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INTERNSHIP REPORT ON

Zarai Traqiati Bank of Pakistan


Submitted To:
Internship report submitted to faculty of management & administrative sciences in
partial fulfilment of the requirements for the degree of Masters of Business
Administration.

MBA (3.5 years)

UNIVERSITY OF GUJRAT
G.T Road Campus
Date of Submission: 15-09-2013

Name of Coordinator: _______________

Signature of Coordinator: ______________

BUSINESS ADMINISTRATION (MBA)

ALI RAZA ARSHAAD (11014220-079)

BUSINESS ADMINISTRATION (MBA)

DEDICATION
I dedicate my this internship report to
ALLAH Almighty
Who has created me as human
Being and helps me in difficulties,
And my parents (especially father,
Mother) and my sister by whom
Wishes, I have reached
At this stage.

Acknowledgements

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All praise and gratitude due to ALLAH ALMIGHTY who created man in His own
image and enjoyed upon him to travel on the earth and enter into a profound and
analytical study of Universe for spiritual appreciation of ALLAH's Unity and his
attribute as well as for harnessing the material manifestation of the world to the
mankind's profitable utilization. In the first place, therefore we express our utmost
thanks to ALLAH.
At the next stage I offer our gratitude to our Apostle and prospector Prophet
Muhammad (P.B.U.H) for his golden saying "Gain knowledge from cradle to
grave".
I am really pleased here to acknowledge the sheer efforts and extreme of numerous
people, those who have provided me their service in the completion of my internship
report at ZTBL GUJRAT branch. I would like to thank my supervisors in the bank
during my internship period of 6 weeks here in ZTBL:

Mr. Shahid Mehmood (Branch Manager)


Mr. Mohammad Jamil
Mrs. Iram Shahzadi
Mr. Irshad
Mr. Naseem Sajid

Whole staff and these officers were so cooperative and nice to me that without their
guidance and support this internship would not have result in success. I learned lots
of things like corporate ethics, culture, structure and management, which will help me
in my career ahead.
At the next stage I would like to thanks to my family and friends for their moral
support. And most especially thanks to my respected Teachers who help me in the
completion of my internship.
Thanks all!

Table of Contents

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Title
Executive summary
Main body of report
Introduction
Overview of the Organization
Corporate Vision
Corporate Mission
Brief history of ZTBL
Nature of the organization
Business volume, Reward, honors & success stories
Product/service lines
PEST analysis
Contribution toward economic development
Organization structure
Organization setup and hierarchy Chart
Grades of banks
Number of employees
Main offices
Introduction of all departments
Comments on the organization structure
Internees Work
Brief introduction of internee's office/branch
Detailed description of departments of Internee's branch
Details of supervisors
Weekly time tables
Detailed description of activities
Detailed description of assigned tasks
Summary of learning
The skills and qualification I have gained from the internship
The responsibilities I have undertaken during my internship
How internship influence on my future career plans
Internship activities and Class room knowledge
Conclusions of report
Summary of key conclusions derived from the internship experience
General observations
SWOT Analysis of ZTBL
Recommendations
References
Appendix and supplementary Material

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BUSINESS ADMINISTRATION (MBA)

Executive Summary:
The purpose of the internship program is to acquaint the students with practical
applications of theoretical concepts taught to them during conduct of their MBA
program. All the efforts on the way are summarized in the shape of internship report.
The Zarai Traqiati Bank Limited (ZTBL) is single largest supplier of institutional
agriculture credit in Pakistan. ZTBL is corporate body enjoying semi-autonomy in the
conduct of its operations. ZTBL serves its venerated customers in the form of
different customized products. It is providing both type services financial and
nonfinancial mostly to its client of the rural areas of the Pakistan, which comprises of
68% of the Pakistan's total population. The bank has country-wide network in the
form of 370 branches and is serving round about half of the million clients annually
and over accumulated account holder's with the average loan size of around Rs.
162331 serving 68%, 29% & 3% 0f subsistence, economic and large growers
respectively.

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I have done my internship at ZTBL GUJRAT branch and also I have done work in its
different (Credit, CAD, Cash, Accounts, Deposit and Computer) Departments. My
internship goals are to learn about basic functions and procedures of all departments
of ZTBL GUJRAT branch. For this purpose I have done work with the help of different
supervisors. During my internship I fill different vouchers, Account opening forms,
loan case files, inter-branch transaction advice and allot the numbers to different
applications etc. I have learnt about the working and functions of ZTBLs official
softwares and bank how maintain record. And also help to the customers and

learned how to interact with others and what kind of organizational behaviours are
acceptable

and

non

acceptable.

learned

time

management

and

work

accomplishment effectively and efficiently.


I observed there friendly environment, strong relationship among pears and
computerized system which enable organization to avoid problem related to manual
system. After my internship I am able to say that there is a difference between
theoretical knowledge and applying that knowledge into the practical field, therefore
internship is very necessary for the students to get aware about the ups and downs
of practical field.

Part # 1
Main Body of Report

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Main Body of Report


Introduction:
Main purpose of internship give a demo to the student that is about the office working
and work in reality and also encourage the student and building the interpersonal
skills, ability communicate, writing and research ability, team working, living in office
environment, follow the office rules and regulation and dealing with customers.
This chapter consists of back ground of internship that's what is the purpose, scope,
objectives and methods of internship?
Purpose:
I am the student of business administration and required to complete our six
week internship in an organization. Internship is a training programme and it is
compulsory for the completion of degree programme and also internship
programme very helpful in future because in which internship we learn about
the office working, team work, organizational behaviour, customer relationship,
motivation work under the direction and internship gives also platform for the

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future. We also learn about making decisions, dealing with obstacles, self
presentation, making policies and also analysis our skills.
Scope:
In internship there is a good scope because in which internship we learn about
working of the organization and learn about the culture of the organization and
also know the rules and regulations and secrets of the organization that's why
the many organizations recruit internees. Internees as an easy source for
supply of labour because it is reduce the cost of training of employees.
Objectives:
An internship provides a variety of benefits. Internships give a taste of what a
profession is best.
The following list of objectives.

To test my interest in a particular career before permanent

commitments are made.


Develop skills in the application of theory to practical work situations.
Develop skills and techniques directly applicable to careers.
Avail opportunity to develop attitudes conducive to effective

interpersonal relationships.
Increase a sense of responsibility.
Be prepared to enter into full-time employment in their area of

specialization upon graduation.


Acquire good work habits.
Avail the opportunity to earn a salary while pursuing educational goals.
To develop employment records/references that will enhance

employment opportunities.
Gain an in-depth knowledge of the formal functional activities of a

participating organization.
Avail the opportunity to

interrelationships.
Internship programs will enhance advancement possibilities of

understand

informal

organizational

graduates.
Have higher levels of academic performance.
For the motivation
Learning Methods:
I have used different why of learning during the internship. I use my personal
skills and also observe the others work and give the full interest in the offices
work actively participates all activities that are related with the office work.
Avail all opportunities of learning and learn with the help of others.
Organization:

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After all the planning of scope and objectives I decide that I did my internship
in "ZARAI TARAQIATI BANK LIMITED".
Summary:
In this chapter I discussed about the purpose of the internship and scope of
the internship and objectives that how it will help me in my present studies and
in my professional life while pursuing my career is discussed. And develop
employment records/references that will enhance employment opportunities.

Overview of the organization:


Corporate Vision
Dedicated to serve 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 success of the Bank
and the farmers.

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Corporate Mission

To play effective role in the promotion of


economic growth, by enhancing the availability
of credit to the agriculture sector, through
reliable
special

access

to

lending

sustainable
programs,

financing,
technical

assistance, and other products & services, and


to promote career development opportunities
for increasing professionalism and technical
proficiencies of employees.
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Brief History of ZTBL:


Zarai Taraqiati Bank Limited (ZTBL) erstwhile
Agricultural Development Bank of Pakistan (ADBP)
is the premier financial institution geared towards the
development of agriculture sector through provision
of financial services and technical Know How. The
restructuring of former ADBP is being carried out
with the aim to uplift the agriculture and rural sector
by

raising

farm

productivity,

streamlining

the

institutional credit and increasing income generating


capacity of the farming community. ZTBL was
incorporated as a Public Limited Company on 14th
December, 2002 through repeal of ADB Ordinance of
1961.
The new corporate structure redefines the bank's
status as a public limited company registered under
companies Ordinance'1984 with an independent
Board of Directors which aims at ensuring good
governance, autonomy, delivering high quality
ZTBL is a key R.F.I of Pakistan providing affordable, rural and agriculture
financial/non-financial services to the rural Pakistan, comprising 68 % of the total
population. The Bank through a country-wide network of 370 branches is serving
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BUSINESS ADMINISTRATION (MBA)

around half a million clients annually and over one million accumulated account
holders with the average loan size of around Rs.162331 serving 68%, 29% & 3 % of
subsistence, economic and large growers respectively.
The total assets of the Bank stand at Rs.123 billion with authorized capital of Rs.25
billion as of 31.12.2011, with a nation-wide working strength comprises 5789
employees. The share of ZTBL in total national institutional agricultural credit is 23%
as on 30.06.2012. ZTBL was incorporated as a Public Limited Company on 14th
December, 2002 through repeal of formal Agricultural Development Bank of Pakistan
Ordinance of 1961. Thereby transforming the bank as a corporate entity to serve as
a R. F.I
ZTBL 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.


