INTER

INTERNSHIP
REPORT
ZARAI TARAQIATI BANK LIMITED
Specialization: Accounting

Submitted to:
to: In Charge Department of Commerce
Submitted by:
Name Umar Sharif
Name:
Roll #: MCMF13M038
Mailing address: usmalik2013@gmail.com
Contact #: 0307-7271707

UNIVERSITY OF SARGODHA GUJRANWALA CAMPUS

Department of Commerce

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DEDICATION

Dedicated to
Parents, Faculty & Students
Sargodha UNIVERSITY,
Gujranwala Campus

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ACKNOWLEDGEMENT

All praises are for almighty Allah for directing me in hardships and all respects for
Holy Prophet (PBUH) for disclosing me the light of truth and honesty. I am really
thankful to Mr. Azeem, Mr. Zeeshan Akbar, Mr. Amir Shehzad and Mr. Nasir
Mehmood Rehar under their guidelines I was able to complete this Internship
Report. I am also thankful to the respondents who gave me their precious time for the
interviews.

Umar Sharif

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Table of Contents
Executive Summary .................................................................................................................. vi
Vision ..........................................................................................................................................1
Mission............................................................................................................................ 2
Report introduction ...................................................................................................................3
Role of ZTBL in Economic Growth of Pakistan........................................................................4
CHAPTER NO. 01 .......................................................................................................................5
Industry Introduction .............................................................................................................5
Industry Background...............................................................................................................6
ZTBL History ............................................................................................................................8
KSSL (Subsidiary) ..................................................................................................................10
Hierarchy...............................................................................................................................11
Committees ..........................................................................................................................12
Organizational Structure .......................................................................................................13
Zonal Offices & Branches......................................................................................................13
Ranking of Staff ....................................................................................................................14
CHAPTER NO. 02 .....................................................................................................................15
Products & Services ..............................................................................................................15
Loans of ZTBL ........................................................................................................................18
CHAPTER NO 03 .......................................................................................................................20
ZTBL Departments ................................................................................................................20
CHAPTER NO 04 .......................................................................................................................26
Future Plan of ZTBL...............................................................................................................26
Work Done By Me ................................................................................................................28
CHAPTER NO. 05 .....................................................................................................................31
SWOT Analysis ......................................................................................................................31
Marketing Analysis................................................................................................................34
Financial Analysis ..................................................................................................................35
CHAPTER NO. 06 .....................................................................................................................40
Suggestions ...........................................................................................................................40
Recommendations................................................................................................................41
Summary...............................................................................................................................43
Impact of Experience on my career......................................................................................43
Appendix ............................................................................................................................... vii
References ........................................................................................................................... viii

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Executive Summary

Banking business is one of the supreme sensitive businesses all over the world. Banks
play vital role in the economy of all countries all over the world and also in Pakistan.
This report is about one of the commanding Agriculture Bank of the Pakistan known
as Zarai Taraqiati Bank Limited (ZTBL). ZTBL is playing its one of the most vital
role in the expansion of the Agriculture Sector of the Pakistan. ZTBL was
incorporated as Public Limited Company on 14th December 2002, under the ordinance
of the Agricultural Development of the Pakistan 1961. ZTBL started its operations in
1961 under the banking ordinance 1961 as Agricultural Development Bank of
Pakistan (ADBP) till 2002, when it was converted to Zarai Taraqiati Bank Ltd.
Federal government was provide funds to ZTBL, now ZTBL has to earn profit to
support it as a financial institutions. This Bank severs its valued customers in the form
of different modified products. It is providing both types of Services financial and
non-financials mainly to its customers of the rural areas of the Pakistan, which
contains of 68% of the Pakistans total population. The Bank has country-wide
network in the form of 342 branches and is severing round about half of the million
customers annually.

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VISION

To develop and operate the ZTBL as a commercially viable bank with focus on
rural and agriculture finance and to serve the needs of farming community, by
delivering financial products and services

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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

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INTRODUCTION OF REPORT
BACKGROUND
The Zarai Taraqiati Bank Limited is the leading financial institution geared towards
the improvement of agriculture sector by providing financial commodities and
services to their customers. It is a common exercise at universities during the
completion of the masters and bachelors program to get practical experience in
different fields. Students are required to undertake an internship program of six to
eight weeks to accomplish the requirement for their degree completion.

This background of the study is primarily focus on the performance, objectives and
functions of the Accounts Department of the ZTBL. With the help internship
program students attain practical knowledge by taking on responsible roles as
employees of organization.

It provides many benefits to student that helps him throughout his job career. The
some benefits of internship program are following;

To attain professional experience and get academic credit

To boost self-confidence, independence and responsibility

To interpret classroom knowledge into the professional work setting

To work towards the process enhancement.

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ROLE OF ZTBL IN THE ECONOMIC GROWTH OF THE PAKISTAN

The role of the ZTBL in order to attain economic growth of the Pakistan is follow:
1.

Agriculture Development. The ZTBL mainly in rural areas of Pakistan are

now providing loan for the improvement of agriculture sector by giving loan
to small farmers

2.

Banks Promote Capital Formation. The ZTBL plays a vital role in rising of
the financial resources and they also encourage savings by giving different
types of incentives and benefits to the depositor.

3.

Investment in newly Born Businesses. Today mostly people normally

hesitate to invest their money in new business due to fear of loss but on the
other hand ZTBL normally offer short term, medium and long term debts to
farmers to invest in new business for the purpose of adopting new methods of
production and increase their income and also increase export of Pakistan.

4.

Regions Balance Development.

To attaining the desired balanced

development in different regions of the country, ZTBL is playing a vital role.

They help in transferring excess capital from developed regions to the less
developing regions. The deal industries etc. of less developed regions are able
to get sufficient capital for meeting their business needs.
5.

Implementation of Monetary Policy. ZTBL under the supervision and

guidance of the SBP help in applying and objectives of the monetary policy
are varying from time to time.

6.

Financing Development Projects. For development projects ZTBL Provides

Short, medium and long term loans both in private and public sectors.

7.

Booting the Exports: In order to increases the exports of the agriculture and
industrial goods of the Pakistan, the bank have also made export promotion
cell for the information and guidance of the exporters for the purpose of
increasing exports and upgrade the farmers standard of living.

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CHAPTER NO 01
INDUSTRY INTRODUCTION AND BACK GROUND
Meaning and Derivation of word Bank
According to some authors that the word bank is invent from the word Banquet
which means a Bench. A bank comprises a body of person, who bring on the
business of banking or a bank may be as an institution dealing commonly in money
and credit. It accepts or receives deposits from one class of people at a lesser rate of
interest and industry for encountering the requirements. This provides finance for
successfully passing on different stages of production as well as distribution.

