completed.

2orporate 4ision

Dedicated to serve t&e needs o$ t&e $arming community "y delivering $inancial products

and tec&nical services on a competitive and sustaina"le "asis in a convenient e$$icient

and pro$essional manner leading to success o$ "ank and t&e $armers.

2orporate 1ission

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(o play e$$ective role in t&e promotion economic growt& t&roug& relia"le access to

sustaina"le $inancing special lending programs tec&nical assistance and ot&er

products and services and promote career development opportunities $or increasing

pro$essionalism and tec&nical pro$iciencies o$ employees.

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./B852TS "0 6902TI/0S

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1. (&e prime o"#ect o$ 'arai (ara;iati %ank )td. =nder t&e companies ordinance 1/8, is

to provide sustaina"le rural $inance and services to small $armers and low income

"orrowers so t&at t&ey can mitigate poverty.

*. (&e guiding principal o$ t&e "ank to provide $inance and credit $acilities to small

"orrowers and low income &ouse&olds and especially t&e women. (&is $inance s&ould

"e on pure commercial "asis and no concessions.

+.(&e credit $acilities in rural s&all "e provided wit& or wit&out collateral in cas& t&at are

market "ased mark0up rates t&at ensure t&e operational and $inancial sustaina"ility o$

t&e "ank.

,. mall $armers w&o &ave *5 acres o$ integrated land or un0irrigated land must "e

provided 75 < $unds "y t&e "ank and *5< $or t&e "igger land owners reserved "y t&e

"ank.

5. )ow income &ouse&olds include land 9less poor4s tillers and small land owners&aving land not exceeding two acres.

*. Brie, o, the ZTBL

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Zaria taraqiati bank -i'ited erstw&ile "gric#-t#re e7e-op'ent Bank /,

+akistan is t&e premier $inancial institution geared towards t&e development o$

agriculture sector t&roug& provision o$ $inancial services and tec&nical $acilities. (&e aim

o$ restructuring AD% is "eing carried out wit& t&e aim o$ upli$t t&e agriculture and rural

sector "y raising $arm productivity and increasing income generating capacity o$ t&e

$arming community '(%) was incorporated as pu"lic limited company on 1, t& Decem"er

* * t&roug& repeal o$ 1/61.

(&e new corporate structure rede$ines "ank4s status as pu"lic limited company

registered under companies4 /rdinance :; wit& an independent "oard o$ directors

w&ic& aims o$ ensuring good governance and delivering &ig& ;uality.

:or all practical purpose "ank is an "ack"one $or government $or implementingoverall agriculture policy $or credit purposes. (&e design o$ credit is linked so $or as

possi"le wit& periodic priorities and targets as laid in annual development plans.

(otal assets o$ t&e "ank stand at 1*+ "illion wit& aut&ori ed capital o$ s *5

"illion as o$ +1.1*.* 11 wit& a nationwide working strengt& comprises 578/ employees.

(&e s&are '(%) in total nationa- instit#tiona- agric#-t#re credit is *+< as on date

+ .6.* 1*.

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&."rea o, /peration

(&e area o$ Zarai Taraqiati Bank Ltd. are extended to w&ole akistan and also

t&e "usiness o$ "ank transacted outside t&e akistan. (&e operations o$ t&e "ank also

cover t&e (ri"al areas :ederally Administrated -ort&ern Areas and A ad 2ammu and>as&mir. Extension o$ $unctions o$ '(%) to A ad 2ammu and >as&mir &as "een made

vide t&e '(%) o$ akistan Act * + pu"lis&ed in ga ette o$ */2anuary * ,.

.T*pes o, Loan ab-e ite's #nder genera- credit

1. roduction or easona"le )oans.

*.Development )oans.

+.3tems o$ Cottage 3ndustry admissi"le under icro Credit c&eme.

,. )imit o$ )oan under ?eneral Credit.

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!.0at#re o, the organization

As t&e need o$ t&e &our same as every ot&er countries our country also $eel t&e

need o$ suc& institution w&ic& only work $or agriculture sector t&at4s w&y t&e nature o$

suc& institution is "ased on 'arai (ara;iati %ank )td. w&ose purpose is only to work $or t&e prosperous o$ agriculture sector. (&is "ank provides loans to $armers on asan ;ar a

sc&eme so t&at t&ey $ul$ill t&eir needs. Early on $armers used t&e old met&ods $or

cultivation like ploug&ing t&eir $ields wit& t&e &elp o$ "ulls t&at4s w&y t&eir production o$

goods is low and &ardly to $ul$ill our country re;uirements. later on wit& t&e

advancement in tec&nology and latest met&ods o$ cultivation it c&ange t&e w&ole

met&od o$ cultivation and t&us ?overnment o$ akistan t&oug&t t&at suc& latest

tec&nology s&ould "e used and $or t&at purpose 'arai %ank s&ould "e esta"lis&ed in all

over t&e country w&ic& provide loans to $armers on asan ;ar a sc&eme and on lower

interest rate $or "uying products suc& as mac&inery include tractor &arvester treasure

and seeds $ertili ers and c&emicals $or killing insects etc.

Due to suc& $acilities t&e living style o$ t&e $armers is totally c&anged "ecause

t&ey could easily "uy luxuries $or t&eir $amily and t&emselves and t&eir lives goes on

t&e pat& o$ prosperous. :or taking loans t&ey &ave to provide "ank as a security like

#ewelry or land given to t&e "ank as a mortgage. @&en t&ey meet t&eir re;uirementst&ey return amount o$ loan to t&e "ank and "ank returns t&eir security.

-ow due to t&e situations c&anged we are a"le to provide goods like rice w&eat

wools etc to ot&er countries a$ter $ul$illing our own needs.

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?."225+T"BL5 S529RITI5S3 45RI6I2"TI/0 /6 T 5IR TITL5 "0"SS5SS150T /6 4"L9"TI/0@12L

(&e "and advances loans against t&e security o$ immova"le properties and alsoagainst personal surety vividly descri"ed as under.

.-!

-ame o$ roperty aximum Credit limit o$ appraised value

I''o7ab-e +roperties3 Agricultural )and

1. =nder ass %ook 8

internship report on zarai taraqiati bank ltd (ztbl)

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