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.

Transformation of ZTBL to R.F.I of the country and road to excellence:


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 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

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BUSINESS ADMINISTRATION (MBA)

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:

Governance: establish an environment that facilitates good governance and

accountability.
Systems: modernize operations through use of technology, networking and

communication tools.
Business processes: streamline products and delivery systems so as to

reduce transaction costs, simplify operations and increase outreach.


Products and services: introduce products and services that are financially

economically viable.
Human resource development: improve standards and skills of management

and staff and strengthen training capacity.


IT: establish new hardware and software platform to support MIS, accounting
system including forensic accounting and risk management functions.

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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Board of Directors:
In board of director there are 10 members.

Sultan Ali Chaudhry

Mr. Ihsan-ul-Haq Khan

Chairman Board

President/ CEO

Mr. Abdul Wajid Arain

Ch. Mohammad Zaka

Director

Ashraf
Director

Mr. M. Yaqoob Vardag

Mr. Zafar Iqbal

Director

Director

Dr. Amir Mohammad

Dr. Khalid Ahmad

Director

Khohar
Director

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Mr.Mahmood Nawaz

Muazam Ali

Shah

Company Secretary

Director

Nature of the organization:


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. And also receive utility bills, Hajj applications and some
branches have the facility of western union and INSHA ALLAH this facility available in
2014 at every branch.
Business volume, reward honors & success stories:

The AAA/A-1+ (Triple A/A-One Plus) ratings assigned to Government Guaranteed


Obligations of Zarai Taraqiati Bank Limited (ZTBL) take into account the Federal
Government guarantee on credit lines obtained from the State Bank of Pakistan
(SBP) that form the pre-dominant source of the banks funding. Safety of deposits
mobilized by ZTBL is also guaranteed under the Banks (Nationalization) Act, 1974.
At end-Dec12, balance sheet footing of the bank was higher at Rs. 131.9b. Net
advances increased to Rs. 88.1b (FY11: Rs. 84.7b) though its proportion in total
assets declined to 66.8% (Dec11: 69.2) by end Dec12. While various new loan
products have been launched by the bank in FY12, Sada Bahar Scheme has
remained the flagship product of the bank, though its proportion has been declining
in the total portfolio. Awami Zarai Scheme, which relates to crop production loan, has
witnessed an increase over time. The management intends to increase the
proportion of this scheme in overall loan portfolio.
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As part of its restructuring, the bank had initially submitted a proposal to SBP for
restructuring of the outstanding credit lines and subordinate debt to the tune of Rs.
54.5b; terms of the same could not be finalized. The management has been in
continuous negotiations with SBP in this regard. The management plans to submit a
plan whereby remission in net debt is proposed after adjustment of ZTBLs claim on
account of mark up differential due to previous cap on lending rate. The terms of
restructuring, if finalized, could have significant implications for the risk profile of the
institution. Meanwhile, the bank managed to increase its deposit base in FY12
though its proportion in overall funding base remained moderate. This along with
equity expansion through profit retention provided additional liquidity mainly
manifested in government securities and, to some extent, in TFCs having good credit
quality. Liquid assets as a proportion of borrowing and deposits improved on a
timeline basis, though still remaining on the lower side. In view of disagreement on
mark-up rate on SBPs credit lines, the total liability of the bank could be different
from that recorded on books.
Product/service lines:
Loan schemes
(i) One Window Operation/ Zarkhaiz Scheme (ZS):
Salient features of the Scheme:
An easy way to get Agri. Pass Books.
Credit needs of the farmers at the ir

doorsteps.
All formalities from the issuance of Agro.
Pass Book to processing of loan are

completed on the spot.


Simplified documentation.
Timely disbursement.
Focus on small farmers.
(ii) Awami Zarai Scheme (AZS)- Farm Credit:
Mandatory for all new borrowers and optional for existing borrowers of crop
production loan under Sada Bahar Scheme to avail revolving limit under
Awami Zarai Scheme to get inputs through M/s Kissan Support Services
Limited (KSSL) - a subsidiary of ZTBL under kind system
(iii) Asan Qarza Scheme:

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In order to engage youth in national development, who form major segment of


rural population in Pakistan and to raise their standard and check their
migration to urban areas.
(iv) Green Revolution Scheme:
In order to achieve the aim of providing farm
machinery
mechanized

and

implements

farming

for

the

to

encourage

the

enhancement

of

agriculture productivity as compared with traditional


tillage system a Memorandum of Understanding
between Zarai Taraqiati Bank Ltd. and Department of
Agriculture. AJ&K has been signed under title of Green Tractor Scheme.
(v) Kissan Dost Scheme:
Kissan Dost Scheme (KDS) has been launched with
immediate effect on concessional rate of mark-up for
financing crop production loans, (seed, fertilizer,
pesticides & other etc.). The financing would be for
one season crops i.e. either Rabi or Kharif.
(vi) Rural Development Scheme:
In order to provide Credit Assistance for Dairy,
Poultry,
Sheep & Goat Farming in the rural areas of the State of Azad Jammu &
Kashmir, a Memorandum of Understanding between Zarai Taraqiati Bank
Limited and Azad Kashmir Small Industries Corporation has been signed.
Agri. Machinery
a) Irrigation Machinery:
High Speed Diesel Engines
Sprinkler Irrigation Systems
Drip Irrigation System
b) Inter Row Rotary Cultivator:
This Rotary Cultivator can be used for hoeing
of cotton, maize, sugarcane, groundnut,
tobacco and other row crops. Weeds are
controlled mechanically while aeration and
infiltration of soil are also improved.
c) Solar Devices:
Solar Lift Irrigation System/Tube well
Solar Fencing
Solar Gyser
Solar Loud Speaker System

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Solar Berg Alarm System


d) Stubble Shaver:
For vigorous deep rooted ratoon of sugarcane crop stubble shaving is
essential. The process destroys unwanted cane stubble so that the ratoon
growth can develop further.
e) 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.
f) 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
this 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.
Lockers
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. No

Name of Branch

Phone No.

Address

Islamabad Branch

051-9252022

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

2
`
4
5

Main Branch Lahore


Peshawar Branch
Gujranwala Branch
Faisalabad Branch

042-7353380
091-2262279
055-9200206
041-9210008

Islamabad
47-C, Sharah-e- Quaid-e-Azam, Lahore
Chughalpura, GT Road Peshawar
D.C Road, Gujranwala
Opposite Punjab Medical

6
7
8
9

Multan Branch
Sahiwal Branch
Sargodha Branch
Khan Pur Branch

061-9200509
040-9200424
048-9230491
068-5573079

College, Faisalabad
61-A Abdali Road, Multan
915-D Block Farid Town Sahiwal
Katchery Road, Sargodha
Model Town- Near Paradise

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10

Shafi Court Branch

021-9206006

Cinema Khan Pur


Shafi Court Building Mereweather Road

11

Main Branch Gulshan-

021-4613618

Karachi South
St 4/3-A Building No.1 KDA Scheme-36

e-Johar

Gulistan- i -Jauhar Karachi

Following are the approved rates for rent of lockers and key deposits against
which lockers will be allocated:
Type

Specification

Rent

Per Rent

Annum

after Key Deposit

grace
period

Small
Medium
Large

6-1/2"x4-1/2"x23"
13-1/2"x4-1/2"x23"
13-1/2"x8-1/2"x23"

Rs.1,200/Rs.1,800/Rs.2,500/-

Rs.1,500/Rs.2,250/Rs.3,125/-

Rs. 3,000/Rs. 5,000/Rs. 7,000/-

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.
Utility Bills Payment
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 utility bills payments at all branches.
Western Union
ZTBL has successfully launched Western Union money transfer service (home
remittance) on 31.12.2011 in two branches i.e. head office branch and Zonal
head quarter branch Islamabad. In 2nd phase the following further six
branches have been activated on 16.03.2012
1
Jhelum
2
Chakwal
3
Atock
4
Gujar Khan
5
Mirpur AK
6
Kotli AK
7
Gujranwala
PEST analysis:
Political:
Pakistan despite all international and public perceptions, today is a functioning
democracy and gradually there is a change in complexion and composition of
legislatures with more educated people and women (27% of National
Assembly and 17% of Senate) entering into politics. Similarly it helps in

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BUSINESS ADMINISTRATION (MBA)

designing best strategies to implement that could support the revival of bank
industry. Like in the era of nationalization bank had to suffer as other industry
that's why that impact is still found in the performance of this industry.
Economical:
Although banking sector development is important at the early stage of
economic growth, general liberalization presuming a homogeneous bank role
may not necessarily promote growth. The estimated cost structure indicates
that state-owned commercial banks are large enough, while development
financial institutions and private banks can expect to obtain cost-saving
advantages by expanding their operations. Since scope economies are
significant, portfolio diversification generally increases bank profits. In addition,
privatized banks are the most efficient, followed by foreign and private banks.
Public banks are the least efficient.
Social:
Banks always helped people in improvement of living condition of poor people
in various forms like giving loans to poor for starting business or directly
providing them the instruments that could enhance their living conditions.
Similarly ZTBL always tried to provide the needy people loans on soft terms
and

also

helped

to

eradicate

unemployment

by

providing

job

opportunities.Recent high growth trends coupled with enhanced spending on


social and 2007/2008 has together begun to pay some dividends.