Banking sector is always a play very vital role for every economy. Same is the case
with Pakistan because banking sector of Pakistan plays an important role in the
development of Pakistan economy. Banks perform different duties which are
unrelated in nature. The main and most important duty is to provide a protection for
national assets. Other functions banking sector include profit making from the public
funds (on interest rates) and giving of money to the borrowers. All of economy and
financial transactions are conceded out through banking institutions these days.
Banking system in Pakistan is one of the sectors, which have established a lot in the
past few years. Pakistan today has a very good banking system in all over the Pakistan
involving of a State Bank, which is a federal property and has a main role in the
banking sector of Pakistan. State bank has a very wide range of different private and
national commercial and other banks that deal in specific areas such as consumer
finance, agriculture financing, industrial financing and other financial institutions. In
Pakistan all the banking institute providing loan to their customers at the time of need
but according to state bank rules and regulation.

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BACKGROUND OF BAKING INDUSTRY

History of Banking in Pakistan began from the partition of Indo-Pakistan subcontinent in August, 1947.

At the time of independence, the areas which now establish the Pakistan were
producing only food grains, food items and agricultural raw material. At the early
time Indo-Pak sub-continent, there were nearly no industries and whatever raw
material was gave or produce was being exported from the Pakistan. However, the
better commercial banking facilities were provided. There were 487 offices of
registered/scheduled banks in the territories now representing the Pakistan. As a new
country exclusive of resources it was very obstinate for the Pakistan to run its own
banking system instantly.

Consequently in accordance with the provision of Indian independence Act 1974, an

expert committee was assigned to study the issue.

On the suggestion and recommendation of committee Reserve Bank of India

continued to function in the Pakistan till 30th September 1984, hence that problem of
time and demand, liability, currencies exchange etc. be solved between India and
Pakistan. On 1st April 1948, it was decided that Pakistan will take over the
management of debt from reserve Bank of India, and that Indian notice would remain
to be legal tender to the Pakistan till September 1948.

After the announcement/declaration of independence in June 1947, the Hindu peoples

who live in area of Pakistan were started transferring their assets to India. Due to
separation between India and Pakistan, the number of offices of scheduled banks
declined from 487 to only 195 in the Pakistan on 30th September 1948. There were
nineteen non-Indian foreign banks with the class of small branch offices, which were
involved exclusively in export of crops from the Pakistani institutions i.e., Muslim
Commercial Bank, Habib Bank and Australia Bank.

The government broadcast the Banking Companies Ordinance 1947, to protect the
interests of both banks and the customers. The Imperial Bank of India shut down most
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of its offices in Pakistan, which created serious problems for Pakistan. The Indian
government refused Pakistans share of Rs.7.5 billion in cash balance held by them at
the time of separation. The importance of assuming control of banking and currency
was very badly felt now. The government of Pakistan decided to establish its own
central Bank. On 1st July 1948, Quaid-I-Azam Muhammad Ali Jinnah (Founder of
Pakistan) inaugurated the State Bank of Pakistan, after the State Bank of Pakistan
order was declared on 12th May 1948. The State Bank of Pakistan provided every
help and support to Habib Bank to expend its network of branches and developed
National Bank of Pakistan (NBP) in 1949 as an agent bank, which took over the
agency works in 1952 from Imperial Bank of India. In order to expand sound banking
and tidying out week institutes, the Banking Companies Act was proclaimed in 1949,
empowering the State Bank of Pakistan to take control the operations of banking
industry of Pakistan. Due to this number of schedule bank increase to 36 in short
period of time. Pakistani commercial banks were nationalized in 1974 by Pakistan
People Party Government, but the process was retreated as nationalization proved to
be defective. The Muslim Commercial Bank, Allied Bank Limited and United Bank
Limited have been privatized and Habib Bank Limited is expected to be privatized
within near future.

Since 1st January 1947 the nationalization of Banks in Pakistan has announced a new
era of development, improvement and expansion. It has acquired a complete banking
system with effect from January 1981. In 1991, the privatization process of state
owned banks and enterprises are started.

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ZTBL HISTORY AND HIERARCHY

History of the Bank

Pakistan is an agricultural country; approximately 75% of population of Pakistan is
directly or indirectly connected with agriculture. Due to widespread and extensive
canal system, the land of Pakistan is very fertile. The Agricultural Development
Finance Corporation was began its operations in 1951. The main of purpose of
starting of ADFC is to provide financial help to needy farmers for the purpose of
rapid development of agriculture sector. The second main purpose of starting of
ADFC is to provide financial help for the updating and modernization of agriculture,
forestry, fisher industry, animal husbandry, poultry industry and dairy farming.

In September 1957, Agriculture Development Bank of Pakistan is established Under

the Agricultural Development Bank Act. Under this Bank, co-operation societies, the
agriculturists and others were financed the facilities of credit in for of cash, also in
form warehousing and storage. Agricultural Finance Corporation and the Agricultural
Development Bank were alike in functions and federal government provides fund to
both of them. Due to their comparable functions Agriculture Development Finance
Corporation and Agriculture Development Bank both are merged into Agriculture
Development Bank of Pakistan in February 1961.

Conversion of ADBP into ZTBL

On December 14, 2002, Agriculture Development Bank of Pakistan (ADBP) was
renewed into Zarai Taraqiati Bank Ltd (ZTBL) by the Federal Government and all
assets, business, contracts and liabilities of ADBP were acquired by the Zarai
Taraqiati Bank Limited (ZTBL) and started its countrywide operations as a public
limited banking company. It was rearranged complemented with new board of
directors. Its purpose under the presidential ordinance was to confirm good
governance, autonomy, providing high quality products and timely financial services
to a larger number of customers in the agricultural and rural sector of the country with
adequate return to the stake holder. Zarai Taraqiati Bank (ZTBL) also a registered

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public limited company under the companys ordinance 1984 with SECP (Security
and Exchange Commission of Pakistan).

The conversion of ADBP into ZTBL is made due to Asian Development Bank (ADB)
loan charter as per which a restructuring exercise was introduced. The restructuring
process caused ADBs Rural Finance Sector Development Program (RFSDP) with the
goal to transform ZTBL into a defensible Rural Finance Institution. It also comprised
the up-gradation of Information technology (IT) infrastructure for which funds from
ADBs loan were to be utilized. As part of the overall organizational restoring
strategy, the bank has taken various wits to enhance its lending activities while
adopting a sensible approach with respects to credit quality. Kissan Support Services
(Pvt.) Limited, a subsidiary of Zarai Taraqiati Bank Limited, has been involved to sell
fertilizer to farmers at cheap and subsidized rates, while a Memorandum of
Understanding is signed between Kissan Support Services Limited and Pak-Arab
Fertilizer to Certify timely accessibility of agricultural inputs.

