Professional Documents
Culture Documents
Operations Management
Operations Management
Submitted by
Group members Shazer ali(roll no 08)
Ali raza (roll no 03)
Fawad sarwar 06
Hareeem afzal
(R.no04)
` Saima saleem(r no 42)
ZTBL is the only institution with total focus on agriculture, the back bone of
Pakistan's economy, and a key player for alleviating poverty by ensuring
greater outreach for cost effective and timely availability of credit to the
farming community. Private sectors initiative is understandably lacking in
this important economic sector with inherent risks. Therefore the
agricultural loans provided by commercial banks are mostly tied to large
agro based industrial projects in sectors like sugar, milk and juice plants
etc. The real needs of the small farmers are production loans for agri
inputs, and development loans for farm machinery and implements, which
are almost catered by ZTBL. In addition ZTBL is required to play another
important role in uplifting rural areas with special focus on women.
The Bank is increasingly meeting the growing demand of the farming
community in line with the Government's policy to revitalize the agriculture
sector to play its role in strengthening the Pakistan's economy. During the
year 2009 the disbursement of agri loans has increased from Rs. 55.9
billion in the year 2007 to Rs. 77.6 billion, registering an increase of Rs. 22
billion in just one and a half year since my taking charge of the Bank.
• The credits facilities are given to the customers against their land securities.
And also for the security reasons 80% of the total cost of the land security are
given to the customers as loan. For example if the cost of the land is 1 Lac then the
loan of 80 thousand will be given to the customer.
• Secondly for the deposit of your PLS(profit and loss sharing) account, term
deposit account and rozana batchat account the customers only need to give his
CNIC and there is a minimum balance restriction to deposit.
• It takes the hajj applications from the customers and then forwards it to the
headquarter for the further procedure. Nominations re being done by the
headquarters.
• Fourthly it collects the utility bills.
• And lastly salaries are being dispersed among the employees of the ZTBL.
Deputy manager
His responsibility is to look after all the account section of the bank