Technology:
The Banking sector in Pakistan has experienced a rapid transformation. Just
about a decade back this sector was limited to the Sarkari (read nationalized)
and co-operative banks. Then came the multi-national banks, but these were
confined to serving an elite few. One could regard the past as the 'medieval
ages' in the banking industry, wherein every branch of the same bank acted as
an independent information silo and multi-channel banking (ATMs, Net
banking, Tele-banking, etc) was almost non-existent. Today banks have to
look much beyond just providing a multi-channel service platform for its

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BUSINESS ADMINISTRATION (MBA)

customers. There are other pressing issues that banks need to address in
order to chalk-out a roadmap for the future. Here are the top three concerns in
the mind of every bank's CEO. The customer is interested in how he/she can
benefit from the bank and its products. That's why it becomes necessary for a
bank to differentiate its products from the others. Some of the ways in which
differentiation can be introduced are through specialization, new products, and
increasing the value.

There is Inadequate Communication infrastructure.

Smaller and lowest computer facilities.

Inadequate IT training.

There must be an efficient IT department.

Contribution of organization toward economic development:


Economy of Pakistan mostly depends on agriculture. Zarai Taraqiati Bank Ltd. Play
very vital role in the economic development almost 67% population of Pakistan
belongs from agriculture occupation so ZTBL working for the development of the
agriculture sector and issue loans for the development of the agriculture sector. ZTBL
also help for the decreasing unemployment. At the present time 5789 employees
worked in this organization. ZTBL also contribute in the national revenue and also
help in the energy sector and give loans for the solar panels.

Organization structure
Organizational Hierarchy chart and setup:
Hierarchy chart of ZTBL:

CHAIRMAN
Board of Directors
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Executive Committee
President
Regional Headquarter
Regional Manager

Regions
Banking Deptt. Officer
Branch Managers

Cash Deptt.

Admin Deptt

Finance Deptt.

Organizational Setup:
Board of Directors

Audit committee
President
Chief
internal
Auditor
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Head Office

Field

Internal
audit
Zones

Divisions (10)
Zonal Offices (36)

Department (31)

Branches (370)

Staff office (1)

MCO's (1243)

Grades in ZTBL:
These are the grades of Zarai Traqiati Bank Ltd.

SEVP

EVP

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SVP

VP

AVP

Grade 1

Grade 2

Grade 3

Assistants

Non Clerical staff

Clerical staff

Number of employees:
The basic function of H R department is not only recruitment of employees in which
also include training and development, protection of employees job and motivate
employees. So employees are most important for any organization because
employees plays key role in the success of any organization and when any
organization achieve any goal in which include hard work of any employee.

ALI RAZA ARSHAAD (11014220-079)

25

BUSINESS ADMINISTRATION (MBA)

ZTBL has nationwide presence with vast network of 370 branches (Dec, 11: 359) as
of July, 2013. The bank has a total strength of 5,789 employees (Dec, 11: 5,724) as
on December 31, 2012. 22 employees working in ZTBL GUJRAT branch with
different job titles and descriptions.
In ZTBL also have Promotion program for the employee motivation. For this purpose
ZTBL promote their employees after 5 year later on the basis of employee's
performance and this is also the function of H R department. ZTBL also have the
incentive and motivation polices for their employees for this purpose Regional
headquarter give incentives to employees at the end of each year on the basis of
their performance.
Main offices:
Head Office:
Head office of Zarai Taraqiati Bank limited is situated in PAKISTANs Capital
ISLAMABAD:
Address

1 Faisal Avenue, P.O. Box. NO 1400, Islamabad


Pakistan
+92-51-9252805
& 042-111-11-ZTBL (9825)

Phone#
Information
Complaint s
E mail

contactus@ztbl.com.pk

List of Zonal Offices


S.

Place

Name

Desig.

Code

No
1

Phone#

Address

& Fax#
Karachi

Sayed

Mashood

VP

021

Abbad Rizvi-

3410808

St.2/3,B-1,Sch-

34612801

36,Gulistan-e-Jouar,

Hyderabad

Acting ZC
Iqbal Ahmed Abbas

SVP

022

9260065

Karachi
6-A,Unit-7,Latifabad,

Mirpur

Syed

VP

0233

9260393
9290191

Hyderabad
Satellite

Khas

Mujtaba Rizvi

9290190

,Mirpurkhas

Muhammad

ALI RAZA ARSHAAD (11014220-079)

26

Town

BUSINESS ADMINISTRATION (MBA)

Sukkur

Acting ZC
Pir Bux Phulpota

VP

071

9310302

Shalimar

Larkana

Acting ZC
Nazir

Ahmed

SVP

074

9310299
9410821

Road Sukkur
VIP Road , Larkana

Shaheed

Tabassum
Behram

Ali

SVP

0244

9410835
9370113

1-A/2,

B.

Nindwani

9370114

Govt.Employees

Nazirabad

Manara

Housing
.Soc.Shaheed

Multan

Ghulam Farid Malik

VP

061

9200505

B.Nazirabad
61-A, Abdali Road ,

D.G.Khan

Acting ZC
Bashir

VP

064

9200506
9260415

Multan
Multan

9260416

,Opp.Khayaban-e-

Ahmed

Malik

Rd

Sahiwal

Acting (ZC)
Zulfiqar Ali Khan

VP

040

9200422

Sarwar DG Khan
915-D, Block Farid

10

Lahore

Acting (ZC)
Salman Arshad

SVP

042

9200423
7322085

Town ,Sahiwal
46-C,Shahra-e-

7222081

Quaide

Azam,

11

Gujranwala

Muhammad Nawaz

VP

055

9200218

Lahore
DC

Road

12

Bahawalpu

Lookafter (ZC)
Qasim Mahmood

SVP

062

9200219
9255303

,Gujranwala
81/B-X,Plot

No.5,

Chishti

9255304

Opp.Dubai

13

Faisalabad

Muhammad Tufai

SVP

041

9210005

Palace ,Bahawalpur
Opp.Punjab Medical

14

Sargodha

Muhammad

VP

048

9210006
9230492

College , Faisalabad
Kachery Road ,

9230493

Sargodha

2890135

ZTBL,Officers

2890127

Colony B-7/F G-7/2,

Saleem

Akhtar

Khan
15

Islamabad

Acting (ZC)
Muhammad

VP

051

Saleem Safdar
16

Vehari

Acting (ZC)
Sarfraz Azam

SVP

067

3362720

Islamabad
159-A

17

Muzafargar

Ch.Bashir Ahmed

VP

066

3361940
9200201

Block,Vehari
Jail

18

h
R.Y. Khan

Acting (ZC)
Rashid
Ahmed

SVP

068

9200202
9230048

Muzaffargarh
Church Road, Near

9230051

Kanara

Malik

GRoad,

RahimYar

19

Peshawar

Sher Aman Khan

SVP

091

2263847

Khan
Chughalpura

20

D.I. Khan

Ch.

VP

0966

2263062
718246

Road , Peshawar
Prona Adda,
DI

21

Abbottabad

Shraif Acting (ZC)


Muhammad Ghani

SVP

0992

713296
9310153

Khan
Supply Bazar, Kakul

Muhammad

ALI RAZA ARSHAAD (11014220-079)

27

GT

BUSINESS ADMINISTRATION (MBA)

Shah
22

Mingora

Lookafter(ZC)
M.Quresh Khan

SVP

0946

9310155

Road , Abbottabad

9246180

Near

9240181

Collage Saidu Sharif

Govt.Girls

23

Turbat

Abdul Hassan

VP

0852

412890

Swat
Near B & R Colony

24

Quetta

Acting (ZC)
M.Ayub Jogazai

VP

081

412002
9202937

Turbat
446-C Staff College

25

D.M.

Acting (ZC)
Qaisar

VP

0838

9202935
710554

Road, Quetta Cantt


DC
Road,
D.M.

Jamali

Panezai

711329

Jamali,

M.Abad

Acting (ZC)
M. Afsar Khan

921953

Nasirabad.
Bank Squire Lower

924143

Chatter

26

Khan

SVP

05822

Distt.

27

Gilgit-

Latif Jan

VP

05811

920786

Muzaffarabad
Sadar Bazar, Gilgit

28

Baltistan
Bahawalna

Sher

VP

063

920993
2274443

College

gar

Nadeem-

2274456

Bahawalnagar

Jhang

Acting (ZC)
Amjad Hussain

9200470

Musa Chowk near

7651852

Chowk

29

Muhammad

SVP

047

Road,

Balochan,

Sattelite
30

Okara

Zulfiqar

Ahmed

VP

044

Majhiana
31

Sialkot

Acting (ZC)
Amir Abdullah Khan

2522790

Town,

Jhang
27-C Lalazar Colony

9200125
SVP

052

Niazi

4292542

Javed

4262846

Road,District Courts,
Near

Mehdi
Taj

International Hotel

Number of branches:
Sr.No
1
2
3
4
5
6
Total

Provinces
Punjab
Sindh
Khyber Pakhtonkha
Baluchistan
Azad Kashmir
Gilgit Baltistan

ALI RAZA ARSHAAD (11014220-079)

No of Zones
16
6
4
3
1
1
31

28

No of Branches
180
89
61
31
7
1
370

BUSINESS ADMINISTRATION (MBA)

Introduction of all departments:


Zarai Taraqiati Bank Ltd. has 36 departments and in which some important
department are followings:
1) Budget and Fund Management Department:
As part of the Office of the ZTBL Budget and fund Management department is
responsible for preparing the ZTBL's Preliminary and Executive Budgets and
for advising the ZTBL on issues affecting the Country's fiscal health and the
efficiency of Agriculture services and programs. This includes tracking all
revenues and expenditures, developing interest rate policies and assessing
Agriculture programs.
2) Central Accounts Department:
Accounting departments are expected to perform, not only to relay all the
needed financial reports and book entering, but to also participate in making a
sound decision. The shares of economics, logic, and mathematics in the
accounting make the profession effective in the face of the world. Only if all
the principles are equally utilized, then accounting can successfully integrates
with the organization.

