ZARAI TARAQIATI BANK LIMITED

Monthly Operations Report

ZONE:- JHANG
BRANCH. AKRIAN WALA For the Month of JUNE ,2019.

1. Reciept and Disposal of Loan Applications during the Month

Production Loan Development Loan Total
Particulars Cases Amount Cases Amount Cases Amount
B/F From Previous Month - - - - - -
Application Received
Total 76 36.563 10 9.568 86 46.151
Rejected
Cancellation After Sanction
Disbursed 270 127.289 50 34.949 320 162.238
Pending for Payment - - - - - -

2. Loan Disbursement
During Month Progressive % Against
Annual Prop.
Target Target Annual Prop.
No. Amount No Amount
Category Target Target
Production Loan 251.943 125.972 76 36.563 270 127.289 50.52 101

Development Loan 82.099 41.05 10 9.568 50 34.949 42.57 85.14

Total 334.042 167.022 86 46.151 320 162.238 48.57 97.14

3. Recovery
Recoverable RECOVERY
Particulars PD CD+ADV Total PD CD ADV TOTAL %age
During the Month - - 11.780 30.055 8.597 50.432 -
Progressive 254.769 338.962 593.731 57.373 117.975 32.062 207.41 34.9%

4. Deposits
Deposit Accounts %against Amount
Target
Particulars No. Amount Opened Closed Target Less/Excess
During the Month - 78 0.606 78 3
Progressive 44.490 436 1.231 436

5. Recovery out of Non – Performing Loans (NPL).

TOTAL NPL CATEGORY WISE RECOVERY TOTAL NPL
Particulars
CASES AMOUNT OAEM
SUB
DOUBTFUL LOSS RECOVERY
STANDARD

During the Month 363.284 17.055 9.358 0.504 1.865 28.782

Progressive 39.565 42.822 7.987 5.011 95.385

Total 36.284 39.565 42.822 7.987 5.011 95.385

6. Recovery out of SAM Loans

Particulars Recoverable Recovery Recovery %
Opening Balance 48.309 - -
Addition During Month - - -
Total 48.309 2.200 4.5%

7. Recovery Suits Filed in Banking Tribunals / SRCs.

Cases
Opening Bank's Against
PARTICULAR decided by Amount Recovered Closing Balance
Balance Favour Bank
the Court

No. Of Cases 27 - - - - 27

Amount 20.334 - - - - 20.334

8. Tractor Loan case information.

No. Of Cases in which DD No. of cases in which No of cases in which Registration No. Of cases pending for
issued documents received arranged Registration.

0 0 0 0

Name & Signature Name & Signature Name & Signature

AM(Ops) MANAGER ZONAL CHIEF
From Pre-Page

9. Fraud / Forgery cases

Opening Balance Added during Year Settled / Closed Closing Balance
Particulars No. Amount No. Amount No. Amount No. Amount
Fraud & Forgery - - - - - - - -
Cases With Court - - - - - - - -

10. Recovery Notices

Notices Received
Notices Notices to be issued Actually Issued
undelivered.
Demand - - - - - - - -
Legal - - -
11. Loan Cases Declared Mis utilized
Particulars Opening Balance Added Month Amount Recovered Closing Balance
No. of Cases. - - - - - - - -
Amount - - - - - - - -
12. Settlement of Audit Observation
Observations of
External/
Description Internal Audit SBP Commercial Auditors Z.Chief TOTAL
Opening Balance 11 - - - - - 11
Addition During Month - - - - -
Total - - - - -
Settled During the Month - - - - -
Closing Balance 11 - - - - - 11
13. Balancing of Loan / Deposit / Books of Accounts
Balanced Not Balanced Balanced as on.(Date)
Loan Accounts 30.06.2019 - - 30.06.2019
Deposit Accounts 30.06.2019 - - 30.06.2019
Books of Accounts 30.06.2019 - - 30.06.2019
14. Other Operations (General Credit)
Unadjusted/un responded No.of entries
Description Utilization Checked Mutation Checked Sundry Suspense Central A/C
Opening Balance - - - -
Added during the month - - - -