The Zarai Taraqiati Bank Limited operates its operation in all over the Pakistan and
also other country like Sri Lanka, Kenya, and Uganda etc. It has 49 regional offices
and 342 branches throughout the Pakistan including the Federally Administered
Tribal Area (FATA), Federally Administered Northern Area (FANA) and Azad
Jammu and Kashmir with the total manpower of 8753 having 5123 officers and 3450
staff. ZTBL while finishing its period of 48 years operational activities strongly tried
to serve the forming society through the country for their medium and long-term
enlargement credit needs.

In starting the head office of the Zarai Taraqiati Bank Limited was located in Karachi,
but later in 1973 it was shifted to Islamabad. Currently there are 9 division and 33
departments in the head office. It has 32 regional offices and 416 branch offices, two
staff colleges at Islamabad and also in Karachi.

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SUBSIDIARY
Kissan Support Services Limited is only subsidiary of Zarai Taraqiati Bank Limited.
It was incorporated as owned subsidiary of the Zarai Taraqiati Bank Limited that
works independently effective from 1st January 2006. The Kissan Support Services
Limited (KSSL) is a separate and diverse legal entity that is manage and controlled by
the ZTBL. Authorized capital of KSSL is Rs.100 million. Its purpose is to provide a
support to the management of the ZTBL such as to emphasis on core banking
business and assign non-core activities. The KSSL operates under the Memorandum
and Article of Association.
Kissan Support Services Limited has provided following support services to the
ZTBL;

Provide photographing, mail management, repairing and maintenance

services to Zarai Taraqiati Bank.

Staff s Recruitment and provision

Provides farms to ZTBL and also the ZTBL Staff College.

Provide security services to ZTBL Head Office, zonal offices and also
to branches of ZTBL.

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HIERARCHY
Board of Directors
The ZTBL has one Chairman, one President/CEO, eight Directors and one Company
Secretary. The seven board meetings are held during each year. The main
responsibility of the Board of Directors is to establish a system of internal control and
prepare the financial statements according to approved accounting standard and
requirement of the Banking Companies Ordinance 1962 and the Companies
Ordinance 1984. The new corporate shape redefines the bank's status as the Public
Limited Company registered under Companies Ordinance 1984, with an
independent Board of Directors which aims at certifying good governance, autonomy
and delivering high quality.

Board of Director of ZTBL

SR.
1
2
3
4
5
6
7
8
9
10
11

Name of Member
Syed Yawar Ali
Syed Talat Mehmood
Mr. Saeed Ahmed
Mr. Majid Aziz Balagamwala
Mr. Zia-ul-Mustafa Awan
Mr. Abdul Bari Tareen
Mr. Asif Sharif
Ms. Rabia Sultan
Mr. Khawar Saleem
Mr. Muhammad Saleem Khan

Mr. Muazam Ali

Designation
Chairman
President/CEO
Director
Director
Director
Director
Director
Director
Director
Director
Company Secretary

No. of
Meeting
Attend
6
7
4
5
5
5
3
4
4
3
7

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COMMIITTEES & ORGANIZATION STRUCTURE OF ZTBL

The overall management, functions, meetings of the ZTBL is control and supervises
by two committees known as Board Management Committees. The sub-committees
of these two committees are explaining as under;

Board Committees
Audit Committee: Audit committee has one Chairman, a team of four
Directors and one is Secretary from the Audit Department. The title of
secretary is the Chief Internal Auditor (CIA) of Audit Department. This
committee supervises the Audit Department.
Human Resource Committee: Human Resource committee consist on one
Chairman and President/CEO of the ZTBL, a team of four Directors of the
ZTBL and one secretary from Human Resource Department. The title of
secretary is the Head of Human Resource Department. This Committee
Supervise the Human Resource Department.
Risk Management Committee: Risk Management committee consists of one
Chairman and a team of three Directors of the ZTBL.
Information

Technology

(IT)

Committee:

Information

Technology

committee consists on one convener and a team of two Directors of the ZTBL.

Management Committees
Assets and Liabilities Management Committees: Assets and Liabilities
Management committee comprises on CEO and a team of three members.
First member is the Senior Vice President of Operation Department; second
one is the Risk Manager and last/third member CFO (Chief Financial Officer).
Executive Coordination Committee:

Executive Coordination committee

consists on Chief Executive Officer (CEO), one Compliance Officer and three
members. The title of first member is the Senior Vice President. The second
one is called the Executive Vice President and the designation of third member
is the Risk Manager.

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ORGANIZATION STRUCTURE OF ZTBL

Organizational structure of Zarai Taraqiati Bank Limited is shown in below diagram;

Zonal Office and Branches

Zarai Taraqiati Bank Limited is one of largest financial institution with a wide
network of thirty two Zonal Offices and four hundred sixteen branches in all over
Pakistan. The network of the Zarai Taraqiati Banks Head Office is given as under;

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RANKING OF STAFF MEMBERS

The ranking of staff members
member in order of rank in the ZTBL
TBL is given as under;

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CHAPTER NO. 02
ZTBLs PRODUCTS & SERVICES
INTRODUCTION
The ZTBL has delivered many products and services for their customers. The product
and services of the ZTBL can improve the living standard of rural areas and expand
the agriculture sectors
ctors of a country as well. As we know Pakistann is an agriculture
country. So, the products and services of the ZTBL plays very vital role in increasing
the Gross Domestic Product
P
(GDP) and fast-tracks economic growth. For
achievement of this purpose, the ZTBL provides many services and facilities to their
customers, such as ZTBL provides schemes and loans; clearly help the customers to
invest money in their businesses, to get desire profit from it and too pay low interest
rates.

ZTBL Locker Facility

ZTBL is known as bank of agriculture loans but ZTBL has also started to serve its
valued customers by offering lockers facility in July 2011.

Following rates for rent of lockers and key deposits.

Type

Specification

6-1/2"x41/2"x23"
Medium 13-1/2"x41/2"x23"
13-1/2"x8Large
1/2"x23"
Small

Rent Per
Annum
Rs.1,200/-

Rent After Grace

Period
Rs.1,500/-

Key
Deposit
Rs. 5,000/
5,000/-

Rs.1,800/-

Rs.2,250/-

Rs. 10,000/
10,000/-

Rs.2,500/-

Rs.3,125/-

Rs. 15,000/
15,000/-

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SCHEMES OF ZTBL
The ZTBL provides different schemes for customers, in order to reinforce the rural
and agricultural sector of economy, ease poverty and accelerate growth. The Schemes
of the ZTBL are briefly explains as under;
Sairab Pakistan Scheme
The ZTBL can increase the irrigated area for the purpose to accelerate rate economic
expansion and to facilitate the farmers. The ZTBL has allotted the collaboration
agreement with the KSB Pumps Company Limited under the Sairab Pakistani
Scheme. The ZTBL will finance loans to the farmers for installation of tube wells and
turbines whereas KSB Pumps Company Limited will provide quality pumps and
turbine and also equipment to borrowers for efficient pumping of waters. The water
can plays important role to improve the production capacity of land. Pakistan has 31
million hectors area but 22 million hectors is cultivated while 9 million hectors is not
cultivated and waste due to non-availability of water.