Prepare General ledger.

Fill debit cash vouchers.

Fill credit cash vouchers.

ALI RAZA ARSHAAD (11014220-079)

29

BUSINESS ADMINISTRATION (MBA)

Fill transfer vouchers.

3) H R Department:
Human Resource Department have many functions:

Hiring

Promotions

Reassignments

Position classification and grading

Salary determination

Performance appraisal review and processing

Awards review and processing

Personnel data entry and records maintenance

Consultation and advisory services to management and employees


Conduct problems
Performance problems

Policy development

Technical policy interpretation

Work Permitting Immigration Visa Program

Benefits
Health care insurance
Life insurance
Disability insurance
Retirement
Voluntary accidental death and dismemberment insurance
Leave Transfer Program
Tuition Assistance Plan
Training opportunities
Combined Federal Campaign

Employee assistance referral

Workers' compensation

4) Training and Development Department:

ALI RAZA ARSHAAD (11014220-079)

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BUSINESS ADMINISTRATION (MBA)

A training and development department handles the learning and professional


development of an organisation's workforce.
Trainers equip staff with the knowledge, practical skills and motivation to carry
out work related tasks. Training department either deliver the training
themselves or arrange for a third party trainer to do so.
Training and development officer help with the ongoing, long-term
improvement of employees skills enabling them to fulfil their potential within
their organisation. Increasingly, training and development officers are required
to be strategic rather than reactive, assessing the skills and knowledge within
an organisation and determining what training is needed to grow and retain
these skills.
5) IT Department:
There are many function of IT department:

Set frameworks and standards for the development of software


applications for ZTBL.

Enforce standards and procedures pertaining to the administration and


management of software systems throughout the department.

Undertake forward planning and feasibility studies pertaining to the


development and implementation of software solutions.

Focus on the development, implement and maintain software


applications that respond to common needs of the different ZTBL
departments and branches.

Provide end user training and support of implemented solutions.

Provide support in the development and maintenance of software


solutions to other divisions of the department.

Provide consultancy services pertaining to the provision of software


solutions.

Set direction and plans for the ICT infrastructure of ZTBL.

Establish and enforce standards and procedures pertaining to ICT


infrastructure within the department.

Ensure electronic security of sensitive and critical ZTBL systems.

Provide infrastructure related support to other divisions of the


department.

ALI RAZA ARSHAAD (11014220-079)

31

BUSINESS ADMINISTRATION (MBA)

Participate in the training of staff in the use of infrastructure systems


and the upgrading of technicians at all levels.

6) Agricultural Technology Department:


The main functions of agriculture technology department are:

To look after the overall development of Agriculture Sector, including


Livestock as a sub-sector for increasing productivity thereof.

To formulate polices/programs in connection with aforesaid objectives


and to ensure their implementation through the attached departments.

To exercise administrative and financial control over the affairs of the


attached departments.

7) Credit Operation Department:


Credit department is a main department of zarai taraqiati bank. In this
department MCO's made calls to customers for their loans repayment or if
they want to renew their loan.

8) Credit Administration Department:


This department play very important role in Zarai taraqiati bank. CAD officer
run this department. The main job description of the Cad officer is to check
the loan cases and send loan cases to Branch manager if loan cases are
according to the criteria of loan ascension procedure. Another important work
of Credit administration officer is to maintain the record of all loan cases.
9) Risk Management Department:
Risk management is very important for every organization. So the function of
risk management department is eliminate the risks and make a plan for
reduce the risk and for this purpose ZTBL make sure NADRA verification of
loan applicant and also zari pass book and also check the credibility of loan
applicant through special software named Internal Credit Risk Management
System (ICRMS).
Comments on the organizational structure:

ALI RAZA ARSHAAD (11014220-079)

32

BUSINESS ADMINISTRATION (MBA)

ZTBL have very strong organizational setup and structure, because ZTBL is a public
limited organization and all decisions are made by board of directors. And unity of
command is very simple and easily definable.
ZTBL have one central office in Islamabad and one Headquarter in each Provincial
capital city and also have 31 zonal offices and 370 branches all over the Pakistan.
So the Head office give the order to the headquarters and headquarters give the
order to the zonal offices and zonal offices give the order to the branches so this is
very clear unity of command. Disadvantage of this structure is the over supervision.

Part # 2
Internee work

ALI RAZA ARSHAAD (11014220-079)

33

BUSINESS ADMINISTRATION (MBA)

Internee Work
My work during Internship:
Truthfully speaking everything was new for me in Zarai Taraqiati Bank Ltd. Through I
have a good bookish knowledge but truthfully speaking it was totally different from
the practical knowledge of the banking. But with the grace of almighty ALLAH I did a
lot of hard work and that make me able to learn every section of bank. I utilize all my
bookish knowledge to get this practical knowledge.
I did my internship in ZTBL Gujrat branch.
Branch Introduction:
Address

ALI PUR ROAD, NEAR USMAN PLAZA

Branch Code
Phone#
Fax#

GUJRAT.
24405
+92-53-9260417
+92-53-9260417

ALI RAZA ARSHAAD (11014220-079)

34

BUSINESS ADMINISTRATION (MBA)

Manager
Operational Manager

Mr. Shahid Mehmood


Mr. Mohammad Jamil

Starting and ending dates of My internship:


I started internship in Zarai Taraqiati Bank limited of Pakistan on 15th July
2013. My internship ended on 25th august 2013. Duration of my internship is 6
week.
Brief history of the ZTBL GUJRAT branch:
In Gujrat, ZTBL Branch was opened on 22 December, 1972. And the first
manger was MR.MIR SHOUKAT IQBAL.
Services provided by ZTBL:
Services are very important for any organization. Services are Intangible
products such as accounting, banking, cleaning, consultancy, education,
insurance, expertise, medical treatment, or transportation.
Sometimes services are difficult to identify because they are closely
associated with a good; such as the combination of a diagnosis with the
administration of a medicine. No transfer of possession or ownership takes
place when services are sold and they (1) cannot be stored or transported,
(2) are instantly perishable and (3) come into existence at the time they are
bought and consumed.
ZTBL offers the following services to the people:
Agriculture Loans:
ZTBL GUJRAT branch offered two types of loans:
Production loans:
In production loans ZTBL provide inputs (fertilisers & seeds
etc.) to their customers and ZTBL fixe the instalment due date
is (7-7-20AA and 7-1-20BB). In production loans ZTBL
GUJRAT branch offer three types of loan schemes:
Awami Zarai Scheme:
This scheme is two seasons scheme in which provide
loan one by one and its interest rate is 13.50% and its
G.L Head is (9020) and pay back in one instalment.
Kissan dost Scheme:
This scheme is one season scheme and its interest rate
is 12% and its G.L Head is (9023) and pay back in one
instalment.
Sada Bahar Scheme:
This scheme is also two season scheme but in which
provide total loan at one time and its interest rate is also
ALI RAZA ARSHAAD (11014220-079)

35

BUSINESS ADMINISTRATION (MBA)

13.50% and its G.L Head is (9018) and pay back in one
instalment.
Development loans:
In development loans ZTBL provide loans for agriculture
machinery and its interest rate (14.30%) is same for all
development loan schemes. ZTBL GUJRAT branch offered
four types of loan schemes:

Dairy:
In dairy loan scheme ZTBL provide maximum Rs.
1,00,000 and minimum Rs. 70,000 and its G.L Head is
(9303) and pay back in 9 equal instalments.
Tube well:
In tube well loan scheme ZTBL provide maxim Rs.
1,00,000 and minimum Rs. 70,000 and its G.L Head is
(9415) and pay back in 9 equal instalments
Tractor:
In tractor loan scheme ZTBL provide loan Rs. 5,00,000
to 7,50,000 and its G.L Head is (9404) and pay back in
14 equal instalments.
Turbine:
In this scheme ZTBL provide loan Rs. 3,50,000 and pay
back in 14 equal instalments and its G.L Head is (9415).
Utility Bill Collections.
Receive Hajj Applications.
Pay Order & Pension Payments.
Success:
The gujrat branch has a very shining history as it contributes a handsome
amount of profit in the zone and also gujrat branch remit cash to head office
and in remitting cash it is on first position from the last 4 years. Also gujrat
branch have achieved highest deposits collection award in 2010 and
manager was awarded R.s 50,000 cash.
Timing:

Working hours are from 9:00.A.M to 5:30 P.M

Saturday is Half Day; bank is closed at 2:00 P.M

ALI RAZA ARSHAAD (11014220-079)

36

BUSINESS ADMINISTRATION (MBA)

Sunday is full off day

After the June closing the bank is closed on Saturday and Sunday for
four months.

