l

Internship
Report on
ZTBL

ZTBL Liaquat Pur Branch (22309)

Submitted by:
SYED TAHSEEN RAZA
Roll # 01
M.COM 4th (Morning)
Session 2018-2020

Submitted to:

ZAHID ALI SB
Internship coordinator

Department of Commerce
Islamia University

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Internship report on ZTBL

Bahawalpur

Executive Summary

There is no doubt that banking is one of the most sensitive business all over the
world. Banks are very important in economy of every country all over the world. No
doubts, in Pakistan banks play very important role in economy of Pakistan. This
report is about one of the leading Agriculture Bank of  the Pakistan known as Zarai
Taraqiati Bank Limited.

It is providing both type of severs financial and non-financials mostly to its clients of the rural
areas of the Pakistan, which comprises of 68% of the Pakistan’s total population.
And now-a-days ZTBL shows their interest in the Commercial Area such as receive
deposit and bill although money transactions such as express Money from Abroad.
ZTBL has very extensive branch network of 352 branches and their Head Office in Islamabad.
Due to increasing the interest of commercial banking, there are many competitors in the industry.
ZTBL facilitate low income people providing loan to them such as Production scheme and
Lending scheme.

The branch in which I got training have following departments: Account opening, Remittance,
Clearing, Government, Deposit and Credit. Cash section which is very sensitive and important
because all transaction is taken place and Credit is very important by the bank because it increase
the profit of the bank.

During my internship in Liaquat Pur Branch of Zarai Taraqiati bank limited I did work in
opening the bank accounts, issuance of cheque book. I also helped the customers in filling the
deposit slips and did confirm about whether the cheque is genuine and properly filled. I also did
task of collecting ATM cards, kept record of them and issued cards to the customers also.
Moreover I received mails of the bank and did some work in customer relation department also.

There are many problems in the system such as only some branches are online and cash
department is not familiar with computer and information system. To overcome this problem
bank must be established a research department that will help out these problems and also help in
marketing

The objective of this internship is to explore practical exposure and resolve problems that will
occur in my theoretical concepts. I also understand the importance of the banking companies for
the economy as well as for the society.

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 Acknowledgment

All praises to Almighty ALLAH Almighty and our Holy Prophet Muhammad PBUH who
gave me the courage and patience for completion of this final report.

I wish to acknowledge my gratitude to my inspiring Teachers of my institute for their

endless persistence, support and encouragement, and for providing me a lifetime opportunity to
work with ZTBL.

I am also very thankful to ZTBL Branch, Liaquat Pur and the Branch Manager Mr.
Abdul Saboor Shakir & Branch Operations Manager Attia Naz who gave me opportunity to work
with experienced persons in their organization. I am also thankful to my, my parents, family and
friends that continually offered encouraging support.

Syed Tahseen Raza

M.Com 4th

Department of Commerce

Islamia University

Bahawalpur

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Internship report on ZTBL

Table of Content

1. Background of Company
2. Conversion of ADBP into ZTBL
3. Vision, Mission and Objectives
4. Vision
5. Mission
6. Objectives of ZTBL Bank
7. Organization Culture
8. Department of ZTBL
9. Deposit Department
10. Remittances Department
11. Organization Organgram
12. Products and Services

ACCOUNT OPENING DEPARTMENT

1. TYPES OF ACCOUNTS
2. Account Opening
3. Personal learning Objectives
4. Learning from the Organization
5. Application of Class room Learning

ANALYSIS

1. Financial Analysis
2. SWOT ANALYSIS
3. PEST Analysis

RECOMMENDATIONS

FINAL CONCLUSION

INTERNSHIP LETTER

ANNEXURE
1. First fortnightly report
2. 2nd fortnight report
3. 3rd fortnight report

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INTRODUCTION

Background of Company
Pakistan is an agricultural country and more than 60% of its population is working related
to agriculture. A development in the agricultural sector will no doubt result in the
development of the whole country. To keep With a view to meet this basic need the Agricultural
Development Finance Corporation was set-up in 1951, and was entrusted with o f
providing financial facilities for the development and
modernization of agriculture, including: Forestry, F ishery, Animal Husbandry,
Poultry, and Dairy.
Farming, L a t e r o n t h e A g r i c u l t u r a l D e v e l o p m e n t B a n k o f P a k i s t a n w a s
a l s o established in September 1957, under the Agricultural Development Bank Act.
The Bank is to provide credit in cash or in kind, warehousing and storage facilities to
agriculturists, cooperative societies and other bodies, of which the majority of members are
agriculturists.
As the functions of the Agricultural Development Finance Corporation and
Agricultural Development Bank were similar and since both were working with capital
provided by the Government, they were merged in t o one or ganizati on know n as
Agricultural Developme nt Ban k of Pakistan on February 18. 1961.
Zarai Taraqiati Bank of Pakistan is the largest agriculture bank in the country. It has
many branches in all over the country. First the head office of the ZTBL was located
in Karachi and was shifted to Islamabad later  during 1973. Presently there are 9
division and 33 departments in the head office. It has 492 branch offices and a wide
network of 32 zonal offices, 9 audit zones apart from 8 audit directorates in the
field, two staff colleges at Islamabad and Karachi. To cater for loan requirement of
the forming community their door steps over 1408 Mobile Credit Officers have been
deployed in the field, each covering 25 villages in an average. T h e b a n k c a n c h a r g e 1 4 %
i n t e r e s t . T h e a u t h o r i z e d c a p i t a l o f t h e Z T B L i s Rs.25,000,000,000. This amount is
divided into Rs.2, 500,000,000 ordinary shares &the price of each share is ten rupees. The
total number of shares of the ZTBL isRs.1, 186,961,000 and paid up capital is
Rs.11, 869,612,000 of the ZTBL. Z T B L h a s o n e c h a i r m a n , o n e p r e s i d e n t a n d 4
d i r e c t o r s . T h e t o t a l n u m b e r o f employees is 5500, while 982 employees are provided by
the KSSL. The seven meetings of the board are held during each year. The overall
management, functions, meetings of the ZTBL is control by two committees known
as “Board &Management Committees”

ZTBL President is Muhammad Shahbaz Jameel. The bank's branches would soon be connected
online. Pakistan is one of the agricultural country, about 75% of its population is
directly or indirectly associated with agriculture. Due to its widespread and

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Internship report on ZTBL

extensive canal system, its land is very fertile. Later On February 18, 1961, due to
their similar functions these both came under the single banner of Agricultural
Development Bank of Pakistan. Agricultural Development Bank of Pakistan (ADBP) Under
the ADB Ordinance 1961 the Agricultural Development Bank of Pakistan (ADBP)
was established originally.