Supervised Agriculture Credit Scheme

In this scheme ZTBL provide Agriculture loans for short, medium and long period
loans more than Rs.1 million per loaner. These debts/loans are approved for fats,
livestock, tractor, agricultural machinery, tube well and irrigation facilities.

Zarkhaiz Scheme (One Window Operation)

For timely provision of credit to purchase inputs, loans are provided to the farmers
under this scheme being operated twice a week during Rabi and Kharif seasons. All
the concern departments such as revenue, agriculture and post office.etc. attend the
principal points which are created at convenient places. The farmers obtain their pass
books and loan applications processed on the same day whereas approve payments are
made within three to five days at branch. One window operation is operating from
October to January for Rabi Crops and from April to September for Kharif Crops each
year which is extendable as per requirement of certain area.

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Sada Bahar Scheme

The ZTBL has started a Sada Bahar Scheme for providing timely loans for crops,
poultry and fishery sector etc... Revolving Finance Scheme is the 2nd name of Sada
Bahar Scheme. At the time of application the valuation for inputs requirements is
made. The amount evaluated is treated as spinning limit provided it is within the
security limit. The branch managers are authorized to approve such loan limits up to
Rs.5 Lake. The main features of the scheme are given as under:
1.

Spinning Credit Limit is fixed to cater production credit and subsidiary

requirements of the farmers during one year period.

2.

The loaner can draw the credit in lump sum or in installments according to his
requirement.

3.

The loaner can repay in lump sum or in installments during the year when his
cash position allows him.

4.

The Pass Book comprising transactions in his account is supplied to every

loaner free of cost.

Interest Rate
In Season 12 % and Out-Season 14.3 %.

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LOANS OF ZTBL
The ZTBL provides loans for the improvement and expansion of rural areas and raise
of farm activities. The loans/credits of ZTBL are briefly explained as below;

Production Loans
Production loans are provided to farmers for purchasing seed, fertilizer, pesticides and
labor chargesetc. to flourish crops and vegetables including loan for poultry, dairy
and fishery. Duration of Production loans is one and half year. Approximately the
amount of disbursement of production loan, at the end of December 31, is 50,225
million for overall four provinces. The production loans items such as Seeds,
fertilizers, fuel, Pesticides, insecticides, herbicides sprayers, Poultry feed, medicines
and electric charges for tube well.

Development Loans
ZTBL offer Development loans For the purchasing farm machinery, tractors,
irrigation,

land

development,

dairy

farming,

poultry,

fishery,

livestock

(Animals)..etc. The duration of Development Loans is one to Eight Years.

Loan Limit
ZTBL provide maximum Rs. 10 Lakh rupee loan to farmers. The loan of rupee 10
Lakh is mostly for purchasing of tractor. ZTBL provide Rs. 5 Lakh loan to poultry
and fishery industry.
Credit Limit (Per Acre)
Wheat

16,000

Paddy (Rice)
Sugarcane
Cotton
Maize

19,000
30,000
21,000
20,000

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RECOVERY PATTERN OF LOAN

The recovery pattern of the ZTBL loan is taken by three steps; first is recovery
schedule, second is issuance of notice and last step is legal action which is briefly
explain as under;

Recovery Schedule
The recovery schedule in each loan case as per terms of agreement of loan is fixed
and communicated to the loaner after disbursement of loan. In case of failure in
reimbursement or repayment of any installment on due date, the interest should
increase.

Issuance of Notice
The ZTBL issue Demand notice for recovery of loan. This notice is issued before
the due date of every installment but legal notice is issued one month after the due
date informing the loaner that if the amount is not repaid within next one month,
further legal action will be placed for recovery of amount.

Legal Action
After the Issuance of third warning letter a legal notice is send to defaulter if they
cannot pay their installment. ZTBL take the person into court, after the court order,
ZTBL recover its amount by the selling of persons property which he pledge against
loan

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CHAPTER NO. 03
DEPARTMENTS OF ZTBL
About 33 departments are running in ZTBL Head Office, Islamabad. During my
Internship period, I work in Accounts department of ZTBL Ali Pur Chattah Branch.
The following departments which operates in ZTBLs Accounts Division:

CENTARL ACCOUNTS DEPARTMENT

Introduction
The CAD is shortened to Central Accounts Department. Many accounting policies &
procedures used in the CAD, In order to present the accurate financial position of the
bank in financial statements; the accountants prepare the accounting policies &
procedures. This department maintains/prepare the actual or real accounts of the
ZTBL.
Objectives
Prepare of financial statements to certify the proper accounting of assets, liabilities,
owners equity, income and preparation and maintenance of the accounting policies.
Functions
Central accounting department issues commands related to accounting policies and
procedures. Central Accounts Department of ZTBL comprises of five units like
Policy, Accounts and Tax, Fixed Asset and Prepayment Unit.

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UNITS OF CAD

Policy Unit: Policy unit of CAD Plans accounting procedures of accounting in both
head office and also in branches and coordinate with other departments within the
head office. It calculates bank charges schedules and submits to State Bank Pakistan
on interim basis.

Accounts unit: Accounts unit of the CAD coordinates with concerned departments
for the timely preparation of statement of affairs. The Accounts unit of CAD is
responsible to prepares financial statements and also responsible to make the list of
abnormal entries for rectification.

Tax unit: Tax unit of CAD provides instructions of deduction of the tax under the
ordinance of income tax 2001 and collects tax payment documentary proofs for tax
deducted.

Fixed assets unit: Fixed assets unit of CAD sends out timely formats and
procedures for the fixed assets to Head Office Department, Zones and branches. It is
treaties with collection of fixed assets.

Pre-payment verification unit: Pre-payment verification unit of CAD is

designed to verify all payment formations related to the Head Office and also checks
availability and competence of approval of the competent authority.