Ramadan Timing:

Working hours from 8:00 A.M to 2:15 P.M


Saturday and Sunday full time off days.
Organization Structure of Branch

Zarai Taraqiati Bank Limited, Gujrat branch is a medium branch with twenty two staff
members and they do all works very systematically.

MANAGER

CREDIT
ADMISTRATIO
N OFFICER

DY. MANAGER

SR.
ASSISTANT

ASSISTANT
MANAGER
OPERATIONS

MCOs

CASHIER

ADDITIONA
ACCOUNTS
OFFICER
LADY
COMPUTER
OPERATOR
Current staff of ZTBL Gujrat branch:
Manager: Mr. Shahid Mehmood AVP
COMPUTER
Deputy Manager: Mr. Younas Baig AVP
HANDLER
Operation manager: Mr. Muhammad Jamil warraich OG-I

ALI RAZA ARSHAAD (11014220-079)

37

NON
CLERICAL
BUSINESS ADMINISTRATION (MBA)
STAFF

Additional account officer: Miss Iram shehzadi OG- III


Lady computer Operator: Miss Ifat Maab
Computer handler: Mr Abdullah Hassan (Assistant)
CAD incharge: Mr. Imran Khan OG III
Assistant to CAD: Mr. Naseem Sajid
Cashier: Mr.Irshad OG-I
Mco's:
MR. Allah Dita OG-I
MR M.Latif OG-II
MR Naveed iqbal OG-II
MR Mujaddad Muddassar OG-III
MR Mujhid Anjum OG-III
MR Kasif Naveed OG-III
MR Nisar Ahmed OG-III
Guards:
Mr. Qamar Zaman
Mr. Imran Yousaf
Office boys:
Arslan Khan,
Mr. Imtiaz
Mr. Kamran Asghar.
Driver: Mr. Shakeel Ahmed
Current staff at branch according to their qualification and experience:

Designation

Qualification

Experience( years)

Manager

MBA

27 years

Operation Manager

B.A

25 years

Deputy Manager

B.A

28 years

Cashier

F.A

20 years

Additional Accounts Officer

MBA

4 years

LCO

B.com

3 years

Computer handler

F.A

1 year

CAD officer
Assistant to CAD
MCO(7)

MBA
F.A
MBA, M.sc, B.A

2, 15, years

Guard(2)

Matriculation

10,8, years

ALI RAZA ARSHAAD (11014220-079)

38

25,20,12,11,2,2,2 years

BUSINESS ADMINISTRATION (MBA)

Office boy(3), Driver

Middle

10,5,3,10 years

Salary structure:
Designation

Salary(Rs.)

Manager

76, 000

Deputy Manager

75, 000

Operation Manager

55, 000

Cashier

35, 000

Additional Accounts Officer

18, 500

LCO

14, 500
10,000

Computer handler
CAD officer

18,500

MCO

As per their grade and experience

Office boy

10, 000 each

Driver

22, 000

Guards

12, 000 each

Responsibilities/ Duties performed:


Manager: Mr. Shahid Mehmood is responsible for the whole Branch

working.
Deputy Manager also assists to Mr. Jamil if necessary.
Operation Manager: Mr. Jamil operates within the branch and

incharge of accounts department.


Mrs. Iram performs the duty as Additional Accounts Officer.
Cashier manages in and outflow of cash, all the assets are kept in

record.
LCO Miss Iffat Maab operates the computer and maintains the data
on computer on daily basis.

ALI RAZA ARSHAAD (11014220-079)

39

BUSINESS ADMINISTRATION (MBA)

Computer handler maximizes the efficiency of computer department


and if problem occurs in computer then computer handler

responsibility to solve these problems.


MCO's receive the loan applications and process them and also

recover loan amount.


CAD officer: Mr. Imran Khan Look after the applications entertained
by the Mco's and if necessary makes observations as per bank
manuals and instructions. Mr. Sajid senior assistant, assist in all CAD

operations.
Guards: guards are kept for safety purpose.

Detailed description of the departments of ZTBL GUJRAT branch where I


worked during my internship:
Banking

procedures

are

divided

between

various

departments.

Different

departments do their jobs in occurrence with the bank policies. In ZTBL each
branch is divided into various departments depending on their size and volume of
business. Head of department manages each department & officials of the branch
follow procedures. The departments working within ZTBL Gujart branch are as
under:

Cash department:
Cash department has been designated as the central collection and control
point for cash. Cash department has the responsibility to collect, control, and
maintain records for all branch funds. In gujrat branch cash department has
the amount of cash in hand not exceed Rs. 3, 00, 000 and if the amount is
exceed than the cashier deposit cash In Muslim Commercial Bank Ltd. In the
ZTBL branch account. Responsibility for handling cash is assigned to
individual employees in ZTBL Gujrat branch. Cashier is absolutely responsible
for that cash. But in ZTBL Gujrat branch each employee assumes the
responsibility for full and true reporting of all funds received.

ALI RAZA ARSHAAD (11014220-079)

40

BUSINESS ADMINISTRATION (MBA)

This branch deals with the withholding of cash money or currency notes. Main
function of this department is to handle the flow of cash. Currency is kept in
chests inside strong rooms at branch level.
Cashier of ZTBL gujrat branch fulfill some following responsibilities:

Receive funds and deposit them.

Supervise all cash activities so that all funds received are properly
recorded and deposited in related accounts.

Ensure that proper records are maintained and that entries are made
promptly and properly.

Ensure that all funds are adequately safeguarded.

Computer department:
Computer department is very important in making the banking sector
because it plays a very vital role in procedures faster and helping the bank
for providing better services to its customers. This department also made
data entry on all transactions and other bank routine functions. In this branch
computer department use some official softwares i.e. CDMS, CFOCS,
DIMIS, NIVS and ICRMS which are designed according to the key functions
of banks. The branch has LCO i.e. Lady Computer operator which is hired to
operate and maintain the computer of our branch. And also give the required
documents to the MCOs about the loan applicant i.e. NADRA verification
and also check the credibility of applicant. Scanning of loan applicant file
and send the head offices is also include the working of computer
department and also scan the specimen signature card of the account
holders. Type letters and Send through mail is also included in the working
of computer department. Almost all the computer based working is included
computer department.
Functions of the ZTBL's official softwares:
Centralized Deposit Management System(CDMS):
The main function of CDMS is online deposit system. Opening of
Deposit Account and doing the all type of transactions related to
deposit. The procedure of CDMS is appended below:
First of all enter the Customer Profile.
Allotment of Account No.
Attach the Scanned documents i.e. Picture, Specimen
Signature Card.
Attach the CNIC of customer through NIVS system.

ALI RAZA ARSHAAD (11014220-079)

41

BUSINESS ADMINISTRATION (MBA)

Make the all type of transaction i.e. Pay-in-slip, Cheques,


transfer transaction and online transaction.
CDMS generate the different reports related to Deposit

Accounts.
Centralized Field Computerized System (CFOCS):
CFOCS is main software of ZTBL in which all the day end process is
feeded. All type of bank related vouchers is feeded in this software

and all type reports are generated in this software.


Dynamic Integrated Management Information System (DIMIS):
That software is only reports generated software related to customer
Loan Accounts. This software is very useful for branch recovery
because it's Generate early warning reports regarding recovery as

well as recovery and disbursement of the branch.


NADRA Identity Verification System (NIVS):
This software is link to NADRA. Feed the customer CNIC information

and get the NADRA verification report that CNIC is valid or not.
Internal Credit Risk Management System (ICRMS):
For the requirement of the SBP all the loan cases are entered in this
system. This system is also Generate Credit Worthiness Report
(CWR).

Credit department:
Credit department is very important for every bank because this is the main
source of earn profit. Credit department handles the credit granting, credit
collection and credit limits of their applicants, that's why in this department
the chances of corruption are very high because in which the cash is
involved and Risk of losses is also high so for this purpose ZTBL have
mobile credit officers and they doing field work. Different MCOs had different
areas and conduct proper investigation about loan applicants who are
related their areas. After this MCOs fill the KYC form and loan application
form and collect the data about the customers through different procedures.
MCOs investigate the agriculture pass book from land revenue department
after investigate the agriculture pass book MCOs receive the compulsory
documents that are important for loan application file i.e. two or three

ALI RAZA ARSHAAD (11014220-079)

42

BUSINESS ADMINISTRATION (MBA)

snatches with two copies of national identity card and after collecting all
information MCOs make credit investigation report. After fulfil the loan
application file, the file send to Credit administration department. MCOs also
have the responsibility for making the Credit utilization report in this report
MCOs conduct investigation that the loanee right use of credit. And also
recover the loan amount is a responsibility of MCOs.
For the purpose of reducing the corruption in the credit department in
September 20, 2006 The Zarai Taraqiati Bank Limited (ZTBL) has withdrawn
the loan sanctioning authority of mobile credit officers (MCOs) and redefined
the responsibilities of managers and other field functionaries to improve
credit delivery system and check corruption.
Before this decision the existing credit delivery system solely working under
the MCOs was not fit/ capable of expanding the business of the bank.
Branch managers and other functionaries of the bank and have also
eliminated the cash delivery outside the branches. Purpose of this decision
is to facilitate farmers and to meet their credit requirements, instead of
extending them loan for each seasons, every farmer had been given a three
years limit.
After this decision the MCOs would only have recommendation powers for
sanctioning of the loans. All the sanctioning powers have been vested in
branch managers and in case of large branches, deputy mangers have been
authorised to sanction the loans.
Accounts department:
The basic functions of accounts department in ZTBL are:

Accounts are maintained on the principal of double entry book keeping

system
Transactions are vouched
Transactions are posted / entered in the relevant books i.e. Day book,

general ledger and supplementary ledgers


Every branch has an independent accounting system and can prepare
profit and loss and balance sheet.