Conversion of ADBP into ZTBL

Agriculture Development Bank of Pakistan (ADBP) was converted into ZaraiTaraqiati Bank Ltd
(ZTBL) by the Federal Government and it started its operations with profound
effect. It was restructured accompanied with new board of directors and was titled as public
limited company. . In 1984 Zarai Taraqiati Bank (ZTBL) under the company’s
ordinance was registered with SECP as a  public limited and by virtue of finance order, all
assets, liabilities proceeding undertaking of the ADBP stands transferred to and vested in
ZaraiTaraqiati Bank with effect from December 14, 2002. T h e c o n v e r s i o n o f
ADBP into ZTBL had a conditionality of the Asian Development
B a n k   (ADB) loan framework as per which a restructuring exercise was initiated.

National Operation The ZaraiTaraqiati Bank Limited runs its operation in whole Pakistan and
also outside Pakistan for this choice was the better profitability and less risky portfolio which
made'' it a good choice for investors. On April 8th, 1991, the management control was given to
National Group (the highest bidders). Initially only 26% of shares were sold to private sector at
Rs. 56 per share a n d t h e p e r s o n s c o n d u c t i n g s u c h b u s i n e s s . T h e b a n k ’ s t o t a l
m a n p o w e r i s 7 6 6 5 h a v i n g 4 5 1 5 officers and 3150 staff. It has 32 zonal offices
and 492 branches throughout the Pakistan including the Federally Administered
Tribal Area (FATA), Federally Administered Northern Area (FANA) and Azad
Jammu and Kashmir.

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Vision, Mission and Objectives

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

Mission
To play an 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, products& services, and to promote career
development opportunities for increasing  professionalism, technical proficiencies
& trainings of employees.

Objectives of ZTBL Bank

1. Develop and operate as a financially and operationally sustainable R.F.I of the country.

2. Assist rural community, particularly the small farmers, in raising their productivity and
income levels through timely delivery of credit, advisory and ancillary services.

3. Build ZTBL's image as a proactive, client friendly, financially & operationally

sustainable with indigenous product deployment.

4. Establish and provide backward and forward linkages to strengthen agri. value added
commodity chains.

5. Engage in public - private and wholesale - retail partnership to deepen outreach and
reduce operating cost.

6. 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.

7. Open up its venues of operation to Domestic & International Banking Industry to avail
comparative advantages.

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Internship report on ZTBL

Organization Culture

“A pattern of basic assumptions that the group learned as it solved its problems of
external adaptation and internal integration that has worked well enough to be considered valid
and, therefore, to be taught to new members as the correct way to perceive, think and feel in
relation to those problems.”

ZTBL culture is suitable to the formers because in that bank wants to improve their relationship
with the customers and bank standard compare to the former. And now ZTBL bank scope change
from Pakistani banks like commercial banks, ZTBL now start focusing on the commercial area
such as accepting deposits, receiving bills etc.

Department of ZTBL
Organizations cannot function without proper arrangements for its specific takes and duties.
“The process of grouping jobs according to some logical arrangements” is called
departmentalization. ZTBL is divided into five departments. Following are five types of the
departments established in the said branch to facilitate the customers.
 Deposits Department
 Remittances Department
 Clearing Department
 Advances Department
 Foreign Exchange Department
But in first two weeks I worked in two departments, Deposits and Remittances departments.

Deposit Department
Deposit department is one of the most important and main department of the bank. It performs
the vital function in the bank because it deals with the supply of money to the bank. Deposits are
the inputs of a bank. Deposits department is just like a heat, as it function other department also
run, otherwise the whole system paralysis. Each and every bank tries its best to increase their
deposits. Deposits depict the financial strength of a bank. Zarai Taraqiati Bank Limited is a
unique and crucial institution, which is able to increase credit in the country.
 Current A/c
 PLS Saving A/c
 Basic Banking A/c
 Zarai Junior A/c

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Remittances Department
Remittance department performs the function of remitting funds i.e. to transfer funds for
customers from one location to another. The transfer of funds may be from one branch to another
or from one bank to other Remittances mean “the transfer of money or fund from one place to
another place through bank”. It may be “inland remittance” or “Remittance”
 Within locality.
 Outside locality.

Within Locality:-
A branch situated in Liaquat pur is required to send the draft to any other branch situated in the
same locality; the process will say to be within locality. I.e. ZTBL Liaquat pur branch, this is
known as within locality.

Pay Order
Pay order is used for payment within the cities; the main purpose of pay order is to make
payment in record this payment in the bank as evidence. Bank charge the commission for its
services. The purchaser fill an application form, which includes the amount of payment or order,
the name of the payee and complete address of purchaser and payee application form is also
signed by the purchaser.

Outside locality:-
Outside locality is an important type of inland remittances. Outside locality means the transfer of
money payable outside the city i.e. ZTBL Liaquat pur Branch, sent any draft to a branch situated
in Multan city. It is commonly done through the following four means.
 Telegraphic transfer.
 Demand draft
 Mail transfer
 Bank Draft

Telegraphic Transfer:
Telegraphic transfer is an important mode of remittance. It is the quickest mean of transferring
the funds from one place to another place by the use of telephone or telegraphic. Now a day, new
technology is used for this purpose i.e. fax, e-mail. The big traders and businessman use this
method of remittance in this method of remittance the purchaser is not responsible for the
dispatch.
Demand Draft & Pay Order:
For safe, speedy, and reliable way to transfer money, ZTBL Demand Drafts and pay orders are
available for customers at very reasonable rates. Any person whether an account holder of the

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Internship report on ZTBL

bank or not, can purchase a Demand Draft from a bank branch. A demand draft is an order drawn
by a bank on its branch or on another bank in a different place requiring the later to pay on
demand the sum of money specified in the draft. Pay order is just like demand draft except the
pay order is made for local transfer of money whereas demand draft is meant for remittances of
funds from one city to another.

Mail Transfer:
Mail transfer draft is one of the bank modes of remittance. Mail transfer is issued by one branch
of bank to another branch of the same bank by instructing to branch to pay the other branch by
issuing mail transfer receipts. In M.T the purchaser is not responsible for dispatch, but the bank
will be responsible for dispatch.
Bank Draft:
Bank draft is the most important type of remittance. Draft is an instrument issued by a bank.
Draft is issued by one branch to another branch out of the city. The difference branches of same
bank can issue the bank draft to each other and it is also called the banker cheques i.e. the main
branch of ZTBL in Rahim yar khan issued the draft to the ZTBL Multan.