Sanctioned/Adjusted/Respond
ed/ Arranged during the month - - - -
Closing Balance - - - -
15. Missing/Burnt Safe Files
Opening During the month No. of files with
Description Balance Added Traced Reconstructe Loans fully repaid Closing Balance
No. of Files 3 - - - - 3 -
Amount 0.362 - - - - 0.362 -
16. Utility Bills and Western Union
Particulars Target Achievement %age

Western Union 0 0 0%
Utility Bill Collection 0 0

Assistant Manager (Ops). (Manager)

 CIRCLE WISE SUMMERY OF RECOVERABLE AND RECOVERY JUNE-2019
NAME OF BRANCH: AKRIAN WALA

CIRCLE Recoverable Recovery Durning the Year BALANCE RECOVERABLE % Age

CODE NAME OF M C O PD CD Total PD CD ADV TOTAL PD CD TOTAL PD CD Total
35 Nasir Ali 120.408 122.014 242.422 19.859 29.336 11.402 60.597 100.549 81.276 181.825 16.5 33.4 25.0
49 M.Abrar Sabir 58.565 93.049 151.614 16.892 37.837 7.912 62.641 41.673 47.300 88.973 28.8 49.2 41.3
99 RIAZ AHMED 42.227 87.242 129.469 11.761 35.305 9.010 56.076 30.466 42.927 73.393 27.9 50.8 43.3
101 M.Asif.Raza 33.569 36.657 70.226 8.861 15.497 3.738 28.096 24.708 17.422 42.130 26.4 49.7 40.0
TOTAL 254.769 338.962 593.731 57.373 117.975 32.062 207.410 197.396 188.925 386.321 22.5 44.3 34.9

CIRCLE WISE SUMMERY OF RECOVERABLE AND RECOVERY JUNE- 2018

CIRCLE RECOVERABLE TARGET RECOVERY RECOVERY %AGE

CODE NAME OF M C O PD CD Total PD CD Total PD CD ADV Total PD CD Total
35 Nasir Ali 68.700 145.060 213.760 8.840 46.400 12.180 67.420 12.9 40.4 31.5
49 M.Abrar Sabir 56.403 92.495 148.898 12.338 36.254 7.093 55.685 21.9 46.9 37.4
99 RIAZ AHMED 33.573 77.879 111.452 9.989 37.535 6.870 54.394 29.8 57.0 48.8
101 M.Asif.Raza 26.517 45.689 72.206 5.861 20.217 3.293 29.371 22.1 51.5 40.7
TOTAL 185.193 361.123 546.316 37.028 140.406 29.436 206.870 20.0 47.3 37.9

Assistant Manager (Ops). (Manager)

 CIRCLE WISE SUMMERY OF DISBURSEMENT FOR MONTH OF JUNE-2019
NAME OF BRANCH: AKRIAN WALA
LOAN
CIRCLE TARGET DISBURSEMENT ACTUAL DISBURSMENT NO. OF BORROWER SERVED OUTSTANDING
CODE NAME OF M C O PRODUCTION DEVELOPMENT TOTAL PRODUCTION DEVELOPMENT TOTAL OLD NEW TOTAL
35 Nasir Ali 101.85 33.192 135.042 33.754 10.564 44.318 6 76 82 268.495
49 M,Abrar Sabir 65.615 21.385 87 41.146 8.950 50.096 6 91 97 157.146
99 Riaz Ahmed 54.310 17.69 72 36.689 9.779 46.468 8 83 91 140.159
101 M.Asif Raza 30.168 9.832 40 15.700 5.656 21.356 3 47 50 73.425
TOTAL 251.943 82.099 334.042 127.289 34.949 162.238 23 297 320 639.225