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HEAD OFFICE ACCOUNTS DEPARTMENT

INTRODUCTION
The main objective of this department is to control and maintain accounting functions
of all over the bank. The specialized accounting software is used in HOAD for
recording the transactions, financial information and deduction of tax from salaries of
employees.
UNITS OF HOAD

Payroll Unit
This unit of HOAD mainly deals with those accounts which are related to salary of
employees, how tax is deducted and allocated to employees which are managed by
this wing.
Funds Unit
Fund unit of HOAD is to maintain the book of accounts, employees contributory
funds such as contributory provident fund and employees provident fund etc.
Additionally, there are ten keys of deductions from fund in the ZTBL Head Office,
which are ZTBL Employees benefit fund, benevolent fund (Officers and Staff),
General provident fund (Officers and Staff), Pension fund, Gratuity fund, Employees
provident fund and Gratuity 2005 Fund trust.
Payment Unit
In Payment unit of HOAD, working is related to the payments, here the payment is
not made in form cash, they issue notes to their employees and issue cheques to
outsiders. The main functions are to make payments to employees or outsiders from
whom we have acquired goods or services and then record them manually and also on
computer database. Summarize the record of transactions is the basic responsibility of
payment unit and also to provide different kinds of reports at the time of need to the
needy department and personnel.

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REGULATORY REPORTING DEPARTMENT

Introduction
The regulatory Reporting Department gives guidance what type of work to do, when
to do and how to do as Government agencies and SBP etc., while reporting means
preparation of reports and submission of the reports to the regulators. That is why, this
department is responsible to reports certain information to the regulators and ensures
it that bank has assembled all instructions.

Aims and objectives

Prepare the statuary reporting requirements and provides financial statement to the
management is the aim of RRD. The objectives RRD is to provide and certify the
effectiveness in meeting statutory reporting obligations. It makes quick and perfect
analysis to aid effective decision making.

Functions
The basic functions of RRD is to reformulates and redesigns system of data capturing,
its amalgamation and subsequent reporting keeping in mind regulatory requirements.
It certifies the implementation of updated reporting requirements, which are update
time by time. RRD check and verify the financial results and repots it to decision
makers and also arrange obedience with external and internal auditors. Furthermore it
performs the job recommended by the regulatory authority.

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BUDGET AND FUND RECONCILIATION DEPARTMENT

INTRODUCTION
BFRD is responsible to maintains budget and fund for branches and other needy
departments. The BFRD receives the indication and they transfer fund and to receive
the excess fund form the branches. The branches are liable to send their records to
BFRD. This department supervises their record which receives from zonal offices
and from branches in order to accomplish the requirements.
Here ZTBL decreases the needs of the branches through commercial banks such as,
NBP, HBL, UBL, ABL and MCB; However, BFRD is responsible to prepare the
budget for upcoming financial year.
A budget is a road map that assists an organization where he is and where he wants to
go and how can he go to ones desired goal point. In ZTBL, For the purpose of
effective planning and control in ZTBL, budgeting is an effective tool, for the purpose
of achieving/attaining the desired goals of stakeholders.
Aim and Objective
The basic aim of Budget and Fund Reconciliation Department of ZTBL Bank is
maintain the financial plan for the credit limits, fund review and to organize additional
resources for maintenance of additional liquidity for proficient distribution, timely
release of liabilities and operations of bank.
Functions
Budget and Fund Reconciliation Department of ZTBL basically develops the policies,
procedures and standards for the budget planning and scrutiny. It coordinate and
cooperate with administrative and also government in order to solve budget issues. It
mechanizes budget process and maintains the data and obtains approval from BOD
for annual budget. It collect the data of different departments and evaluation that for
their performance.

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Units of BRFD
Budget Planning Unit
The Budget planning unit of the BFRD of the ZTBL creates departmental policies,
procedures and standards for budget planning processes and financial management. It
converses with administrative and governance groups in order to solve the budget
problems/issues. It records and process necessary information for the preparation of
annual reports. It commonly evaluates and review expenditures and submits to the
audit committee. Its additional role is to provide information and analysis for the
purpose of the annual planning and effective decision making.
Budget Analysis Unit
This unit usually analyzes and supervises financial activities of departments which
show their performance. On the basis its analyzed results functions the highly
effective steps. It develops and main assumptions and strategies for future budget
cycle.
Treasury Unit
Treasury Unit is engaged in the preparation of the fund for the different purposes to
the branches. It manages Banks accounts with State Bank and commercial banks such
as MCB, HBL, and UBL etc. It checks out the proper balances in the branches if there
are surplus balances then its calls for and if there is less balances then it transfer the
funds and also announce the deposit rates for the depositors. It acts the role of
coordinator while acting the role of coordination with SBP, Commercial Banks and
External auditors on the matters of treasury.
Funds Reconciliation Unit
The basic role of FRU is to reconciliation of Bank accounts with other commercial
banks at Head Office, due maintenance of check and balance of funds received.
Advices issued by branches are reacted by Funds Reconciliation Department. It also
supervises the reconciliation of bank accounts with other commercial banks.

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CHAPTER NO. 04
FUTURE PLAN OF ZTBL
Every big organization makes their future plan for purpose of expansion of business
and for proving better services/products to their customers. For this purpose, the
analysis the market and identify area in which improvement is required because it is
necessary for long run. ZTBL is a big name in the banking industry of Pakistan. So
that ZTBL is busy to improve their operation for providing better product and service
to their customer. The Following Future Plan of ZTBL is:

LOAN RECOVERY
Recovery of loan is a difficult work. To improve their loan recovery process in future
ZTBL is decided to take following actions:

Recovery Operations

Future Plan
During the 2015, the recovery target for Agri loan has been fixed as Rs.85.721 billion.
Strategy/Future Outlook
To reinforce the functions being performed by Recovery Department at Head
Office as per future requirements
To enhance monitoring of recovery loans from different angles
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Loans Classification
Age wise evasion

Recovery (Purpose wise)

To examine recovery operations on regular basis for taking corrective action,
where required to attain the recovery targets of Agriculture Loans.
To add more supervising tools in DiMIS for monitoring legal actions started
against defaulters.

HUMAN RESOUCER DEVELOPMENT

The Human Resource Department of ZTBL has planned to take review and revise
performance management policy to get or attain the best performance evaluation and
updating of Performance Factors to ease performance driven culture in ZTBL. Further
shift over from Performance Management System to Performance Component of ERP
is estimated. Moreover, employees welfare activities will be continued as per porous
routine with employees motivation through effective career planning.

Technological Dissemination
To further improve the role and effectiveness of the creativities taken under the
concepts of Model Village, and to extend the spectrum of technical and technological
awareness role of ZTBL towards farming society, Model Village concept will be
energized by converting it into Farmers Training Centers. The Creativity envisages
helping a great deal in creating the intended first hand relationship between the Bank
and farming society by way of impacting on-site training by conducting workshops
and by placing short training courses.

