ztbl 1 white revolution scheme zarai taraqiati bank limited
TRANSCRIPT
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ZTBL
WHITE REVOLUTION SCHEME
ZARAI TARAQIATI BANK LIMITED
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ZTBL
ZTBL PRIME OBJECTZTBL PRIME OBJECT
To provide sustainable To provide sustainable rural finance and services rural finance and services particularly to small particularly to small farmers and low income farmers and low income houses.houses.
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ZTBL
BALOCHISTAN
SINDH
NWFP
AJ&K
PUNJAB
FANA ZTBL FIELD SETUPZTBL FIELD SETUP
PROVINCEPROVINCE ZON.ZON. BR.BR.
PUNJABPUNJAB 1212 158158
SINDHSINDH 66 8787
NWFPNWFP 44 5050
BALOCHISTANBALOCHISTAN 33 3434
FANAFANA -- 0505
AJ&KAJ&K -- 0707
HEAD OFFICEHEAD OFFICE -- 0101
TOTALTOTAL 2525 342342
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ZTBL ZTBL AT A GLANCEZTBL AT A GLANCE
ZTBL, THE SUCCESSOR OF ADBP WAS INCORPORATED AS A PUBLIC ZTBL, THE SUCCESSOR OF ADBP WAS INCORPORATED AS A PUBLIC LIMITED COMPANY IN OCTOBER, 2002LIMITED COMPANY IN OCTOBER, 2002
NUMBER OF BRANCHESNUMBER OF BRANCHES 342342
NUMBER OF ZONESNUMBER OF ZONES 2525
TOTAL EMPLOYEES TOTAL EMPLOYEES (excl. service providers)(excl. service providers)5,302 5,302
EQUITY EQUITY Rs.13.5 BillionsRs.13.5 Billions
DEPOSITSDEPOSITS Rs. 2.9 BillionsRs. 2.9 Billions
SBP DEBTSSBP DEBTS RS. 54.5 BillionsRS. 54.5 Billions
OUTSTANDING LOAN PORTFOLIOOUTSTANDING LOAN PORTFOLIO Rs. 75 BillionsRs. 75 Billions
NUMBER OF BORROWERS NUMBER OF BORROWERS 790,790790,790
MARK-UP RATE:MARK-UP RATE: 9% WITH 1% REBATE ON TIMELY REPAYMENT9% WITH 1% REBATE ON TIMELY REPAYMENT
(As on 31-12-2006)
Cont…..P/2
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ZTBL ZTBL AT A GLANCEZTBL AT A GLANCE
OVERALL LOAN DISBURSEMENT *OVERALL LOAN DISBURSEMENT * Rs. 440 BillionRs. 440 Billion
TRACTORS FINANCED:-TRACTORS FINANCED:-
NUMBERNUMBER 482,000482,000
AMOUNTAMOUNT RS. 82 BILLIONSRS. 82 BILLIONS
TUBEWELLS FINANCEDTUBEWELLS FINANCED
NUMBERNUMBER 143,000143,000
AMOUNTAMOUNT RS.15 BILLIONSRS.15 BILLIONS
LOANS FOR SMALL DAIRY FARMS LOANS FOR SMALL DAIRY FARMS Rs.23 BillionRs.23 Billion
NUMBERNUMBER 516,000516,000
*SINCE INCEPTION UPTO APR. 2007*SINCE INCEPTION UPTO APR. 2007
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ZTBL
LOAN DISBURSEMENT FOR LOAN DISBURSEMENT FOR SMALL DAIRY FARMS SMALL DAIRY FARMS
PERIODPERIOD NUMBERNUMBER AMOUNTAMOUNT
DURING LAST 5 YEARSDURING LAST 5 YEARS 199,501199,501 1010
SINCE INCEPTIONSINCE INCEPTION 516,000516,000 2323
(RUPEES-BILLION)
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ZTBL SUMMARY OF BIG DAIRY PROJECTS SUMMARY OF BIG DAIRY PROJECTS
FINANCED BY THE BANKFINANCED BY THE BANK
DESCRIPTIONDESCRIPTION NO. OF PROJECTSNO. OF PROJECTS LOAN AMOUNTLOAN AMOUNT
UHT MILK PLANTS 13 697
DAIRY FARMS 49 176
(RUPEES-MILLIN)
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ZTBL OVERALL LOAN DISBURSEMENT OVERALL LOAN DISBURSEMENT DURING LAST 5 YEARSDURING LAST 5 YEARS
0
10
20
30
40
50
60
2002 2003 2004 2005 2006