Products and Services

ZTBL, there are the following types of accounts:

 Current A/c
 ZTBL Asaan A/c
 Basic Banking A/c
 PLS Saving A/c
 PLS Term deposit A/c
 Business deposit
 Zarai Bachat A/c
 Zarai Term deposit A/c
 Zarai Junior A/c
 Zarai Munafa
 Mustaqbil Mehfooz
 Rozana Bachat

ZTBL, there are following types of Lending Schemes:

Production Scheme:

 Awamizarai scheme (farmer credit)

 Kissan dost scheme

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 Sadabahar scheme

 Awamizarai scheme ( farmer credit)

Development Scheme:

 Camel rearing scheme

 Agri financing scheme

 Khawateen rozgar scheme

 Shamsi tawanai scheme(solar pumper)

 Tawani bchat scheme(biogas unit)

 Tahafuz samer scheme(vegetable and fruits)

 Sugat-e-shireen scheme(Gur making)

 Thafuz e ajnas scheme

 Tobacco burn financing scheme

 Special product milk chilling unit

 Red meat scheme

 Rural development scheme

 Khusk hratab scheme

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Internship report on ZTBL

My Grooming

2.1 ACCOUNT OPENING DEPARTMENT

In ZTBL Liaquat pur Mrs. Attia Naz (AMO) is operating the account opening department along
with performing some auxiliary functions of Check Book Issuing.

TYPES OF ACCOUNTS
In ZTBL, there are the following types of accounts:

 Current A/c
 ZaraiMunafaTerm Deposit Certificate(ZMTDC)
 Basic Banking A/c
 PLS Saving A/c
 PLS Term deposit A/c
 Business deposit
 ZaraiBachat A/c
 Zarai Term deposit A/c
 ZTBL Junior A/c
 Zarai Munafa
 Mustaqbil Mehfooz
 Rozana Bachat

Current Account
In current account there is no interest on it. It is for only transaction purposes. They are paid on
demand. When a banker accepts a demand deposit, he incurs the obligation of the paying all
cheques drawn against him to the extended of the balance in the A/c. As there is no profit paid on
this account it is also called chequing account because cheques can be drawn on it. Current
account is mostly opened for business.

PLS Savings Account

PLS Savings Accounts are opened, on proper introduction and submission of required documents
along with initial deposit prescribed form time to time. PLS Savings Account are opened for
individual , charitable institutions, provident, firms, companies, joint stock companies, local
bodies, autonomous bodies, educational intuitions etc.

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Minimum balance will be notified from time to time. There is presently no upper limit of deposit
and number of withdrawals that can be made by cheques and no restrictions on amounts that can
be withdrawn from PLS Savings Accounts.

The proportion of profit or loss shall be determined by the bank. The profit will be paid on the
minimum balance between the six and the last day of the month. The profit/loss, earned /incurred
on PLS account will be credited/debited as determined by the bank. The account holders
undertake to reimburse the bank with any claims in respect of losses /charges on the basis of half
yearly/yearly closing of it’s the bank’s books of accounts.

PLS Term Deposit Certificate:

PLS showing T.D. is accepted by the bank in multiple of Rs.1000 for a period not less than three
month. The amount of the PLS term deposit and the return there on is on profit and loss sharing
basis and subject to the bank’s terms and conditions governing the profit and loss sharing term
deposit rate. The bank’s determination of profit & loss share is final and binding for the
depositors for all purposes.

In case TDR is not en-cashed on the expiry of the period, the amount will be transferred to
matured P&L sharing term deposit account on next working day of the date of maturity. In case
the deposit fails to turn up for renewal instructions, the matured deposit will be eligible for the
rate of profit fixed for PLS saving account.

Zarai Term Deposit Certificates:

Zarai Term Deposit Certificates are issued by the bank with minimum sums as prescribed form
time to time.Zarai Term Deposit Certificates can be obtained by all who are allowed to open CD
& PSL Saving accounts.

The Zarai Term Deposit Certificates are accepted for minimum period three month, and
depositor would inform at the time of placement for renewal or encashment of deposit on
maturity. On expiry of deposit will seize to eligible for sharing its profit at the term deposit rate.
It will be transferred to overdue PLS term deposit.

The Zarai Term Deposit Certificates will be eligible for payment of profit on the condition that
they will not be withdrawn from the bank before maturity. In the event, any deposit wishes to
withdraw the funds earlier than three months, he will forego his right to share profit on his
deposit for the period the deposit remained with the bank.

On the maturity of zarai term deposit, the depositor shall have the option either to withdraw the
deposit and the amount of his share of profit, if any or renew the deposits, with or without the
amount of accumulated profit.

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Internship report on ZTBL

Business Deposit Account:

Business Deposit Account is opened, on proper introduction and submission required documents
along with initial deposit prescribed form time to time. Current Account is opened for individual,
firms, companies, joint stock companies, local bodies, autonomous bodies, educational intuitions
etc. Business Deposit Account cannot be used for business purposes.

The Business Deposit Account should be opened with a minimum balance of Rs.10000/- .All the
Business Deposit Account already opened with the amount less then Rs.10000/- and still having
balance less then Rs 10000/- may either be converted into Current account or PLS saving
account on the option of account holder.

There is present no upper limit of deposit and number of withdrawals that can be made by
cheques and no restriction on amount that can be withdrawn from business deposit accounts. The
proportion of profit shall be determined by the bank, in its sole discretion and the bank’s decision
would be final and binding on the customers.

Zarai Bachat Account:

ZaraiBachat Account is opened, on proper introduction and submission required documents

along with initial deposit prescribed form time to time. Zarai Bachat Account is opened for
individuals, sole proprietors, partnership & limited companies.

Initial deposit for the account as well as the minimum balance for the profit is Rs.20000/-.

Basic Banking Account:

Basic Banking Account are opened in all zarai taraqiati bank branches with a minimum deposits
of Rs.1000/-. No un-remunerating charges on this account and there is no limit of minimum
balance, however when balance in the account remains nil for six month period, the account will
be closed.
ZTBL junior Account:
ZTBL junior A/c prevailing PLS Saving A/c rate. Initial deposit of Rs. 1000/- after completing
all pre-requisites stipulated by SBP/Banks procedure in vogue. Profit calculation on daily
product basis to be credited in the account on quarterly basis.Account to be opened in the name
of Minor and operated by parent/Guardian. Single debit transaction restricted to 50000/- and first
cheque book is free, birthday surprises and Welcome pack at the time of A/c opening.
Mustaqbil Mehfooz Account:

Mustaqbil Mehfooz A/c is prevailing 5% interest rate and Short term deposit scheme for a fixed
period of 3 and 6 months. Minimum deposit is 50000/- and in case of premature encashment OR
after maturity PLS Saving A/c rate shall be applied.