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WORK DONE BY ME
INTERNSHIP BENFITS
My internship period was begun on 16th of July at Accounts Department of the ZTBL
Ali Pur Chattah Branch District Gujranwala. Firstly I met with Sir Nasir Mehmood
Rehar; he is the Branch Manager and then met with Mr. Atif Idrees
(Operation/Accounts Manager), Mr. Saifullah (MCO) and Mr. Shukat Ali (MCO). I
were the under supervision of Mr. Atif Idrees. He warmly welcomed in the ZTBL and
gave me the Brief introduction of the ZTBL and purpose of the organization.

The knowledge that is I gain is the core of my internship. I was fully ignorant of
banking business processes before internship. But due to internship program I know
the most of banks business processes.

In last, during internship period (6 weeks) in ZTBL (Accounts Department), I attain a

lot of knowledge from the experience and highly qualified persons. It was necessary
to accomplish the practical requirements of the degree of Master of Commerce.

DONE BY ME
First Two Weeks [Preparation of Loan Case File and Vouchers]
In first two weeks of my internship period I learned how Loan cases file and how it is
prepared in ZTBL.

What is Loan Case File

Loan case file is file which is prepared when a person is applying for loan in ZTBL.
The Loan case file is prepared by Mobile Credit Officers (MCOs) and the fee is Rs.
500 which is paid by loaner. The Loan case include complete information related to a
loaner such loaner name, address, Picture, contact number, Property which he pledge
against loan, the amount of loan, detail of installment which he paid and payable and
time period of loan (Short, medium or long term) etc.
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The second thing which I learn in ZTBL is that Preparation of Vouchers. The ZTBL
have 3 types of vouchers which are following:
Debit Voucher
Credit Voucher
Transfer Voucher
Debit Voucher
Debit voucher is use for receipts means at the times of receiving installment, fine,
utility bills etc. and its color is white.

Credit Voucher

Credit voucher is use for payment means at the time of allotment of loan to loaner and
its color is green.
Transfer Voucher
Transfer voucher is use for the transfer of money from one ZTBL branch to another
ZTBL branch. It happens when a branch receives the installment of loan on the order
of other ZTBL branch. Its color is yellow.
Third and Fourth Week [Account Opening and ledger preparation]
Account Opening
In third week of my internship program I learn how an account is open in ZTBL. For
account opening the person firstly required to prepare a Loan Case File. After the
Preparation of file, a person is able to open an account in ZTBL. The Following
things which are compulsory for account opening in ZTBL:
Accounting Opening form
Loaner CNIC
Loaner 2 Passport Size Photographs
Loaner KVC Sheet
Loaner Nadra Verification

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Ledger Preparation
In fourth week of my internship program I learned how ZTBL prepare its customer
ledger accounts. The ledger accounts are prepared both manually and computerized.
Last Two Weeks [Tractor Insurance and Proposal Form]
In my last two weeks I prepare tractor insurance form because it is necessary before
the tractor is handover to loaner. This activity is performing for security purpose. The
second things which I learned, is tractor proposal form. This form is send to tractor
manufacturer/ trader (Millat Tractor, Ghazi Tractor etc.) after the completion of all
formalities. This form include loaner name, CNIC, address, contact number, Tractor
manufacturer, tractor model, engine number and the amount which are payable by the
bank to manufacturer/trader.

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CHAPTER NO. 05
ANALYSIS OF ZTBL

SWOT ANALYSIS
The strengths are the competitive advantage of organization. Weaknesses those need
improvement. Opportunities are those which are available to organization for improvement.
Threats are those that organization faces from its competitors, government and
technological change etc.

Strengths
Gives the credit at low financing cost as contrast with alternate Banks.
In Pakistan, dominant part of the farmers is poor that is the reason farmers are
required to get advance from the bank so ZTBL has an extremely tremendous
business sector to work in.
ZTBL gets the vast majority of the assets from distinctive formative
organizations including Government, ADP, and SBP and so forth so if there
should be an occurrence of awful obligations the bank won't need to endure a
great deal.
It is subsidiary with distinctive exploration foundations and it has all kind of
farming machines and innovation so it can without much of a stretch
accomplishes its point which is the improvement of agribusiness in Pakistan.
ZTBL has a staff school for the preparation of its workers in Islamabad,
through legitimate preparing more productive group of representatives can be
made which might be valuable in intense managing an account rivalry.
One of the center competency of the bank is its MCOs on the grounds that
ZTBL is the main bank which has a group of exceedingly experienced and
legitimately prepared MCOs who can without much of a stretch dispense
credit and can accomplish recuperation target rapidly thus danger of awful
obligations is diminished.
Through diverse PC programming information is kept and kept up. Some of
these products are CFOCS, DMS, MIS, and HRIS and so on.

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ZTBL has no rivals in the business sector; a few banks began loaning office
for Agri business however because of absence of effective group of MCOs
those banks needed to endure overwhelming misfortune.
The farmers have a trust on ZTBL in light of its operations and the conduct of
portable credit officers.
Audit zone performing its job bitterly to redress the errors, blunders and
extortion cases.

Weaknesses
Now and then the loaning is done on political premise. Because of the impact
of political pioneers the recuperation framework is influenced which prompts
awful obligations.
The bank has no treasury division because of which supports are not being
legitimately used and the bank is feeling the loss of an incredible chance to
acquire benefit.
There is abundance of old, non-specialized and uneducated representatives in
ZTBL. These representatives are elevated to senior level administration on the
premise of status because of which execution is influenced.
A few instances of nepotism are frequently found in the bank when advances
are given by the branch supervisors to their relatives and fake information is
kept up.
The greater part of the employee even seniors chiefs are PC uneducated. They
can even check their messages legitimately. So IT execution is by all accounts
fizzled in the bank because of inflexible state of mind of representatives on the
grounds that they are not versatile to change.
They are missing of saving money online framework.

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Opportunities
By using the proficient group of MCOs the bank can have overwhelming
measure of stores.
The bank can set up its treasury office in Karachi for legitimate usage of the
assets and for most extreme benefit acquiring.
The bank can decrease its costs by laying-off non performing representatives.
The bank has a decent notoriety in the business sector and its workers are
exceptionally prepared for Agri business improvement arranging so it can
likewise work in Middle East on the grounds that the Arabs are presently
concentrating on agribusiness.
ZTBL can turn into a main business bank by somewhat changing its way of
life. It is as of now outfitted with very experienced bank officers.

