Zarai Taraqiati Bank Ltd. (ZTBL) was established in 1961 to promote agricultural development in Pakistan. It has since become the largest agricultural bank, with over 400 branches across Pakistan. ZTBL provides farmers with loans, technical assistance, and other financial products and services. It aims to enhance rural incomes and economic growth through sustainable financing and development programs. While ZTBL has strong brand recognition and a large customer base, it faces challenges from natural disasters affecting agriculture and needs to continue improving operations through technology and staff training.

2. Presented By
• Misha Rehman M14BBA059
• Iram Shahzadi M14BBA065
• Arooj Fatima M14BBA069

3. Zarai Taraqiati Bank
Ltd.

4. Presented To:
Sir Riaz Ahmad Mian
M.com (Pb), M.B.A(Pb)

5. Dedicated to
LATE Prof. Dr. Khawaja Amjad Saeed
And to
The 1st
president of ZTBL
Abdul Jaleel Nishtar

6. History
 Pakistan is a country which depends up to 66% on its agricultural
department.
 In 1951 there was a agriculture sector which couldn’t meet its basics.
 In 1961 Agricultural Development Bank of Pakistan established.
 Agricultural Development Finance corporation and ADB were similar
and both were working with the capital provided by govt. they were
merged into organization known as ADBP on Feb 18 1961.
 On 14 Dec 2002, has converted the ADBP into ZTBL.
 After this incorporation all the assets & the liabilities of ADBP
became the assets & liabilities of ZTBL.

7. Mission
To play effective role in the promotion of
economic growth, by enhancing the
availability to the agricultural sector through
reliable access to sustainable financing.
Special lending programs, technical
assistance and other products and services,
and to promote career development
opportunities for increasing professionalism.

8. Vision
To meet 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 the success of
the bank and the farmers.

9. 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.

10. Overview Of ZTBL
 Ownership: Government
 Type: Specialized
 Established: 1961
 Chairman: Syed Yawar Ali
 Acting President: Syed Talat Mahmood
 Total employee: 5,326
 Zonal Offices: 32
 Audit Zone: 9
 Branches: 416
 Credit Rating: AAA/A-1+

11. Head Office
Islamabad

12. Board Of Directors
Syed Yawar Ali
Chairman
Syed Talat Mahmood
President/CEO
Mr. Mehboob Hussain
Company Secretary

13. Board Of Directors
Mr. Zia-ul-Mustafa
Director
Mr. Mohsin Aziz
Director
Mr. Abdul Bari
Director
Mr. Asif Sharif
Director
Mr. Saeed Ahmad
Director
Mr. Majyd Aziz
Director

14. Management

15. Agriculture Technology Department
 Agri. Technology Department decided to establish
a farm.
 ZTBL farm development work started in the year
1985.
 The basic objective of establishment of ZTBL
training farm is training of innovative viable
agricultural technologies to our trainee mobile
credit officers apart form the farmers, students
from agricultural universities and other visitors do
come to gain knowledge about latest
developments in agricultural.

16. Subsidiary
The ZTBL has one subsidiary which is known
as the “Kissan Support Services Limited”.
It was incorporated as owned subsidiary of the
ZTBL that function independently effective
from 1st January 2006.
The KSSL has an authorized capital of Rs.100
million. Its aim is to provide a support to the
management of the ZTBL.

17. Kissan Support Services Limited
The purpose for establishing this subsidiary was to outsource Bank’s
noncore activities which include:
 Sports
 Security Services
 Provision of man power (Clerical & Non-Clerical Staff)
 Janitorial Services
 Canteen Maintenance

18. Services
 Sports
 Security Services
 Administrative services
 Provision of man power

19. Products
 Treasury
 Deposit Schemes
 Loan Schemes
 Hajj Applications
 Locker Facility
 Home Remittance

20. Treasury
 The Treasury Division of ZTBL was
formally established on May 08, 2012
after the approval of Board of Directors
(BOD).
 The main objectives are to maintain
sufficient liquidity for the bank to honor
its commitments as they fall due.
 To maximize overall return on managed
assets.

21. Deposit Schemes
 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)

22. Loan Schemes
Zarai Taraqiati Bank Limited (ZTBL) is a specialized
bank providing agricultural credit in rural areas
of the country. Pakistan is an agricultural country and
near about 60% of its population is working
directly or indirectly related to agriculture industry
instead of being an agricultural country Pakistan is
still not gaining benefits from this sector which it can
gain.
 Production Loan Schemes.
 Development Loan Schemes.
 Other Schemes.

23. Production Loan Schemes

24. Development Loan Schemes

25. Development Loan Schemes

26. Development Loan Schemes

27. Other Schemes

28. Hajj Applications
There was no Islamic service
in ZTBL.
But Now ZTBL introduced
Hajj Application to create good
relationship with their
customers by providing this
service.

29. Home Remittance
ZTBL Now offer Western Union (Home
Remittance Service) for ZTBL and other walk in
customers in 222 branches.

30. Locker Facility
• Now Zarai Taraqiati Bank is also facilities
its customers by providing locker facility to
them.
• Initially, this facility is offered in 12
branches.

31. Financial Statement sept.30 2014(un-audited)
Particulars Amount
Total Assets 151,176,841
Total Liabilities 115,865,664
Net Assets 35,311,177
Net Profits 15,775,425

33. Swot Analysis

34. Strengths
 ZTBL has a brand name in agriculture, it`s 1st
and
large bank in Pakistan for agricultural financing .
 ZTBL has no competitors in the market, some banks
started lending facility for agri. business but due to
lack of efficient team of MCOs 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.

35. Weakness
 In spite of the presence of technology many jobs
are done manually.
 Most of the employees even seniors managers are
computer illiterate.
 Lack of online banking system.
 Lack of efficiency of employs.

36. Opportunities
 The bank started computerizing its operation that
will increase the bank performance.
 The bank has a good reputation in the market and
its employees are highly trained for agri. business
development planning so it can also operate in
Middle East because the Arabs are now focusing on
agriculture.

37. Threats
 Natural Calamities is also a problem, the bigger part of
the bank customers relies on the environmental
condition.
 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.
 The example of 2010 flood is still in front of us those
who are affected are unable to pay their loans back.

38. Conclusion
 Zarai Taraqiati bank works for the promotion of the
agricultural sector of Pakistan.
 It facilitates the farmer’s society by providing different
products and services. It helps them by offering loans
to increase their source of income.
 ZTBL is now focusing on how to facilitates the rural
areas and development of rural areas of Pakistan.

39. Recommendations
 Online banking.
 Increase the efficiency of employs.
 Increase technological advancement.
 Improve the Management system.

40. Thank You !!
Any Question ?