Table of Contents

S.No.
Page
1 Introduction 02
2 Vision Statement 02
3 Head Office 03
4 Financial Data
03
5 Products & Services
04
6 Division of ZTBL
06
7 SWOT Analysis
07
8 Conclusion
08
 Introduction
Agricultural Development Finance Corporation was created in 1952 under a
Central Act for the purpose of expanding financial facilities and promoting
the development and modernization of agriculture in Pakistan. In 1957, the
Agricultural Bank of Pakistan was established and advanced both short and
long term loans. Both these institutions were merged as Agricultural
Development Bank of Pakistan in February 1961. On December 14, 2002, the
Federal Government converted the Agricultural Development Bank of
Pakistan (ADBP) into Zarai Taraqiati Bank Ltd (ZTBL). The new corporate
structure redefined the banks as a single public limited company with an
independent Board of Directors.
Zarai Taraqiati Bank (ZTBL) was registered under the Companies Ordinance
1984, and all assets, liabilities and proceedings were transferred to and
vested in Zari Taraqiati Bank with effect from December 14, 2002
The Zarai Taraqiati Bank Limited (ZTBL) (formerly known as Agricultural
Development Bank of Pakistan) is the largest public sector financial
development institution in Pakistan. The bank serves around half a million
clients annually and has over one million accumulated account holders and a
wide network of 32 Zonal Offices, 9 Audit Zones and 448 branches in the
country. ZTBL is also providing branch less banking facility to its customers
through Upaisa, a joint effort by ZTBL and U Microfinance Bank Limited.

Corporate Vision Statement

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

Corporate Mission

To play effective role in the promotion of economic growth, by enhancing the

availability of credit to the agriculture sector, through reliable access to
sustainable financing, special lending programs, technical assistance, and
other products & services, and to promote career development opportunities
for increasing professionalism and technical proficiencies of employees.
Objectives
Helping the farmer community to raise their productivity and also to increase their levels
of income by using delivery of credit on time, ancillary services and advisory.
To build the image of ZTBL as a proactive, client friendly, financially and operationally
sustainable with indigenous product deployment.
To strengthen the agriculture sector.

Head Office and Branches

ZTBLs head office is located in Islamabad. It has about 448 branches
in the whole country.

Shareholding Structure
Number of
Sr. no Names of shareholders Amount (RS.)
shares
01 Government of Pakistan 1251189067 12511890670
02 Government of Punjab 277100 2771000
03 Government of Sindh 119000 1,190,000

03 Government of KPK 71740 717400

04 Government Balochistan 35900 359000

Government of Erstwhile East 527500 5275000
05
Pakistan

Financial Data as per Dec. 31, 2015

Particulars Amount
Total Assets 18757 Billion
Total Liabilities 10836 Billion
Net Assets 7921 Billion
Net Profits after Taxation 527 Billion
Earnings Per Share 4.211 per share
Board of Directors

Functions
ZTBL works for the development of agricultural sector and to reduce
poverty from the sector which is 67% of the whole population.
Just like other conventional banking it accepts deposits from people
having excessive money and lend to people who need it. The major focus is
on Agricultural sector.
It provide finance in various categories. It provides short term loans for
productive activities like seeds, fertilizers and operating expenses while it
provide long term loans for huge investment like for buying tractors, tube
wells thrashers etc.

Products
Products and services includes:

Deposits (Fixed, Saving, Current Accounts & Zarai Bachaat Scheme)

Credit Schemes

Upaisa (Branch less Banking facility)

Locker Facilities

Home Remittance

Hajj applications

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

Credit Schemes
Banks provide loans through various products and schemes for short, medium and long term
depending upon the cash flow of the borrowers. The bank gives special focus and importance to
fulfil the genuine and real needs of small farmers in terms of production loans (fertilisers and
seeds, pesticides and labour charges etc) as well as for working capital purpose. The bank also
provides development loans to farming community like tractors, loans for poultry and livestock,
fisheries, plantation and irrigation schemes.
Following are the schemes

Maximum credit limit

Maximum credit limit of loan is RS 1.00 million per borrower.
Lending criteria
The bank advances preferably to small farmers and following criteria is observed in over all
distribution.
o Subsistence farmers 70 %
o Economic farmers 20%
o Big farmers 10%
o Production loans 77.5%
o Development loans 22.5 %

DIVISIONS OF ZTBL
President's Secretariat
HR Division
Finance & account division
Credit Division
Research & Planning
Information System
Operations
Recovery & SAM
Field Audit
Legal & Vigilance
Services
Agriculture Technology

CLASSIFICATION OF FINANCE & ACCOUNTS DIVISION

In order to classify the finance and accounts division of ZTBL, there are four departments, which
plays very important role in financial affairs and keeping the records of all the transaction which
are done through bank zones and branches, preparation of accounts, financial statements of the
bank, distribute and to reconcile funds of all zonal offices and branches of the ZTBL Heads
Office.
Finance and accounts department consist of four major departments and their sub departments/
sub units.
1. Central Accounts Department (CAD)
a) Policy Unit
b) Accounts Unit
c) Tax Unit
 d) Fixed Asset Unit (FAU)
e) Pre-payment Verification Unit (PVU)
2. Head Office Accounts Department (HOAD)
a) Payroll Unit
b) Fund Unit
c) Payment unit
d) Intra Branch Transaction (Reconciliation) Unit (IBTU)

3. Regulatory Reporting Department (RRD)

a) Regulatory & Internal Reporting Unit (RIRU)
b) Financial management Information Unit (FMISU)
4. Budget & Fund Reconciliation Department (BFRD)
a) Budget Planning Unit
b) Budget Analysis Unit
c) Treasury Unit
d) Fund Reconciliation Unit (FRU)

SWOT ANALYSIS

STRENGTH
CREDIT RATING
JCR-VIS credit Rating Company has reaffirmed the medium to long-
term entity rating of AAA (Triple A) with a Stable outlook and short term
rating of A-1+ (A-One Plus) assigned to ZTBL.
Pakistan is an agriculture country with major portion of its economy
dependent on agricultural sector. ZTBL recognizes this responsibility and
thus also caters to agriculture sector which promises high returns.
ZTBL has monopoly as it is the leading institution working for the agricultural
sector.

Weakness

There is understaffing in some of the branches which causes

unnecessary work burden on employees decreasing their efficiency.
Risk management in ZTBL is still in the process of restructuring
according to JCR-VIS credit Rating Company
Lack of Refreshment Courses:
 Lack of Online banking Facilities

Opportunity

Mobile CREDIT
ZTBL can start mobile credit which is the best way to effectively utilize its
present resources to gain a competitive edge.
Agriculture sector
ZTBL issue a large amount of capital to agriculture sector. If this sector utilize
its resources, it can earn more profit.

Threats

Agricultural sector comprises of 67% of whole population but ZTBL has not
covered the whole sector.

CONCLUSION
The bank ZTBLs financial indicators show that it will remain Top
Agriculture Financing bank in future. It has the ability to come up with
innovative financial solutions to cater to the unique needs of each customer
in the least time, accuracy, precision and consistency of service. 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. 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. but the allocation of funds still require attention. To reduce
poverty, small farmers must be entertained first but unfortunately they fail to
get assistance from the bank. The bank should focus on marketing to do
more business and start online banking.