CIRCLE WISE SUMMERY OF DISBURSMENT FOR THE MONTH JUNE-2018

LOAN
CIRCLE DISBURSMENT TARGET 90% OF RECOVERY ACTUAL DISBURSMENT NO. OF BORROWER SERVED OUTSTANDING
CODE NAME OF M C O PROD DEV TOTAL PROD DEV TOTAL OLD NEW TOTAL
35 Nasir Ali 46.200 20.000 66.200 50 10 60 278.887
49 M,Abrar Sabir 32.781 74.510 40.232 65 2 67 173.395
99 Riaz Ahmed 38.646 10.350 36.005 68 4 72 141.602
101 M.Asif Raza 15.755 4.405 17.105 30 5 35 85.700
TOTAL 133.382 109.265 93.342 163 11 174 679.584

Assistant Manager (Ops). (Manager)

 ITEM – WISE BUDGET / EXPENDITURE EVALUATION REPORT FOR MONTH OF JUNE, 2019
BRANCH. ZTBL AKRIAN WALA BRANCH

RESPECTIVE
BUDGET PROPOTIONA PROGRESSIVE EXPENDITUR
ITEMS TE BUDGET EXPENDITURE E EXCESS SAVING %AGE
1 2 3 4 5=2-3 6=2-3 7
Traveling Expenses -

Tours 40000
Transfer
Training 24164
Over Time
Telephone 13700 -
Vehicle (Jeep)

POL Expenses 164482

Repair Expenses 27965
Registration / Token ETC.
MCO Motor / Cycle Expenses
POL Expenses 215385
Repair Expenses 15350
Registration / Token ETC.
Other Expenses
Other than pay & Allowances -
Total 501046
Assistant Manager (Ops). Manager
 CERTIFICATES
It is certified that:-
I All control & subsidiary books of accounts have been properly maintained and are

Authenticated by the Manager / Deputy Manager / Assistant Manager Operation.

(In case of any short comings, the same may be described on separate sheet with action

Proposed to be taken).

II- a) All loan accounts are properly maintained / reconciled with computer produced

Statements/Record up to.30-06-2019

b).Unadjusted entries are properly adjusted up to date.

III- All Deposit Accounts Ledgers are complete, correct, up to date, balanced as on 30.06.2019

IV All accounts maintained with the bankers are duly reconciled as on 30.06.2019
V- Utilization of loans have been checked by the MCOs in 100% cases, Manager and Z.M.Rcy.

have checked according to prescribe ratio / quota.The Utilization reports have been filed in the

concerned safe files. The cases in which the Loans were found misutilized, action prescribed

for recovery has been initiated or detailed Information about non – compliance attached.

VI- Outstanding entries under Central Account / Suspense account And Sundry Deposit Account

have been adjusted as per Bank's instructions.

VII- All instructions / circulars / Circular letters received from Head Office during the month have

been read and understood by all employees.

VIII- All the Registers prescribed by the Bank are being properly maintained.

IX- The seating arrangements / security arrangements / fire fighting equipment prescribed by the

Head Office are in order.

X- The information in the monthly operations report has been incorporated correctly.

XI- All safe document including Test Key are kept under Lock & Key and nothing is missing.

XII- The SBP License for opening of Branch is properly displayed.

XIII- The employees service Record is properly maintained.

xiv All GL-Heads of NIFT,Western Union and Insurance are reconciled.

xv No passward of the authorized officer of Branch is being shared with any unauthorised person.
Branch has arranged insurance of Crop,Tractor , Live-Stock and not a single case is un-insured
as on 28.02.2019 All pending insurance claim data with SBP is available with Branch & Branch
xvi has also received polices of all insured cases.
Branch has arranged insurance of Crop,Tractor , Live-Stock and not a single case is un-insured
xvi as on 28.02.2019 so received polices of all insured cases.

Assistant Manager (Ops) Manager

SEAL & SIGNATURE SEAL & SIGNATURE

ZONAL MANAGER (Ops). (Zonal Chief)

SEAL&SIGNATURE SEAL&SIGNATURE