INTERNSHIP REPORT ON

ZARAI TARAQIATI BANK LIMITED

Submitted by: Malik Raheel Riaz

Roll # F-11-24
MBA (Finance)

Supervised by: Dr. Amjad Rafiq

Government College of Management Sciences

Abbottabad
SESSION
2011-2015

INTERNSHIP REPORT ON
ZARAI TARAQIATI BANK LIMITED
Submitted by: Malik Raheel Riaz
Roll # F-11-24
Supervised by: Dr. Amjad Rafiq

This internship report is submitted in partial fulfillment of the

requirements for the degree of Master of Business Administration
awarded by the Hazara University,
Abbottabad

Government College of Management Sciences Abbottabad

SESSION
2011-2015

Government College of Management Sciences

Abbottabad
APPROVAL SHEET

Approval Committee
1 External Examiner

Mr.______________________ Signature______________________

2 Supervisor
Dr. Amjad Rafiq

Signature______________________

Designation Associate Professor

3 Head of department
Mr. Mushtaq Ahmad____________ Signature_____________________
Designation Principal

DEDICATED
To my parents whose unconditional love & support helped me in making this report. To
my teachers for their cooperation and assistance. To my siblings for their gentle
encouragement & valuable support. Also my dear mother for supporting me through out
my tenure of learning as well as praying for my success through out my life and also in
my future. Her prayers today make me so proud also my dear father for supporting me
financially all my life, fulfilling my basic necessaries as well as luxuries of life. I am
thankful to my parents for their support through out my study career. Today what I am,
because of them.

TABLE OF CONTENTS
CHAPTER 1
INTRODUCTION TO THE REPORT

01

1.1 Background of Study

01

1.2 Purpose of the Study

01

1.3 Scope of Study

02

1.4 Data Collection Methodologies

02

1.4.1 The Source of Primary Data

02

1.4.2 The Source of Secondary Data

02

1.5 Objectives of the study

03

1.6 Limitations

03

CHAPTER 2
INTRODUCTION TO THE ORGANIZATION

05

2.1 Historical background of Agricultural banking in Pakistan

05

2.2 Agricultural Development Bank of Pakistan (ADBP)

05

2.3 Conversion of ADBP into Zarai Taraqiati Bank

05

2.4 Organization

06

2.5 Brief History of Zarai Taraqiati Bank of Pakistan

07

2.6 Major functions of Zarai Taraqiati Bank are as follows

08

2.7 ZTBL Vision Statement

09

2.8 ZTBL Mission Statement

09

2.9 Corporate Mission

10

2.10 Ethical Values

10

CHAPTER 3
FINANCIAL ANALYSIS

18

3.1 Introduction

18

3.2 VERTICAL ANALYSIS of balance sheet

19

3.3 Vertical Analysis of Income Statement

20

3.4 HORIZONTAL ANALYSIs of balance sheet

21

3.5 horizontal analysis of income statement

22

3.6 Ratio analysis

23

3.7 Financial Leverage / Debt Ratios

23

3.8 Profitability Ratios

25

CHAPTER 4
SWOT ANALYSIS OF ZARAI TARAQIATI BANK LIMITED (ZTBL)

37

CHAPTER 5
RECOMMENDATIONS AND CONCLUSION

43

REFERENCES

46

ACKNOWLEDGEMENT

Every praise to Allah Almighty the merciful, who knows about whatever is there in universe, hidden or
evident. Who enables me to get such valuable knowledge, which definitely helped me in my professional
life.
I would like to thank my supervisor Dr.Amjad Rafiq who trust my abilities and gave me opportunity to
use my skill. Thanks to all staff of ZTBL. They gave me their precious time and I learned lot from them.
Thanks to all my friends and family who helped me.

MALIK RAHEEL RIAZ

LIST OF ABBREVIATIONS

ZTBL

Zari Taraqiati Bank Limited

BBA

Bachelor of Business Administration

BOD

Board of Directors

D.D

Demand Draft

EBIT

Earning Before Income Tax

EPS

Earning per share

EVP

Executive vice president

I.T

Information technology

L/C

letter of credit

M/T

Mail Transfer

MIS

Management Information system

PLS

Profit and loss saving

SBP

State bank of Pakistan

SEVP

Senior executive vice president

SVP

Senior vice president

SWOT

Strength Weaknesses Opportunities Threat

SS

Specimen signature

VP

Vice president

EXECUTIVE SUMMARY

The Zarai Traqiati Bank Limited (ZTBL) is single largest supplier of institutional agriculture credit in
Pakistan. ZTBL is corporate body enjoying sami- autonomy in the conduct of its operations. The federal
government together with state bank of Pakistan exercise policy control over bank. Both the availability
of financial resources and quantum of lending programs of the bank are subject to their approval.

The funds for lending are provided by State Bank of Pakistan at 2% below bank rate. The foreign loan
obtained from IDA, Swedish International Development Authority, and Asian Development Bank.
Lending is done for uptake of modern technology, tapping of underground water resources, application of
chemical inputs and miscellaneous activities.

My internship goals are to learn about different functions that are performed in branch.
I have learned from internship how to carry out work, handle my responsibilities, and learned how to
interact with others and what kind of organizational behaviors are acceptable and non acceptable. I leaned
time management and work accomplishment effectively and efficiently.
I observed there friendly environment, strong relationship among pears and computerized system which
enabled organization to avoid problems related to manual system.