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Rozana Bachat Account:

Rozana Bachat A/c is prevailing 4.50% to 5.60% interest rate. Initial deposit of 10000/- and no
limits of withdrawals. Profit shall be calculated in quarterly basis. Two DDs and Two POs shall
be issued free of charge during the month if average balance of Rs. 200000/- maintained.

Zarai Mnafa Term Deposit Certificate (ZMTDC):

ZMTDC is prevailing 5.00% interest rate. Initial deposit of 0.100 million and scheme is
restricted for bank employees and their relatives. Profit shall be paid at maturity and in case of
premature encashment OR after maturity PLS Saving A/c rate shall be applied.

Account Opening
The general banking performs various functions among them the first and most important
function is A/C opening. The process of opening an account is very simple and anybody who
would like to open his account could do it easily without any difficulty.

Procedure for Account Opening

1) Application Form
The customer would like to open his account is required to meet with the manager or second
officer, who will give him an “APPLICATION FORM” specifically used for account opening.
Separate color-coded Application Form is available for each type of account. So that a particular
colored form is given to the customer to fill in for opening a related account.

2) Specimen Card
As I have already mentioned about “SIGNATURE SPECIMEN CARD”. This card contains
three signatures of an applicant, applicant A/c no, A/c type, branch code, title of A/c, it will be
attached with an application form. Banker uses this card at the time when he receives the
cheque; he compares customer’s signature with the signature on the cheque for avoiding fraud.
Manager has every right not to accept this contract if he is not satisfied by the details provided by
the customer.

3) Account Opening Register

The manager records the necessary details into this register and allots an a/c number from this a/c
opening register. This register is maintained for each type of account and the a/c numbers are
allotted serially. After opening a saving and current account every applicant’s data is entered
into the computer to maintain a safe record and application form is properly filled so that it can
be available when necessary. For fixed deposit only that application form is needed this is
prepared manually, because most of the procedure of fixed deposit is done manually.

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Internship report on ZTBL

4) Cheque Book
Cheque book is issued to the customer when the bank accepts the A/C opening application form.

Letter of Thanks
Bank prepares two ‘LETTER OF THANKS’ one for the new customer and the other for his
introducer. This act promotes good will among the customer and the introducer.

SPECIFIC DOCUMENT REQUIRED AS PER ‘TYPE OF ACCOUNT

 Individuals Accounts

A photocopy of any one of the following valid identity documents:

i. Computerized/ Smart National Identity Card (CNIC)/ (SNIC) issued by NADRA.

ii. National Identity Card for Overseas Pakistani (NICOP) issued by NADRA
iii. Pakistan Origin Card (POC) issued by NADRA
iv. Passport; having valid visa on it or any other proof of legal stay along with passport
(foreign national individuals only
v. In case of a salaried person, in addition to CNIC/SNIC, an attested copy of his service
card or last month salary slip or any other acceptable evidence of service, including,
but not limited to a certificate from the employer will be obtained.
vi. In case of individuals who are Self-Employed / Professionals /Private Business
Owners, BM must perform physical verification to ascertain genuineness of customer
and his/her source of funds and expected type of counter parties. (Fact should be
evidenced through VISIT Report).
vii. In case of non-salaried/un-employed individual, KYC should be conducted with extra
vigilance and source of income/ funds should be validated prudently
viii. For Housewife accounts, branches are required to obtain self-declaration for source of
funds, funds providers, beneficial ownership of funds

 Sole Trader / Proprietorship

Following documents must be obtained:

i. Photocopy of identity document of the proprietor.

ii. Registration certificate for registered concerns.
iii. Sales tax registration or NTN, wherever applicable.
iv. Declaration of sole proprietorship on business letter head.
v. Account opening requisition on business letter head.

 Partnership Account

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Following documents must be obtained:

i. Photocopy of identity document of the all the partners and authorized signatories.
ii. Attested copy of ‘Partnership Deed’ duly signed by all partners of the firm.
iii. Attested copy of Registration Certificate with Registrar of Firms. In case the partnership
is unregistered, this fact shall be clearly mentioned on the Account Opening Form.
iv. Authority letter from all partners, in original, authorizing the person(s) to open and
operate firm’s account while ensuring that the given mandate does not violate or
contradict with provisions of the partnership deed. Accordingly it should be ensured that
AOF/ SS card is signed by the authorized partners only.
v. AOF must contain full information about all partners regardless of them being signatories
or not.

 Companies registered under companies ordinance 1984

i. Certified copies of:
a. Resolution of Board of Directors for opening of account specifying the person(s)
authorized to open and operate the account. (Duly Signed by all
b. Directors OR Company Secretary) and company seal is affixed however the
signatories on Board of Resolution for opening an account shall be governed by
Authorities spelled out in the Memorandum & Articles of Association
c. Memorandum and Articles of Association.
d. Certificate of Incorporation.
e. Certificate of Commencement of Business, wherever applicable.
f. List of Directors on ‘Form-A/Form-B’ issued under Companies Ordinance 1984,
as applicable.
g. Latest List of Directors.
ii. Photocopies of identity documents of all the directors and persons authorized to open
and operate the account.

Closing of an Account
There are no. of reasons of closing an account. Some are listed below:
1) If customer desires to close his account
 In case of death of one account holder.

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Internship report on ZTBL

 Bankruptcy of the account holder.

 If an account contain nil balance or not up to the requirement of rules.
Before closing any account, bank send letter to the account holder for informing him that his
account is going to be closed. There is need an approval from higher authority to close any
account.

Personal learning Objectives

There is no limit to the learning potential of a work placement, but most learning can be
categorized under the following:

Communicate with colleagues, clients, and the community in general through business
correspondence, report writing, presentation, face-to-face or telephone communication, and non-
verbal communication. Develop good work habits such as behaving professionally; complying
with company regulations and work conditions, carrying out your placement duties, and
behaving appropriately to the work environment. All this enhanced my personal learning towards
practical work.

Learning from the Organization

Working at ZTBL Liaquat pur, I got professional judgment and professional exposure at the
maximum level. I got professional skepticism in order to get each and every transaction
transparent. I became punctual and time conscious and self-energized. It is the prime
responsibility of the internee that he should remain active all the time and so I was.

I became disciplined and well organized while working at ZTBL. I learned to respect all the
clients and customers and my colleagues.