Threats
As the economy circumstance is terrible and the nation is confronting liquidity
crunch that is the reason ZTBL may need to face trouble in getting funds.
So as to beat the liquidity issue the bank has begun working in commercial
banking system an account showcase yet because of insufficient commercial
banking system rehearses ZTBL may need to confront an extreme
circumstance.
The atmosphere of the earth is quickly changing because of which substantial
rains and surges are frequently foreseen. This is disturbing for ZTBL to work
in the business sector being an Agri loan specialist.
The bank has a little net revenue in light of the fact that it gets stores from
SBP at 6% and gives assets to the ranchers at 8% just.
Farming yield rate diminishing every year

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The Marketing Analysis

The ZTBL regularly use different methods of marketing in order to aware and attract
customers regarding their products and services. The marketing analysis is done by
using various methods used by the ZTBL, which is briefly explained as under;
Print Media Advertisement: The ZTBL give advertisement in newspapers,

1.

to attract large number of customers.

The 4Ps: The 4Ps include the product, price, place and promotion. The

2.

ZTBL also use 4Ps on regular bases in order to attract huge quantity of
customers.
Product: The ZTBL is offer most comprehensive ranges of
distinguished financial solutions to its customers.
Price: The ZTBL adopt the strategy of receive low margins and attain
high volume with its low interest.
Place: ZTBL select mostly rural areas for its branches.
Promotion: The ZTBL effectively advertises its products and services,
using the through broachers and magazines etc.
3. Internet and Electronic Media Advertisement: The ZTBL consistently use
internet for promotion of its products and services and also us TV channels for
promotion of its products and services.
4. Sports: The ZTBL also sponsor different sports promotion activities on television
such as Cricket (ZTBL cricket team in Quid-e- Azam Trophy).

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FINANCIAL ANALYSIS
Ratio Analysis
A relationship between any two variables called Ratio. Ratio Analysis is a tool
through which we for check the overall performance and position of any organization
or firm. Simply in other words, the ratios analysis is conduct to identify and verify the
financial position of organization whether it is good or not good. Therefore, for the
purpose of checking the financial position of organization, we use financial statements
such as balance sheet and income statement for ratio analysis purpose. There are
different types of ratios such as liquidity ratios, leverage ratios, profitability ratios and
activity ratios. We take data from 2012 to 2014 of annual reports of the Zarai
Taraqiati Bank Limited, to check their liquidity, leverage and profitability position.
Liquidity Ratios
The most important ratios in ratio analysis are the liquidity ratios because it identifies
the short-term loan repay position of any organization and its duration is one year.
Liquidity Ratios include current ratio, quick ratio cash ratio or Absolute quick ratio
and networking capital ratio.
The Current Ratio: The 1st liquidity ratio is current ratio. This ratio is very important
for creditors and investors because they invest their money in the organization for the
purpose of earning profit. We calculate current ratio by current assets divide into
current liabilities. The current ratio of ZTBL for the year of 2012 to 2014 is given and
explains as under;
Year

Current Ratio

2014
2013
2012

2.17
2.01
1.95

Explanation: If we analysis the current ratio of the ZTBL we see that it is

increasing slowly from 2012 to 2014. Its mean that the short term loan repays
ability of ZTBL is increasing with the passage of time and it is good for ZTBL.
The reason of increasing in the current ratio of ZTBL that its current assets
increasing rate is high than its current liabilities. The current ratio of ZTBL in
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2012 is 1.95 which means if its debt is 1 rupee than 1.95 rupee is available for
debt repayment.
Quick Ratio: The 2nd liquidity ratio is quick ratio and it also important for creditors
and also for investors because this ratio shows more liquidity of any organization in
repayment of its short term liabilities. This ratio is calculated by dividing quick assets
into current liabilities. The quick ratio of ZTBL for the year of 2012 to 2014 is given
and explains as under;
Year

Quick Ratio

2014
2013
2012

0.69
0.53
0.39

Explanation: If we analysis the quick ratio of ZTBL we see that there is an

increasing situation in quick ratio of ZTBL from year 2012 to 2014. The quick ratio of
1.0 or greater is rarely recommended because sometime more quick ratio is not good
for organization. If quick ratio is more, it means company blocks their cash into
companys cupboard and not investing in other business activities for enhancement of
company income. The 2nd reason is also that company also increase their credit sale
rather its cash sale. On the other hand, sometime lesser quick ratio create bad image
of company in the mind of creditors. The quick ratio of ZTBL is increasing year to
year due to increasing in its quick assets.
Cash Ratio: The 3rd liquidity ratio is cash ratio. This ratio is also important for
creditors because it show true liquidity of organization and it is calculate by dividing
cash/bank balance into current liabilities. The cash ratio of ZTBL for the year of 2012
to 2014 is given and explains as under;
Year

Cash Ratio

2014
2013
2012

0.23
0.17
0.09

Explanation: If we analysis the cash ratio of ZTBL we see that it is increasing year to
year which means company increase their cash balance to make their liquidity good.
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Net Working Capital Ratio: The 4th liquidity ratio is net capital working ratio and it
is calculate by subtract current liabilities into current assets.

NWCR = Current Assets Current Liabilities

The NWCR of ZTBL for the year of 2012 to 2014 is given and explains as under;
Year
2014
2013
2012

NWC Ratio
26803435
23124621
19787017

Explanation: If we analysis the NWCR of ZTBL we see that it is increasing

gradually and ZTBL has positive working capital and considering favorable because
its current assets are greater than its current liabilities and ZTBL is in better position
to pay its short term obligation as they become due.

Leverage Ratios
With the help of Leverage ratios we will be able to measures the companys ability to
repay its long-term debt that is used in companys capital structure. There are
different types of leverage ratios but I explain only two 1st debt ratio and 2nd total debt
to net worth ratio which are given as under;
Debt Ratio: The 1st leverage ratio is debt ratio. Through which we check the
company ability against its long term debt by dividing its Total liabilities into its total
assets. The debt ratio of ZTBL for the period of 2012 to 2014 is given and explains as
under;
Year
2014
2013
2012

Debt Ratio
86 %
84%
83%

Explanation: If we analysis the debt ratio of ZTBL we see that it is increasing year to
year. The reason is that, ZTBL is trying to make their better image in the mind of its
investor and creditors.

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Total Debt to Net worth Ratio: The 2nd leverage ratio is total debt to net worth ratio
which is calculated by dividing total liabilities into net worth. The TDNWR of ZTBL
for the year of 2012 to 2014 is given and explains as under;

Year

TDNWR Ratio

2014

5.32 %

2013

5.30 %

2012

5.24 %

Explanation: If we analysis the debt to net worth ratio of ZTBL we see that it is
gradually declining from 2012 to 2014. The DNWR is more in 2012 which is 5.32%
but lower in 2014 which is 5.24%. In 2007, the ZTBL can enhance the debt to net
worth ratio which is 5.24% and considered to be favorable.

