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Internship Report On ZTBL Title Pages 1
Internship Report On ZTBL Title Pages 1
Supervised By
Mr. Muhammad Kaleem
Lecturer IMS Dept.
Submitted By
Wasim Uddin
BBA (Hons) 8th term
INTERNSHIP REPORT
ZARAI TARAQIATI BANK LIMITED
HEAD OFFICE ISLAMABAD
(Al-Quran)
_____________
_____________
Sir Muhammad Kaleem
Lecturar IMS Dept. KUST
_____________
Sir Safi Ullah
Lecturar IMS Dept. KUST
WASIM UDDIN
WASIM
UDDIN
1.
Preface....................................................................................
2.
Acknowledgement...................................................................
ii
3.
Table of Contents.....................................................................
iii
4.
List of Acronyms......................................................................
viii
5.
List of Tables...........................................................................
6.
xi
7.
Executive Summary................................................................
xii
SECTION -I
Chapter-1
INTRODUCTION TO REPORT
1.1
Background of Study...............................................................
1.2
Purpose of Study.....................................................................
1.3
Scope of Study........................................................................
1.4
Importance of Study................................................................
1.5
Research Methodology...........................................................
1.5.1
Primary Data.............................................................
1.5.2
Secondary Data........................................................
1.6
Limitation of Study...................................................................
1.7
Scheme of Report....................................................................
SECTION -II
Chapter-2
INTRODUCTION TO BANKING
2.1
2.2
Evolution of Banking..............................................................
2.2.1
The Merchants..........................................................
2.2.2
The Goldsmiths.........................................................
2.2.3
2.3
10
2.4
11
2.5
13
Chapter-3
INTRODUCTION TO ZTBL
3.0
Introduction...............................................................................
16
3.1
History of ZTBL.........................................................................
17
3.2
Corporate Vision.......................................................................
17
3.3
Corporate Mission.....................................................................
17
3.4
Corporate Objective..................................................................
18
3.5
Restructuring Plans...................................................................
18
3.6
Board of Directors.....................................................................
19
3.7
20
3.7.1
Board Committees......................................................
20
3.7.2
Management Committees...........................................
20
3.7.3
21
3.8
21
3.9
22
3.10
Subsidiary.................................................................................
23
Chapter-4
4.0
Introduction................................................................................
24
4.1
Schemes of ZTBL......................................................................
24
4.1.1
25
4.1.2
25
4.1.3
25
4.1.4
26
4.1.5
26
4.1.6
27
4.1.7
27
Loans of ZTBL...........................................................................
28
4.2.1
Production Loan..........................................................
28
4.2.2
Development Loan......................................................
28
29
4.2
4.3
4.3.1
Recovery Schedule....................................................
29
4.3.2
Issuance of Notice......................................................
30
4.3.3
Chapter-5
Legal Action................................................................
30
5.0
Introduction.....................................................................................
31
5.1
32
5.3
33
5.4
34
Chapter-6
6.0
Introduction......................................................................................
35
6.1
35
6.2
35
6.3
36
6.3.1
Policy Unit......................................................................
36
6.3.2
Accounts Unit.................................................................
37
6.3.3
Tax Unit...........................................................................
38
6.3.4
38
6.3.5
39
Chapter-7
7.0
Introduction....................................................................................
7.1
7.1.2
Fund Unit......................................................................
40
7.1.3
Payment Unit................................................................
41
7.1.4
41
7.1.4.1
43
7.1.4.2
43
7.1.4.3
43
7.1.4.4
44
7.1.4.5
Diagrammatic Representation of
Chapter-8
8.1
41
7.1.1
8.0
40
40
45
Introduction.......................................................................................
46
Objectives of Regulatory Reporting Department...............................
46
8.2
46
8.3
47
8.3.1
47
8.3.2
Chapter-9
48
48
9.0
Introduction........................................................................................
49
9.1
50
9.2
50
9.3
51
9.3.1
51
9.3.1.1
52
9.3.2
53
9.3.3
Treasury Unit......................................................................
53
9.3.4
54
SECTION -III
Chapter-10
10.0
10.1
10.2
VARIOUS ANALYSIS
Introduction.......................................................................................
55
SWOT Analysis.................................................................................
55
10.1.1
Strengths..........................................................................
56
10.1.2
Weakness........................................................................
57
10.1.3
Opportunities....................................................................
58
10.1.4
Threats.............................................................................
59
Ratio Analysis.......................................................................................
10.2.1
10.2.2
60
Liquidity Ratios.............................................................
60
10.2.1.1
Current Ratio.............................................
60
10.2.1.2
Quick Ratio................................................
61
10.2.1.3
61
Leverage Ratios...........................................................
62
10.2.2.1
Debt Ratio.................................................
62
10.2.2.2
62
10.2.2.3
63
Profitability Ratios..........................................................
63
10.2.3.1
Return on Asset..........................................
64
10.2.3.2
Return on Equity.........................................
64
10.2.3.3
65
10.3
65
10.4
Marketing Analysis........................................................................
67
10.2.3
SECTION -IV
Chapter-11
14.1
Findings...........................................................................................
14.2
Recommendations...........................................................................
70
14.3
Personal Experience........................................................................
71
14.4
Conclusion.......................................................................................
72
14.5
Annexures........................................................................................
73
Bibliography
69
ABL
ADB
ADFC
ADPB
BFRD
BDC
BOD
Board of Director
CAD
CAF
COBOL
FAD
FAU
FMISU
GDP
GLH
HBL
HOAD
HOOD
IBTU
ITSSD
KSSL
MCB
MCO
MINFAL
NBP
NDFC
NPL
PDDC
PICIC
PVU
RIRU
RRD
SBP
SECP
SME
SWOT
UBL
ZTBL
S.No.
Topics
Page No.
1.
19
2.
21
3.
23
4.
28
5.
29
6.
60
7.
61
8.
61
9.
62
10.
62
11.
63
12.
64
13.
64
14.
65
S.No.
Topics
Page No.
1.
21
2.
22
3.
34
4.
43
5.
45
6.
55