Application of Classroom Learning

I learned from the classroom to be active and punctual all the time and having the skepticism in
dealing with any of the transaction. It is obvious that you show what you have learnt. My
classroom learning has really helped me to carry out the practical work at bank. I made myself so
vigorous and vigilant in carrying out the activities.

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 Analysis

Financial Analysis

RATIO ANALYSIS

The term “Ratio” means “the relationship between any two variables”, while analysis is a tool,
which is used for checking the overall performance of any organization. In other words, the
ratios analysis is used to identify the financial strengths and weaknesses. For this purpose, we
use ratio analysis of financial statements such as, balance sheet and income statement. However,
“ratio analysis is a tool, which involves methods of calculating and interpreting financial ratios to
analyze and monitor the firm performance”. The auditor main work to calculate the ratios and
check the company position is company working in good position are not. There are many ratios
such as liquidity ratios, profitability ratios, debt ratios, activity ratios. For this purpose, we use
data from 2013, 2014, 2015 annual reports of the ZTBL, to check the liquidity, leverage
and profitability.
Liquidity Ratios: 

It is measured by its ability to satisfy short-term obligations when they become due. There are
many ratios of liquidity such as, current ratio, quick ratio and networking capital, which is given
as under:

CURRENT RATIO:

Formula of current ratio: current assets/current liabilities

2014 2015 2016

135310144/73992073 148796037/28233224 168243242/96641435

1.828 2.001 1.740

Current ratio of
ztbl is increasing during 2015 too much. During this year ztbl not take the sub ordinated loans.
So this is good sign for ztbl in 2016 it again decrease because ztbl again increase their liabilities.

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Internship report on ZTBL

NET WORKING CAPITAL:

Formula: current assets – current liabilities

2014 2015 2016

61318071 120562813 71601807

Net working capital also increasing this is good sign for any organization. When net working
capital is in negative like liability is greater than assets then this is not good for the
organization .if net working capital is in positive people would like to invest in that company.

Return on assets ratio:

Formula Net income/ total assets

2014 2015 2016

0.103 0.043 0.066

This statement show that the return on assets is decreasing. Like return on assets of 2014 is more
than the 2016. This that organization is unable to manage its assets portfolio properly and unable
to earn money through its assets.

Return on equity:

ROE Net income/total equity

2014 2015 2016

0.113 0.044 0.068

Same like return of assets decreasing return on equity, but it also increasing in 2016 as compare
to the 2015. In 2015 return on equity is decreasing this is not good sign for the company .The
bank has less earning as company to the bank equity .high return on equity greater will be the
opportunity to earn return same like return on equity will be the less opportunity for return.

20
Basic earnings per share

2014 2015 2016

2.696 4.326 4.211

The Earning per Share of ZTBL increased in 2015 as compare to 2016 but 2016 is more than the
2014 this show increasing trend. As a result of proper utilization of resources and decrease in
costs, the net profit of the company has been increased over the years. The second reason is that
the company enhances its infrastructure at a low cost. All these arrangements results in increase
of earning per share

TOTAL DEBT TO TOTAL ASSETS RATIO

2014 2015 2016

3.5699933 0.3123704 1.3680178

NET PROFIT MARGIN

Formula= Net income/ sales

2014 2015 2016

3376559/12943416 5417384/15495473 5272621/18259348

0.2608708 0.3496108 0.2887628

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Internship report on ZTBL

Balance sheet

Assets 2014 2015 2016

Cash and balance with treasury banks 3627922 4102133 2516338
balance with other banks 9113832 5982441 16408511
lending to financial institution 3646716 820190 0
investments net 23609958 29337315 19765649
advances net 95311716 108553958 129552744
operating fix assets 1347307 1581077 2101177
deferred tax assets net 0 1528810 446941
other assets net 11790826 11656953 16782760
TOTAL ASSETS 148448277 163562877 187576135
LIABILITIES
BAILLS PAYABLE 706265 561964 346059
Borrowings 55174903 969349 57143100
deposits and other accounts 14906582 26701911 35947953
sub ordinated loans 3204323 0 3204323
liabilities against assets subject to finance 0 0 0
lease
deferred tax tax liabilities net 130022 0 0
liabilities net
other liabilities 41842923 10698014 11721237
115965018 38931238 108362672
NET ASSETS 32483259 124631639 79211448
REPRESENTED BY
Share capital 12522441 12522441 12522441
reserves 3506658 4590135 5644659
unappropriated profit 13597945 14553175 18716929
Share deposit money 0 89490985 40155992
surplus on revolution of assets net of tax 2856215 3474903 2171427
TOTAL 32483259 124631639 79211448

22
23
Internship report on ZTBL

Balance sheet

Vertical Analysis

Assets 2014 2015 2016

Cash and balance with treasury banks 11.169 3.291 3.177
balance with other banks 28.057 4.800 20.715
lending to financial institution 11.226 0.658 0.000
investments net 72.683 23.539 24.953
advances net 293.418 87.100 163.553
operating fix assets 4.148 1.269 2.653
deferred tax assets net 0.000 1.227 0.564
other assets net 36.298 9.353 21.187
TOTAL ASSETS 456.999 131.237 236.804
LIABILITIES
BAILLS PAYABLE 2.174 0.451 0.437
Borrowings 169.856 0.778 72.140
deposits and other accounts 45.890 21.425 45.382
sub ordinated loans 9.865 0.000 4.045
liabilities against assets subject to finance lease
deferred tax tax liabilities net 0.400 0.000 0.000
liabilities net
other liabilities 128.814 8.584 14.797
356.999 31.237 136.802
NET ASSETS 100.000 100.000 100.000
REPRESENTED BY
Share capital 38.550 10.048 15.809
reserves 10.795 3.683 7.126
unappropriated profit 41.861 11.677 23.629
Share deposit money 0.000 71.804 50.695
surplus on revolution of assets net of tax 8.793 2.788 2.741
TOTAL 100.000 100.000 100.000