Nature of transactions in ZTBL gujrat branch:

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Deposits
Cash in hand and with banks
Disbursements AND recoveries OF LOANS AND ADVANCES.
Income and expenses.
Other accounts.

Types of daily transaction vouchers/advices in ZTBL:

Debit Cash Vouchers (For receipt of Cash)


Credit Cash Vouchers (For payment of Cash)
Transfer Vouchers (When no Cash is involved)
Inter-Branch Transaction Advice (Debit). For shifting of expenses

/Assets
Inter-Branch Transaction Advice (Credit). For remittances and transfer

of income
Computerization of Accounts

Books of accounts in ZTBL:

Day Book
General Ledger
General Ledger Abstract
Daily Cash and Transfer Transactions Scroll
Daily Cash Transactions Register
Night Safe Register
Loan Ledgers
Deposit Ledgers
Advances to Staff Ledgers
Income & Expenses Supplementary Books
Sundry/Suspense Supplementary Books
Dead stock Register or Fixed Assets
Pay Roll/Salary Register

Accounting procedure in ZTBL gujrat branch:

All prepared vouchers are entered at Zonal Computer Centres.


Day book is prepared on the basis of entered vouchers. Day Book is a
summary of debit and credit of each transaction by mentioning

concerned voucher number and date.


On the balancing of day book the each debit and credit entry is posted
in the relevant Supplementary Ledgers and General Ledger Moved

Accounts.
Submission of each general ledger heads is summarized and that is
known as General Ledger Abstract

Balancing of accounts in ZTBL:

Loan Accounts Balancing

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Deposit Accounts Balancing


Sundry & Suspense Adjustment
Reconciliation of Inter-Branch Transaction
Reconciliation of Bank Accounts
Balancing of Cash in Hand

Preparation of weekly and monthly Statements:


Second major function of accounts department is the preparation of
various statements
These statements are:
Weekly statements.
Monthly statements.
Credit Administration Department:
The aim of credit Administration system is to provide administration support
for pre and post loan disbursement monitoring to ensure sound landing
operations at grass root level through parallel reporting line without any
influence of business fermentation. An effective credit administration shall
also help to evolve the early warning system to help/facilitate the line
management for mitigation of the risk factors at any infancy stage.
Objectives:
The objectives of the credit administration department will be:
To ensure provision of all prescribed and stipulated loan
documents related to all transactions for the smooth
functioning of the day lending activities.
To verify legal enforceability through table scrutiny.
To ensure safe custody of collateral/security documents to
ensure its availability to authorized persons of operations with
tracking and record.
To review that pre & post documents have been obtained by
operation enabling the operation to prepare the file/cases for
disbursement of loan.
To ensure that proper space for lodging of security documents
is available.
To ensure the documents obtained are corrected, complete,
properly executed and correspond with approve loan.
To ensure that each page of documents executed have been
signed by the authorized signatories (Borrower/Bank official)
where the documents are multi-paged.

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To

ensure

correction

errors,

over

writings,

through

authentication by the authorized signatories/ executions.


To ensure that all disbursements are accurately recorded in the
bank's ledgers for monitoring, control and reporting purpose.
To ensure that an effective follow up system for routine actions
(i.e. documents, collateral, etc) is in place, and all irregularities
are recorded and reported as required.
To established an early warning system for timely remedial
actions/measures.

Functions performs in ZTBL Credit Administration Department:


CAD department shall perform following functions:
To create a congenial environment for credit proposal
processing with-in the policy frame work issued by the head
office through its circulars/ circular letters/ memos/ manuals/
policies.
To scrutinize the operations at the initial stage of approval of
credit, execution of documents, disbursement of loan, its
utilization and monitoring thereof.
TO facilitate the field functionaries to identify actionable events
with due date I.e. verification of mutation, checking of
utilization and issue of notices etc.
To develop and maintain check list of documents along with
validity and to caution the operation before expiry of legal
documents.
To prepare check list of due operational jobs and to identify
where due actions are not initiated.
To make the loan documents/files available for audit and to
ensure minimization of audit observations through proper and
error free documentation.

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Functions b

WORK FLOW CHART OF CREDIT ADMINISTRATION DEPARTMENT

Selec

Pre- appraisal & identificatio

Verificat

Entertainment of loan app

Submission
of certificate
that
al
Appraisal
of Loan
Req

Recording of sanction orders in case of his satisfaction and have power to sanction or to forward the case t

Issua
Review & Verification

Acquiring of post san


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Recording of payment orders by Branch Manager/ Authority & Release of loan by the Branch

Entry of loan case files in Safe File Register after proper paging indexi

Submission of utilization of credit & sanction of mutation report to Manager by MCO

Identification of cases in which utilizations are yet to be checked and mutations have not

Action by Manager where loans have been declared as not utilized properly or mutation

Placement of second copy of Demand Notice in the relevant s


Reporting & follow up of cases wherein the Demand Notices h
Delivery of Demand Notices to the borrowers & to pursue for Rec

Issuance of Legal Notices to the borrowers by the branch

Placement of second copy of Legal Notice in the relevant sa


Reporting & follow up of cases wherein the Legal Notices ha

Reporting & follow up of cases in default wherein due a

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Deposit department:
In the entire Banking system the deposit plays its vital & significant role for
the sustainability of an entity. The deposits of a Bank are much greater than
its own capital and these deposits are subsequently invested or lent out by
the bank. The larger the difference between the rates at which these deposit
are borrowed, and the rate at which these are lent out/or invested the
greater will be the profit margin of the bank. Moreover, larger the deposits
the larger will the funds available for employment; and larger the funds lent
out/invested, the greater will be the return earned, and greater the amount of
return greater will be the profitability of bank. Due to this inter related
relationship of the whole operational activity of a bank; deposits are referred
as life blood of a Bank.
In order to ensure its sustainability & viability, the bank must have a
dependable deposit base therefore while accepting / taking deposits, a
Banker should be very careful and keep in mind the provisions of SBP
Prudential Regulations, stipulations of Know Your Customer (KYC), Anti
Money laundering (AML) and Customers Due Diligence (CDD).Similarly
extra care is exercised in quality investment and profitable lending to ensure
the best possible earning for its stake holders.
Procedure for opening an Account in ZTBL gujrat branch:
Account Opening Form:
In year 2007, ZTBL has introduced new Account Opening Form
(AOF) ACF195-A, wherein all the features vis--vis types of
account and natures of customer have been consolidated into
one AOF.
After completion of the AOF & KYC (Know Your Customer)
Performa, the two signatures of the each operator(s) shall be
obtained against authorized signature column of Specimen
Signature Card (SS card) with special instructions, if any.
The AOF and SS cards will be filled in and signed by the
customer in presence of a Bank official.
The particulars of AOF shall be entered in the Account Opening
and Closed Register in serial order and an Account No. shall be
allotted.
The customer shall be supplied with Paying in Slip Book and
requested to deposit the money with the cashier who will put

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his/her signature on counterfoil of paying in slip. The slip than


must

be

scrutinized/stamped

and

countersigned

by

an

authorized official.
A cheque book requisition slip shall be supplied to the customer
after the deposit of money with the cashier.
Before issuance of cheque book to the customer, the signature
on Requisition Slip shall properly be verified by concerned
official.
Cheque Book will be issued after AOF has been completed in all
respects/approved and initial deposit has been received.
Documents required for opening of accounts:
Attested photocopy of CNIC or passport of the individual.
In case the CNIC does not contain a photograph, the bank should also
obtain, in addition to CNIC, any other document such as drivers

license etc that contains a photograph.


In case of a salaried person, attested copy of his service card, or any
other acceptable evidence of service, including, but not limited to a

certificate from the employer


In case of illiterate person, a passport size photograph of the new
account holder besides taking his right and left thumb impression on
the Specimen signature card.

Details of supervisors:
Supervisor names
Mr. Shahid Mehmood

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position in ZTBL bank


Manager

50

BUSINESS ADMINISTRATION (MBA)

Mr. Younis baig


Mr. Muhammad jamil
Mr. Imran Khan

Deputy Manager
Operational Manager
CAD Officer

Mr. Irshad

Cashier

Mr. Mujadad Mudassir


Miss Iram Shehzadi
Miss Iffat Maab

MCO
Additional Account Officer
Lady Computer operator

Weekly timetable:
I did 06 weeks internship in ZTBL Gujrat branch. The period of internship was 15,
July 2013 to 25, Aug 2013.