Profitability Ratios
Profitability ratios inspect the relationship between the profits made against the sales.
Profitability ratio shows the business ability to use capital, labor and management to
generate income/profit. There are various types of profitability ratios but only two are
given as under;
Return on Assets: The 1st profitability ratio is ROA and the ROA of ZTBL for the
period of 2012 to 2014 is given and explains as under;

Year

ROA Ratio

2014

2.11 %

2013

1.21 %

2012

1.19 %

Explanation: If we analysis the ROA of ZTBL and we see that ROA of ZTBL is
slowly increasing from 2012 to 2014 due to increase in the amount of total assets and
total income. In 2014, ROA of ZTBL increase more than previous year which that
ZTBL has efficiently managed its assets to earn a more money on total assets

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Return on Equity: The 2nd profitability ratio is return on Equity and the ROE of
ZTBL for the period of 2012 to 2014 is given and explains as under;

Year

ROE Ratio

2014

17.21 %

2013

12.03 %

2012

10.21 %

Explanation: If we analysis the ROE of ZTBL, we see that there is an increasing

period of ROA of ZTBL From 2012 to 2014. The enhancement in ROE shows that
ZTBL can earn a high return on less equity and it is favorable for ZTBL.

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CHAPTER NO. 06
SUGGESTION, RECOMENDATIONS AND SUMMARY
SUGGESTION FOR ZTBL
ZTBL is a large name in the agricultural sector of Pakistan and it facilitate agriculture
sector by provided various types of loans to farmers mainly small farmers for the
development of agriculture sector of Pakistan but I experienced various problems that
must be solved and these problems are:
First, provide transportation facility to the whole employees
Second, provide hostel facility to their employees who work in non-residence city
Third, give proper training of I.T must be given to all employees because it will be
helpful for ZTBL in near future

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RECOMENDTIONS FOR ZTBL

A six weeks internship program can never provide all the information about an
organization or company. One crudely attains to spend a single week in each
department. So in this segment only some of the problems have been identified and
possible/reasonable

solutions

have

been

recommended.

The

following

recommendations for ZTBL are given as below;

ZTBL must improve their management system by taking new idea.
ZTBL have no dress coat so they have to introduce dress coat into the
organization.
ZTBL has a cooperative environment but there is a need to further
improvement. Cooperation among management, shareholders, staff members
and customer must be made.
The rotation of job duties of employees must be applied for the improvement
of their skills, confidence and work performance which will be beneficial for
organization.
Increase motivation level of employees by increasing compensation and fringe
benefits.
The advertisements of the ZTBLs products and services must be done in a
proper way with the help strong strategy.
Hire young, creative and energetic employees on the basis of their eligibility.
Human resource department must improve the recruitments process and
confirm hiring of employees should be strictly on merit basis.
Remove the file keeping barriers, which spare a lot of time on searching of
files. There must be a proper check and balance. The documentary records of
the ZTBL must be improved.
More rewards and bonus schemes should be introduced for management and
also for employees. Promotion of employees should be on performance base
not on favoritism bases.
The ZTBL must improve their web site because other banks have good eyecatching sites.
Reduce the employee absenteeism rate because it effect badly.

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Arrange different parties or get together for the increment of cooperation

among employees.
At the time of conversation with customers the employees attitude and
behavior must be positive and polite.
To increase the motivation level, organizational commitment and job
satisfaction the organization should give special incentives to employees. This
may be in the form of promotion or salary increment.
Lunch and tea facility should be provided to all employees.
Provide computer to all employees, especially to Mobile Credit Officers
(MCOs).

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Internship Report

SUMMARY
I would like to say that an internship report mainly covers one academic term or
period and may be paid or unpaid. The main purpose of the internship program is to
develop and support the students educational and professional career. I did my
internship at Zarai Taraqiati Bank LTD (Ali Pur Chattah Branch), working in
Accounts Department. My internship objectives or goals included finishing the
reports assigned to me, learning about the ZTBL Bank, which is a public limited
company and also maintaining positive relationships with employees and also with
customers. As an internee, some of my activities post in the ZTBL is to coordinate
with employees, working on my giving tasks/missions, performing full attention and
preparation of my internship report. So an internship is an opportunity to gain real-life
work experience doing the work of an employee in your desired career area of
interest. Supremely, this experience helps me when I get a permanent job and also
help me to create way of success for myself and help to apply skills which I learned in
the classroom. With the help internship program students attain practical knowledge
by taking on responsible roles as employees of organizations.

Impact of experience on my career

As I am a student of Accounting, so my experience as an internee in this bank will
helpful for me in future when I get the Permanent or full time job. The following
things that I have learned during my period as an internee in ZTBL are:
How to let people know about your products and services.
Analysis of competitors and markets that any one doesnt copy your products.
Due to this internship experiences of working into an organization. It will be
helpful for me to understand rules and regulations of companies during my job
career.

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Zarai Taraqiati Bank LTD

Internship Report

Appendix
A
Agriculture
Acre
Arab
Activities
Accounting
Assign
Analysis
Association

B
Bank
Branch
Bench
Banquet

Gross
Growth

H
High
Hence
Harvesting
Human

Previous
Permanent
Performance
Pledge
President
Professional

Q
Quick

I
Internee
Internship
Internet
Impact
International
Interest

R
Rule
Regulation
Regulatory
Rural
Regions

C
Credit
Crops
Company
Customers
Corporation
Commercial
Community

D
Debit
Development
Department
Deployment
Division
District

E
Economy
Experience
Employer
Employee
Employment
Explanation

F
Fund
Finance
Firm
Farm
Fishery
Farmer
Farming

Job
Joint

Sector
Staff
Short
Society

K
Khyber

T
L
Lock
Locker
Loan
Loaner

Technology
Technical
Training
Term

U
M
Management
Managers
Mission
Mortgage
Memorandum
Margin

Understand
Upgrade
Update

V
Vision
Viable
Vital

N
Net
New
Near

W
Work
World

Operations
Operational
Organization
One

Xerox

Gain

Provision

Y
Yield

Z
Zarai

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Zarai Taraqiati Bank LTD

Internship Report

REFFERENCES
Works Cited
(2015). 39246294-Internship-report-on-ZTBL-by-mumtaz-Ali-Hulio.
Investopedia. (2015, October). Retrieved from
http://www.investopedia.com/features/industryhandbook/banking.asp
Investor Guide. (2015, September). Retrieved from
http://investorguide360.com/category/pakistan-research-reports/bs/
Wikipedia. (2015, August). Retrieved from
https://en.wikipedia.org/wiki/Zarai_Taraqiati_Bank_Limited
World Bank. (2015, August). Retrieved from http://www.worldbank.org/
Zarai Taraqiati Bank. (2015, August). Retrieved from http://www.ztbl.com.pk/
ZTBL. (2015). ZTBL Annual Report 2012.
ZTBL. (2015). ZTBL Annual Report 2013.
ZTBL. (2014). ZTBL Annual Report 2014. ZTBL.

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