24
 Balance sheet

HORIZANTAL ANALYSIS
Assets
Cash and balance with treasury banks 2014 2015 2016
balance with other banks 100.000 113.071 69.360
lending to financial institution 100.000 65.641 180.040
investments net 100.000 22.491 0.000
advances net 100.000 124.258 83.717
operating fix assets 100.000 113.894 135.925
deferred tax assets net 100.000 117.351 155.954
other assets net 0.000 100.000 29.235
TOTAL ASSETS 100.000 98.865 142.337
LIABILITIES 100.000 110.182 126.358
BAILLS PAYABLE
Borrowings 100.000 79.568 48.998
deposits and other accounts 100.000 1.757 103.567
sub ordinated loans 100.000 179.128 241.155
liabilities against assets subject to finance 100.000 0.000 100.000
lease
deferred tax tax liabilities net
liabilities net
other liabilities 100.000 0.000
100.000 25.567 28.012
NET ASSETS 100.000 33.572 93.444
REPRESENTED BY 100.000 383.680 243.853
Share capital
Reserves 100.000 100.000 100.000
Unappropriate profit 100.000 130.898 160.970
Share deposit money 100.000 107.025 137.645
surplus on revolution of assets net of tax 0.000 44.872
TOTAL 100.000 121.661 76.025
100.000 383.680 243.853

PROFIT AND LOSS

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 Internship report on ZTBL

STATEMENT

2014 2015 2016

Mark up/ return/interest earned 12943416 15495473 18259348

mark up/ return / interest 3892880 2399949 6016569
expensed
Net mark up /interest income 9050536 13095524 12242779
provision against non-performing loan and advances net 104343048 1381324 -573110
provision for diminution in value of investments net 0 0 0
the value
write off under government relief package 7911 113663 160009
Bad dets written off 0 0 0
directly
net mark up/ interest income after provision 7999577 11600537 12655880
NON MARK UP /INTEREST
INCOME
Fee commission and brokrage 13512 28410 40919
income
division income 51667 66737 81805
income from dealing in foreign currency 0 0 0
gain on sale of securities 30399 118136 366437
unrealized gain and loss on revolution of investment classified 0 0 0
other income 4816973 4299889 5093503
Total non-mark up interest income 12912128 16113709 18238544
NON MARK UP/INTEREST
EXPENSES
Administrative expenses 7708726 7786170 9800810
provision against net 36394 -10666 34936
other assets
other charges 464 11099 23974
total non-mark up/interest expense 7745584 7786603 9859720
EXTRA ORDINARY /UNSUAL
ITEMS
PROFIT BEFORE 5166544 8327106 8378824
TAXATION
taxation current 1799026 2973440 2257101
prior years 62 4245 361424
Deferred -9103 -67963 487678
PROFIT AFTER 3376559 5417384 5272621
TAXATION

26
 PROFIT AND
LOSS
STATEMENT

Vertical Analysis

2014 2015 2016

Mark up/ return/interest earned 100.00 100.000 100.000
0
mark up/ return / interest expenses 30.076 15.488 32.951
Net mark up /interest income 69.924 84.512 67.049
provision against non-performing loan and advances 806.14 8.914 -3.139
8
provision for diminution in the value of investments 0.000 0.000 0.000
value net
write off under government relief package 0.061 0.734 0.876
Bad dets written off directly 0.000 0.000 0.000
net mark up/ interest income after provision 61.804 74.864 69.312
NON MARK UP /INTEREST INCOME 0.000 0.000 0.000
Fee commission and brokage income 0.104 0.183 0.224
division income 0.399 0.431 0.448
income from dealing in foreign currency 0.000 0.000 0.000
gain on sale of securities 0.235 0.762 2.007
unrealized gain and loss on revolution of investment 0.000 0.000 0.000
classified
other income 37.216 27.749 27.895
Total non-mark up interest income 99.758 103.990 99.886
NON MARK UP/INTEREST EXPENSES 0.000 0.000 0.000
Administrative expenses 59.557 50.248 53.676
provision against other net 0.281 -0.069 0.191
assets
other charges 0.004 0.072 0.131
total non-mark up/interest expense 59.842 50.251 53.998
EXTRA ORDINARY /UNSUAL ITEMS 0.000 0.000 0.000
PROFIT BEFORE TAXATION 39.916 53.739 45.888
taxation current 13.899 19.189 12.361
prior years 0.000 0.027 1.979
deferred -0.070 -0.439 2.671
PROFIT AFTER TAXATION 26.087 34.961 28.876

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Internship report on ZTBL

PROFIT
AND LOSS
STATEMEN
T

2014 2015 2016

Mark up/ return/interest earned 100.00 119.717 141.071

0
mark up/ return / interest expenses 100.00 61.650 154.553
0
Net mark up /interest income 100.00 144.693 135.271
0
provision against non-performing loan and advances 100.00 1.324 -0.549
0
provision for diminution in the value of investments net
value
write off under government relief package 100.00 1436.77 2022.614
0 2
Bad dets written off directly
net mark up/ interest income after provision 100.00 145.014 158.207
0
NON MARK UP /INTEREST
INCOME
Fee commission and brokage income 100.00 210.258 302.835
0
division income 100.00 129.168 158.331
0
income fromefromdealing in foreign currency 0.000
gain on sale of securities 100.00 388.618 1205.425
0
unrealized gain and loss on revolution of investment classified
other income 100.00 89.265 105.741
0
Total non-mark up interest income 100.00 124.795 141.251
0
NON MARK UP/INTEREST
EXPENSES
Administrative expenses 100.00 101.005 127.139
0
provision against net 100.00 -29.307 95.994

28
other assets 0
other charges 100.00 2392.02 5166.810
0 6
total non-mark up/interest expense 100.00 100.530 127.295
0
EXTRA ORDINARY /UNSUAL
ITEMS
PROFIT BEFORE 100.00 161.174 162.175
TAXATION 0
taxation current 100.00 165.281 125.462
0
prior years 100.00 6846.77 582941.935
0 4
deferred 100.00 746.600 -5357.333
0
PROFIT AFTER TAXATION 100.00 160.441 156.154
0

SWOT ANALYSIS

Strength

 ZTBL has a brand name in agriculture, its 1 st and large bank in Pakistan for agriculture
financing.
 ZTBL has no competitors in the market, some banks started lending facility for agri.
business but due to lack of efficient team of MCO’s those banks had to suffer heavy loss.
 In Pakistan, majority of the farmers is poor that’s why farmers are required to get loan
from the bank so ZTBL has a very vast market to operate in.

Weakness

 In spite of presence of technology many jobs are done manually.

 Most of employee’s even senior managers are computer illiterate.
 Lack of online banking system.
 Lack of efficiency of employees.

Opportunities

 The bank started computerizing its operations that will increase the bank performance.
 Bank has the good reputation in the market and its employees are highly trained for agri.
business

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Internship report on ZTBL

 ZTBL now focusing on commercial banks that’s the biggest opportunity in banking
sector. Like accepting deposits, receiving bills etc

Threats

 Natural calamities are also a problem, the bigger part of the bank customers relies on the
environmental conditions.
 The climate of the earth is rapidly changing due to which heavy rains and floods are often
anticipated. This is an alarming situation for ZTBL to operate in the market being an agri.
lender.
 Example of 2010 flood is still in front of us those who are affected are unable to pay their
loans back.