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First week:
I spend my first week (15-07-2013 to 21-07-2013) for collecting information
about the branch and introduction of all staff.
Date
15-07-2013
(Monday)
16-07-2013
(Tuesday)

Internship Activities
First day was the orientation day I meet all staff member,
learnt basic values, culture, rules and regulation of the
branch.
Second day I meet with branch manager know about ZTBL
Objectives and history and then I meet with operational
manager Mr. Mohammad Jamil and know about the basic
functions, facilities, structure, grades and departments of

17-07-2013
(Wednesday)
18-07-2013
(Thursday)
19-07-2013
(Friday)
20-07-2013
(Saturday)
21-07-2013
(Sunday)

ZTBL.
This day I performed my duty on help desk. And guide the
customers.
This day I performed my duty on help desk. And guide the
customers.
This day I performed my duty on help desk. And guide the
customers.
Bank Holiday
Bank Holiday

Name of Supervisors: Mr. Mohammad Jamil

Signature of supervisor:

_______________

Second Week:
I spend my second week (22-07-2013 to 28-07-2013) in credit department:

Date
22-07-2013
(Monday)

Internship Activities
I have learnt about the how many types of loans to be
offered to the farmer by ZTBL.

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23-07-2013
(Tuesday)
24-07-2013
(Wednesday)
25-07-2013
(Thursday)
26-07-2013
(Friday)
27-07-2013
(Saturday)
28-07-2013
(Sunday)

I came to know that what are the specifications of each


type of loan and what are the basic documents needed for
getting the loan.
I have learnt about the how can fill the loan application file
from MCO.
I spend my day on preparing the loan application file.
At the end of this week I went a village for local inquiry
with MCO and also go revenue office for investigation of
loanee pass book.
Bank Holiday
Bank Holiday

Name of Supervisor:

Mr. Mujahid Amjad

Signature of supervisor: __________________

Third week:
I spend my third week (29-07-2013 to 04-08-2013) in Credit Administration
Department:

Date
29-07-2013
(Monday)
30-07-2013
(Tuesday)
31-07-2013
(Wednesday)
01-08-2013
(Thursday)
02-08-2013

Internship Activities
I have learnt what the basic functions and procedure of
credit administration department.
I have learnt about the procedure of review and
verification of record.
I spend my day on allotment of the loan case (LC) number.
I did entry of loan case files in safe file register after proper
paging and indexing.
I learnt about utilization report and redemption procedure.

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(Friday)
03-08-2013
(Saturday)
04-08-2013
(Sunday)

Bank Holiday
Bank Holiday

Name of Supervisor: Mr. Naseem Sajid Iqbal

Signature of Supervisor: __________________

Fourth Week:
I spend my week (05-08-2013 to 11-08-2013) in Cash department:

Date
05-08-2013
(Monday)
06-08-2013
(Tuesday)
07-08-2013
(Wednesday)
08-08-2013
(Thursday)
09-08-2013
(Friday)
10-08-2013
(Saturday)
11-08-2013
(Sunday)

Internship Activities
I learnt what the basic functions of cash department.
I learnt about the procedure of cash receipts and cash
withdrawals.
I have learnt about how did entry in the daily cash
transaction register.
Eid Holiday
Eid Holiday
Bank Holiday
Bank Holiday

Name of Supervisor:

Mr. Irshad Ahmed

Signature of Supervisor: _________________

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Week Five:
I spend my fifth week (12-08-2013 to 18-08-2013) in Accounts department:

Date
12-08-2013
(Monday)
13-08-2013
(Tuesday)
14-08-2013
(Wednesday)
15-08-2013
(Thursday)
16-08-2013
(Friday)
17-08-2013
(Saturday)
18-08-2013
(Sunday)

Internship Activities
I have learnt about the basic function of accounts
department.
I have learnt about how prepare the all types of vouchers,
General Loan Ledger and Intra branch transaction
advices.
Independence day
I did prepare the DC, CC and TV vouchers and also did
the entry in the general loan ledger.
I did prepare the daily cash transfer transaction scroll.
Bank Holiday
Bank Holiday

Name of Supervisor: Mr. Mohammad Jamil

Signature of supervisor: __________________


Sixth Week:
I spend my week (19-08-2013 to 25-08-2013) in Deposit and Computer
Department:

Date
19-08-2013
(Monday)

Internship Activities
I have learnt about what types of accounts offered by the

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20-08-2013
(Tuesday)
21-08-2013
(Wednesday)
22-08-2013
(Thursday)
23-08-2013
(Friday)
24-08-2013
(Saturday)
25-08-2013
(Sunday)

ZTBL gujrat branch and its basic terms and conditions.


I have learnt how to fill account opening form. And also
did it as practical.
I have learnt about the banks official software i.e. CDMS,
DIMIS, CFOCS, ICRMS and NIVS.
I did entries on CDMS.
I did entries on ICRMS.
Bank Holiday
Bank Holiday

Name of Supervisor:

Mrs. Iram Shahzadi

Signature of Supervisor: ________________

Detailed description of the department's Operation/activities of the department


which I worked during my internship:
Credit department:
I perform some activities in the credit department. I spend my second week in the
credit department and I did some following activities:

I have learnt about the how many types of loans to be offered to the farmer by
ZTBL. ZTBL offered many types of loans I have discuss in detail about ZTBL

services.
I also learnt about the basic documents needed for getting loan. I.e.
application for loan, agriculture pass book, snatches of applicant, copies of
national identity card of applicant, good credibility and loan application file.

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I learnt and practically fill the loan application files.


I go to a village for local inquiry for the recovery of amount and also go
revenue office and see how MCOs investigate the loanee agriculture pass
book.

Credit Administration department:


I spend my third week in credit administration department and I perform some
following activities in this department:

I have learnt the basic function and procedure of this department and have
detailed described about the basic functions and procedure of the credit

administration department.
I also learnt about the procedure review and verification of record.
I spend some time on the allotment of the loan case number to the loan

application file.
I did entry of loan case files in safe file register after proper paging and
indexing. Actually when the loan is issued to the loanee after this loan file

saves in the safe and enter in the safe file register.


I learnt about utilization report in this report MCOs investigate that the loan
utilization on the right way or not?

Cash department:
I spend my fourth week in cash department, actually in this week two holidays of EID
so thats why I perform some following activities in the cash department:

I have learnt about the basic functions of cash department and procedure of

cash receipts and cash withdrawals.


I have also learnt about how did entry in daily cash transaction register.

Accounts department:
I spend my fifth week in Accounts department and perform some following activities
in the Accounts department:

I have learnt about the basic function of accounts department.

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I have also learnt about how prepare the all types of vouchers and also

prepare the debit cash, credit cash and transfer voucher.


Also learnt about the general loan ledger and intra transaction advices.
Also did prepare the daily cash transfer transaction scroll and did the entry in
the general loan ledger.

Deposit department:
I spend last week in deposit department and I perform some following activities in the
deposit department:

I have learnt what types of accounts offered by the ZTBL gujrat branch and its

basic term and conditions.


I have learnt how to fill account opening form.
I also fill the account opening form as practical.

Computer department:
I spend my last week in computer department and perform some following activities
in this department:

I have learnt about the bank official softwares i.e. CDMS, DIMIS, COFCS,

ICRMs and NIVS. And also learnt about the functions of these softwares.
I did entries on CDMS and also did entries on ICRMS

Detailed description of Tasks assigned:


I did internship in ZTBL GUJRAT branch and I worked under the different supervisors
and I spend one week in each department and in this period supervisors assigned
some task and I performed some task.
Credit department:
Supervisor told me about the procedure and functions of credit department and
assigned me some following tasks:

Go to the village and call for the repayment of loan.


Fill the loan case files
Check the loan case file and make sure that all the required documents are
complete and available.

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Credit Administration department:


First of all Supervisor told me about the procedure and functions of this department
and assigned me some following tasks:

Discover the loan case file with the help of loan case register.
Supervisor assigned me a task to find out the objection in which the rejected
loan case file.

Cash department:
Supervisor assigned me a following task:

Check the validity of some cheques


Collected utility bills and posted them

Accounts departments:
I spend my fifth week in accounts department and supervisor told me about the
procedure and functions of accounts departments and assigned me some following
tasks:

Fill debit cash vouchers


Fill credit cash vouchers
Fill transfer vouchers
Prepare daily cash transaction scroll

Deposit department:
Supervisor told me about the account opening procedure and assigned me some
following tasks:

Fill know your customer (KYC) form.


Fill Account opening forms

Computer department:
Supervisor assigned me some following tasks:

Data entering in CDMS


Data entering in ICRMS

Summary:

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In this chapter I discussed in detail about the ZTBL GUJRAT branch where I did my
internship. First of all I informed about all the staff of the branch and salaries and
their job designations. Detail of supervisors and a weekly timetable where I write
about my daily activities which I perform during my internship. And also detail
description of all departments where I worked during my internship and detailed
descriptions of all assigned tasks and also described about the activities of the
departments I worked during my internship. This whole chapter provided all
information about my internship activities and ZTBL's branch where I did my
internship.

Summary of learning:
The skills and qualification I think I have gained from the internship:
It was a really nice opportunity for enhancing the skills and qualifications, every
student in any field of study should do internship in his or her relevant field in order to
get the practical experience. I think I have gained following skills from internship:

Enhance communication skills


How deal with customers
Practical knowledge
Know about the behaviour of other people
Organizational culture and organizations ethics values
Professional skills
Time management
Dealing with obstacles
How to satisfy your customer
Got knowledge about the banks official softwares
How manage the risk
Got experience about banking sector

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How banking business is different from other businesses


How work as a team member
What are the motivation factors
How make the Decisions
Enhance my interpersonal skills by interacting with customers
How make the different policies
How manage the conditions when you working under the directions

The responsibilities I have undertaken during my internship period:


During my internship in ZTBL GUJRAT branch I have been given many types of
responsibilities which I have done very carefully. Many tasks were given me alone to
do. I worked hard to do them. Through my internship I came to know about the true
meanings of responsibility. From the responsibilities given to me I learned how to
work under the supervision of any person. Following are some responsibilities which
were given to me during internship:

Go to village and call for the repayment of loan.


Fill the loan case files
Check the loan case file and make sure that all the required documents are

complete and available.


Discover the loan case file with the help of loan case register.
Supervisor assigned me a task to find out the objection in which the rejected

loan case file.


Check the validity of some cheques
Collected utility bills and posted them
Fill different vouchers
Prepare daily cash transaction scroll
Fill account opening forms
Data entering in CDMS and ICRMS

How internship will influence on my future career plans:


Working for six weeks in ZTBL GUJRAT branch as an internee was very revealing
experience for me. During this time I learnt many new things which are surely going
to help me in my future professional career. It was a good experience for me to
observe and to be the part of practical working of a highly regarded organization like
ZTBL. During the internship I got a chance to understand general customer's
behaviour and his needs and wants related to banking services and products. It will
help me in future for getting a job as an experience. Through internship I came to

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know that bookish knowledge is not enough for a bright future we should get
experience or learn the application of our classroom knowledge.
It will help me as customer of bank. Through my internship I got habit of working for
long hours which will definitely help me in future. Working as an internee I improved
my communication skills which will help me in society. I got a habit of casual dressing
from internship. I learnt how to behave as an employee in any organization which will
help me in that organization in which I will work in future. I got a lot of knowledge
from internship which will definitely help me in future. I got knowledge about the
working in any bank so it will help me choosing the job in bank is better or not. I
learnt the ethics from internship which will help me in future life.
How do you think the internship activities that you carried out are correlated
with your class room knowledge?
By working in any organization I came to know that the practical somehow different
from the classroom knowledge. In classroom we have been taught only the previous
searches and knowledge but in practically field, there is lot of competition. You would
have to run fast to achieve your goal. There was application of accounting rules of Dr
and Cr which was same like book, but other things I started to learn from zero. The
benefit of classroom study is that after getting training in any organization in any field
you will be able to apply the bookish knowledge. From the start we can't do
everything efficiently and effectively. From internship I came to know that only
bookish knowledge or classroom study is not enough for any job experience is most
necessary thing which can be getting only by practical. So there should be the
practical of classroom study in the institution. Classroom study is a base for a person
to making the decision because it has been merged in mind and become a part of
our mind. It helps us in any phenomena in which we are working.

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Conclusions of the report:


A summary of key conclusions derived from the internship experience:
During my internship here in ZTBL, I found that ZTBL has high level of
professionalism and challenging environment and its culture is friendly. ZTBL seems
Top Agriculture Financing in the future as indicated by the financial indicators. It
keeps energy and potential to serve the deserving clients in all over the world. The
bank has set itself a vision to be a world-class bank. This can only be achieved with
dedication and a passion to excel in every activity. I really admire ZTBLs policy
makers for designing investor friendly and customer oriented products.
The bank is really working well and contributing a valuable part in the economy of
Pakistan through tax, giving loan to government, giving loans to the businesses for
their survival and expansion, generating a well skilled human resource and
employment etc. During this internship, I really learned Professionalism, leadership
skills, communication skills, problem solving skills, situation analysis skills and how to
become a good mentor etc.
ZTBL is a specialized institute which provides financing facilities to the people of rural
areas and in this way it is contributing its part for the development of the country. Due
to a government owned organization the politicians and other higher authorities
sometime use it to give benefits to their families and friends and this also effects the
growth of the bank. However the bank has improved itself a lot, the profit of the year
of 2008-12 and decline in Non Performing Loans are clear signs of improvements.

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The few things on which the bank has to focus is implementation of information
technology with faster pace, improving branch infrastructure and working of its
human capital to make them motivated.
General observations:
I observe about ZTBL as an internee:

ZTBL directly finance to the agriculture sector this is good for the economy of

Pakistan
ZTBL need to advancement in new technology and need to upgrade branches
High political interference
Mostly seasonal work in the ZTBL need to convert into the daily bases work
Favouritism and nepotism and also corrupt system
Now ZTBL maintain computerised record of their customers
Marketing is very necessary for the ZTBL because ZTBL start collection of

utility bills and also western union facilities


ZTBL have branches all over the country need to open more branches
ZTBL staff very cooperative with their customers
Mostly customers are satisfy with the polices and rules

SWOT analysis of ZTBL:


In SWOT analysis identify the organization internal
strength

and

weakness

and

also

identify

the

organization external opportunities and threats. All


organization always uses their strengths and avail
opportunities avoid threats and reduce the weakness.
So for this purpose ZTBL have research and
development department. When you know about your
strengths, weakness, opportunities and threats you
easily make plan about the future.
The unique strengths are internal abilities of an organization that can be used to
have a competitive advantage for the organization. Weaknesses inherent in
organization are those that need improvement for better functioning of an
organization. Opportunities are those which are available to organization currently as
well as in the foreseeable future. Threats are those that organization faces from its
competitors, regulatory bodies, and technological change or customer preferences.

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The identification and analysis of strengths, Weaknesses, opportunities and threats


is focal to any strategic process.
Strengths:
Enrich Agri-relationship of 50 years
Extensive countrywide network of 370 branches
Grass root level contact with the farmers through functionaries
Predominant position in agriculture finance market
Support of Government, State Bank of Pakistan and International

Development Institution in respect of restructuring


Supervised and diversified credit system
Marketing is done with customer friendly cues and language
Employees having first hand experience with farmers hired from remote

areas
Availability of Staff training facilities
A Govt. Organization
Give Agriculture based many types of loans
Secure employee job
Play vital role in economic stability
Weaknesses:
No marketing
Lack of IT experts
Lack of technology
poor perceived image
Improper planning
Less fixed assets
Lack of motivation of employees
Improper distribution of work
political interference in operational and administrative matters of bank
centralized administrative and financial authority
Skill miss-match of staff
Aged work force
Over supervised management structure
Lack of commercial mindset
Weak and cumbersome systems and procedures
Strongly entrenched resist to change
Around 600 pending disciplinary cases
Opportunities:
Online banking system
Advancement of technology
Large number of unemployed educated people
Hire professionals
Investment in industrial sector
Huge untapped ruler market potential of about Rs. 300 billion
Huge untapped micro finance market segments
Potential for bringing huge uncultivated areas under production
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Potential for expansion through mobilization of rural and urban savings


Potential for marketing new product lines on commercial basis
Post restructuring potential for obtaining financial credit lines
Threats:
Competitive commercial banks
Bad debts
Underdeveloped banking system
Advancement of other banking sector
External pressure to implement non-commercial directives
Various unrecovered loans taken by big guns
Agricultural losses
Energy crisis
Khata system
Political and economic instability and law and order situation
Water disputes within country
Public sector organization

Recommendations:
I have realized that ZTBL bank is performing very well since its inception. But as we
know that nothing is perfect, there is always a scope for improvement, so I will
recommend following suggestions for ZTBL:

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ZTBL need to advancement in new technology and need to upgrade branches


In ZTBL High political interference so ZTBL need to remove this interference
Mostly seasonal work in ZTBL need to convert into daily bases work
Need to control Favouritism, nepotism and corruption
Need to advertise their products and services through proper channels
ZTBL need to recruit highly educated and skilled work force and need to
recruit the professionals and experts (IT, Finance, HR and Marketing etc.)

work force and need to trained the old staff


ZTBL need to support the industries that are support the agriculture sector of

Pakistan.
ZTBL need to change their old policies and make new policies that are
customer friendly.

References:
From Web Pages:
1. Website name: www.ztbl.com.pk, Retrieved date: 22, July, 2013.
From URL: http://www.ztbl.com.pk/index.htm.
2. Website name: www.ztbl.com.pk, Retrieved date: 22, July, 2013.
From URL: http://www.ztbl.com.pk/ZTBLSchemes.htm
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3. Website name: www.ztbl.com.pk, Retrieved date: 23, July, 2013.


From URL: http://www.ztbl.com.pk/rba.htm
4. Website name: www.ztbl.com.pk, Retrieved date: 23, July, 2013.
From URL: http://www.ztbl.com.pk/agritech.htm
5. Website name: www.ztbl.com.pk, Retrieved date: 23, July, 2013.
From URL: http://www.ztbl.com.pk/locker_Facility.htm
6. Website name: www.ztbl.com.pk, Retrieved date: 23, July, 2013.
From URL: http://www.ztbl.com.pk/westernUnion.htm
7. Website name: www.ztbl.com.pk, Retrieved date: 17, August, 2013. From
URL:http://www.ztbl.com.pk/Documents/CREDIT/ZTBLCreditRatingOnMay20
13.pdf
8. Website name: www.ztbl.com.pk, Retrieved date: 17, August, 2013.
From URL: http://www.ztbl.com.pk/board_of_directors.htm
9. Website name: www.ztbl.com.pk, Retrieved date: 18, August, 2013.
From URL: http://www.ztbl.com.pk/importantDownloads.aspx

Appendix and supplementary material:

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