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PEST Analysis

Political:

 Fully effect on lending

 Political lending may cause of decrease efficiency
 That’s may increase in NPL
 Due to political pressure staff could not work effectively

Economical:

 Economic stability increase the performance of ZTBL

 If economic system is strong then ZTBL play a key role to increase in productivity.
 Staff cost.
 Operating cost.
 Bad debts

Social & Cultural:

 Inadequate human resources.

 Cultural strain to loan and now savings because of culture.
 Defaulter’s lobby.
 Culture preference has great effect like formers borrow money from ZTBL than other
banks because that’s specialization in loan.

Technological:

 Latest technology that’s increase the performance of institute like ZTBL

 New software’s like CBAS,CDMS etc
 Without technology banks could not survive in the market

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Internship report on ZTBL

Recommendations

i. Before adopting or changing any rules or policies of the bank, efforts should be made to
first of all provide sufficient training to the staff. Providing proper training to the staff
member periodically
ii. For avoiding duty timing problem, all the departments should have appropriate staff
members.
iii. The banks may choose to make its existing products distinctive or to introduce new
products. It is often easier to benefit from adverse changes made by other banks than to
attract customers by innovations.
iv. A short term promotional technique is to offer price incentives, for example, low interest
rates on advances or limited issue high profit bearing term deposits. Longer term, a Loss
Leader may be offered. For example, profit bearing current accounts are not very
lucrative but any bank cannot afford not to offer these. The reduced profits can be
augmented by profits made on other products.
v. It might be possible to attract another type of personal customers through business
accounts, namely directors and denier employees, etc. Again an incentive package could
be put together.
vi. It is widely known that there is a substantial Black Economy in Pakistan, Where people
earn income that is undisclosed to the revenues authorities.
vii. Arguably, there has been a little encouragement from banks to persuade people to open a
bank account.
viii. It is also possible to attract/retain personal customers by investment in new technology
like ATMs and Telephone Banking facilities, which made the services quicker, easier,
cheaper and more flexible.

FINAL CONCLUSION

No doubt ZTBL is having a lot customers and resources (financial, Human resources, etc) but the
time is came when competition will force company to change its policies to become favorite in
banking world within Pakistan & keep its current place & customer base because at present the

32
Pakistan economy is feeling heat of recession, as a result banking sector in Pakistan will be
directly affected.

It is established that ZTBL is one of those banks, whose progress is good comparatively and a
higher profit rate. And now ZTBL trends start to be changed in commercial area which I
completely discuss in this report.

In my 8 week internship I learn lot of practical work such as firstly I work in bank as filling the
voucher and prepare the loan case file for giving the loan to the customers. And after that
experience about effective lending system in ZTBL and also learn software’s like CBAS, CDMS
and other many software’s. Side by side of it I think that if bank would be able to cover and
control on the above mentioned recommendations then it would be in such a situation that will
really lead it towards the road of prosperity, development and integrity and there’s customers
side fault because they could not co-operate with the bank if they co-operate than that will be
really a good, ambitious and diligent condition for the bank.

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Internship report on ZTBL

Annexure
First fortnightly report
Plan of Internship Program:

A brief introduction of branch where I did internship

I preferred to do my internship at ZTBL the reason was that it is largest and leading agriculture
banks of Pakistan and I want to continue my learning at well reputed organization which would
be productive both for the organization and me as well. ZTBL is responsible to provide all
services to its customer.

When I joined the bank, I had no practical experience with regard to working of a regular bank.
Then I got an opportunity from the university authorities to join and work with ZTBL to get
experience of the rules and regulations that bank follows.

I left the bank with a thirst to learn more. I seek a chance in order to survive in a banking
environment.

Branch of ZTBL where I did my internship is located in Liaquat pur. By size, it’s a large level
branch having more than 15 employees working in it. There are 8 office and 3 boys working in
the bank. All offices are well furnished and managed accurately that there is no confusion or
mistake occurs in finding any office. By look its building look is very attractive.

The working and learning environment of the bank is very valuable and high quality. Employees
are ready to coordinate with you in all of your queries. I worked there for six weeks are learned a
lot in this very short span of time. The whole staff of ZTBL bank is very promising and
intellectual, expert in their work, well-mannered and efficient.

When you enter the bank, you can feel the difference at first sight. This branch is on the way of
progress by leaps and bound.

Details of Training department wise

I worked in two departments as follows;
 Operation deportment
 General Banking

Task which I performed in the bank:

I have performed different tasks in ZTBL Bank, First week I have spent in account opening
department and I learned how to open different types of accounts including individual’ joint
account and partnership account and I learn how to issue cheque book and ATM card and second

34
week I spent in the cash department in this department I learn how to pay the cash to the
customers and how to receive cash from the customer and also the process of online transactions.
There are three type of voucher that are used in cash depart

1 Debit voucher

2 Credit voucher

3 Transfer voucher

Loan Filing:
This assignment was given to me by Mr. Abdul Shakoor Shakir(Branch Manager) in my
internship. He gave me different type of loan files. There I had to check that whether these are
dead cases or running cases, I also checked the status of the loan files and after checking the
status of the files and there type I gave the report to Mrs. Attia Naz . I also made proposals of
new generated loans and also the renewal of the loans. Loans are granted to the former by
mortgage some fixed property, for confirmation of the value of the property the department
appointed a staff member to visit the site and verify the value of the property to be mortgage.
They also checked the stock of the businessmen, and verify it after that they set the limit to
which they had to give loan, after completion of this confirmation they issued the loan on
business name.
General Banking:
I did work with Mrs. Attia Naz and leaned there that how to open a new account in the bank, it
was a good experience to help the people and to let them know the procedure of account
opening, Mrs. Attia Naz helped me in knowing the procedure of opening the account in ZTBL
Bank. There are three types of accounts like current, Savings and term accounts and also
required some data relative to open the account. In first step I checked the basic requirements
like name address, ID card verification, the next procedure is to filing the opening form which
was a bit difficult to fill so at each and every part I was there to tell the people that how can the
form be filled. Then the minimum deposit, then the issuance of cheque book, in this part the
checks that all the fields in the Account Opening Form have been duly filled, and the relevant
account documentation required from the customer depending on the type of account are
completed and attached with the form.
As all the operations of ZTBL Bank are online, for this symbol software is used and the
employees have their own id’s and passwords, and the external persons are not allowed to use
the id’s, they also deal the customers by replying their mails and through telephone calls of the
customers and the procedure to deal with them. I was given a task to collect the posts of the bank
for different departments, ZTBL Bank Liaquat pur Branch uses Leopard services for carrier and
ports.
I collected the posts then recorded these posts into the post register then used to hand over to the
peon who gave it to the concerned person. If somebody wanted to send the post he also gave it to

35
Internship report on ZTBL

the leopard officer. I worked with Mr. Muhammad Atif Bhutta in cash department, at the end of
the working hour of the day Sir collected the cash and then asked me to make the transactions on
daily cash deposit slip. It was based on the daily cash deposited or withdrawal from the branch.
There was portions of cash in which the amount is recorded in rupee, coins etc.

36
2nd fortnight report
Account Opening
The general banking performs various functions among them the first and most important
function is A/C opening. The process of opening an account is very simple and anybody who
would like to open his account could do it easily without any difficulty.

Procedure for Account Opening

1) Application Form
The customer would like to open his account is required to meet with the manager or second
officer, who will give him an “APPLICATION FORM” specifically used for account opening.
Separate colour-coded Application Form is available for each type of account. So that a
particular coloured form is given to the customer to fill in for opening a related account.

2) Specimen Card
As I have already mentioned about “SIGNATURE SPECIMEN CARD”. This card contains
three signatures of an applicant, applicant A/c no, A/c type, branch code, title of A/c, it will be
attached with an application form. Banker uses this card at the time when he receives the
cheque; he compares customer’s signature with the signature on the cheque for avoiding fraud.
Manager has every right not to accept this contract if he is not satisfied by the details provided by
the customer.

3) Account Opening Register

The manager records the necessary details into this register and allots an a/c number from this a/c
opening register. This register is maintained for each type of account and the a/c numbers are
allotted serially. After opening a saving and current account every applicant’s data is entered
into the computer to maintain a safe record and application form is properly filled so that it can
be available when necessary. For fixed deposit only that application form is needed which is
prepared manually, because most of the procedure of fixed deposit is done manually.

4) Cheque Book
Cheque book is issued to the customer when the bank accepts the A/C opening application form

Letter of Thanks
Bank prepares two ‘LETTER OF THANKS’ one for the new customer and the other for his
introducer. This act promotes good will among the customer and the introducer.

Closing of an Account
There are no. of reasons of closing an account. Some are listed below:

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Internship report on ZTBL

If customer desires to close his account

In case of death of one account holder.
Bankruptcy of the account holder.
If an account contain nil balance or not up to the requirement of rules.
Before closing any account, bank send letter to the account holder for informing him that his
account is going to be closed. There is need an approval from higher authority to close any
account.

Types of account

 individual
 joint
 Minor
 Proprietorship
 Partnership
 Limited company

Nature of Account
There are few natures of accounts
 Current account
 Basic banking account
 PLS saving account
 PLS term deposit account
 Business deposit
 Zaraibachat account
 Zarai term deposit account
 Any other
Major lending scheme:

Awam izarai scheme (farmer credit), Kissan dost scheme , Sada bahar scheme , Awami zarai
scheme (N farmer credit) , Camel rearing scheme , Agri financing schme , Khawateen rozgar
scheme , Shamsi tawanai scheme(solar pumper) , Tawanibchat scheme(biogas unit) , Tahafuz

38
samer scheme(vegetable and fruits) , Sugat-e-shireen scheme(Gur making) , Thafuz e ajnas
scheme , Tobacco burn financing scheme , Special product milk chilling unit , Red meat
scheme , Rural development scheme , Crop loan Insurance Scheme Benazir Tractor Scheme
Awami Zarai Scheme Establishment of Model Village.

By category loan scheme

Production scheme

 Awamizarai scheme (farmer credit)

 Kissan dost scheme

 Sadabahar scheme

 Awamizarai scheme (N farmer credit)

Development scheme

 Camel rearing scheme

 Agri. financing scehme

 Khawateen rozgar scheme

 Shamsitawanai scheme(solar pumper)

 Tawanibchat scheme(biogas unit)

 Tahafuzsamer scheme(vegetable and fruits)

 Sugat-e-shireen scheme(Gur making)

 Thafuz e ajnas scheme

 Tobacco burn financing scheme

 Special product milk chilling unit

 Red meat scheme

39
Internship report on ZTBL

 Rural development scheme

 Khuskhratab scheme

40
3rd fortnight report
Personal learning Objectives

There is no limit to the learning potential of a work placement, but most learning can be
categorized under the following:

Communicate with colleagues, clients, and the community in general through business
correspondence, report writing, presentation, face-to-face or telephone communication, and non-
verbal communication. Develop good work habits such as behaving professionally; complying
with company regulations and work conditions, carrying out your placement duties, and
behaving appropriately to the work environment. All this enhanced my personal learning towards
practical work.

Learning from the Organization

Working at ZTBL, I got professional judgment and professional exposure at the maximum level.
I got professional skepticism in order to get each and every transaction transparent. I became
punctual and time conscious and self-energized. It is the prime responsibility of the internee that
he should remain active all the time and so I was.

I became disciplined and well organized while working at ZTBL. I learned to respect all the
clients and customers and my colleagues.

Application of Classroom Learning

I learned from the classroom to be active and punctual all the time and having the skepticism in
dealing with any of the transaction. It is obvious that you show what you have learnt. My
classroom learning has really helped me to carry out the practical work at bank. I made myself so
vigorous and vigilant in carrying out the activities.

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Internship report on ZTBL

COMPETITOR ANALYSIS

When ztbl stat working there was no competitor but gradually others banks start giving loans to
farmers at low interest rate. Now a days many bansk providing loans to maximize their profit
while ztbl is a government bank that is why they don’t pay much attention to compete the market
. ztbl promotion strategies are sufficient enough to compete its competitors. Habib bank is the
major competitor of ztbl.

CRITICAL ANALYSIS OF THE BRANCH AND ORGANIZATION

During my internship in ZTBL Liquat pur branch I observed that there is no proper check and
balance on employees coming and out, there is need to replace new software with old one like
ENB and checker, the working staff is not efficient as compare to other private banks because
they know they are government employees. Advertisement schemes are not high they not
convince the farmers properly, there is no sitting place for old farmers.

Contacts number of bank employees

03027666758

Mr. Sajid (AMO) now Transferred to Feroza

0300 7931369

Mr. Syed Rafaqat Shah Bukhari (MCO)

03077003142

Mr. Syed Sajid Gilanai (Operator)

42