DISBURSEMENT
49
34
30
53
29
39
(RUPEES-BILLION)
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ZTBL OVERALL RECOVERYOVERALL RECOVERY DURING LAST 5 YEARSDURING LAST 5 YEARS
0
5
10
15
20
25
30
35
40
45
50
2002 2003 2004 2005 2006
RECOVERY
49
49
37
42
34
39
(RUPEES-BILLION)
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1010
ZTBL
0
5
10
15
20
25
30
35
40
45
50
July- May,06 July- May,07
DISBURSEMENTS
49
39.6
47.3
LOAN DISBURSEMENT DURING LOAN DISBURSEMENT DURING 2006-07 AS COMPARED TO 2005-062006-07 AS COMPARED TO 2005-06
(RUPEES-BILLION)
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ZTBL
0
5
10
15
20
25
30
35
40
45
50
July- May,06 July- May,07
RECOVERY
49
39.1
48.2
RECOVERY DURING RECOVERY DURING 2006-07 AS COMPARED TO 2005-062006-07 AS COMPARED TO 2005-06
(RUPEES-BILLION)
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ZTBL
WHITE REVOLUTION SCHEMEWHITE REVOLUTION SCHEMEFEATURESFEATURES
CoverageCoverage Throughout the country & AJ & K.Throughout the country & AJ & K.
Eligible FarmersEligible Farmers Landless & Small Farmers.Landless & Small Farmers.
Permissible PurposesPermissible Purposes Working Capital for Fodder, Feed & equipments etc. Working Capital for Fodder, Feed & equipments etc. and Purchase of Animals.and Purchase of Animals.
Animals FinancingAnimals Financing Landless = 2 AnimalsLandless = 2 Animals
Farmers owning upto 12.5 Acr. = 5 AnimalsFarmers owning upto 12.5 Acr. = 5 Animals
Farmers owning above 12.5 Acr. = 10 AnimalsFarmers owning above 12.5 Acr. = 10 Animals
Maximum CeilingMaximum Ceiling Buffalo/cow (local) Rs.30,000 - 80,000/HeadBuffalo/cow (local) Rs.30,000 - 80,000/Head
Cow (imported) Rs. 110,000 -125,000/HeadCow (imported) Rs. 110,000 -125,000/Head
Equity contributionEquity contribution Varies 15% , 25% & 30% according to loan amount.Varies 15% , 25% & 30% according to loan amount.
Recovery PeriodRecovery Period 5 years in monthly installments with grace 5 years in monthly installments with grace
period of 4 months. period of 4 months.
Target FinancingTarget Financing Rs. 33 Billions During 2007-2011Rs. 33 Billions During 2007-2011
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ZTBL WHITE REVOLUTION SCHEMEWHITE REVOLUTION SCHEMEWITH COLLABORATION OF PDDC FEATURESWITH COLLABORATION OF PDDC FEATURES
Strategic Partnership between ZTBL & PDDC to extend Strategic Partnership between ZTBL & PDDC to extend collaborated efforts to modernize the dairy farming for collaborated efforts to modernize the dairy farming for increasing milk supply.increasing milk supply.
Pakistan Dairy Development Company (PDDC) shall Pakistan Dairy Development Company (PDDC) shall recommend good dairy farmers to ZTBL for provision recommend good dairy farmers to ZTBL for provision of finances for the purpose.of finances for the purpose.
Provision of assured quality dairy equipments i.e. milk Provision of assured quality dairy equipments i.e. milk chilling tanks, geezers, fodder machines/mixtures, chilling tanks, geezers, fodder machines/mixtures, water pumps/diesel engines etc. & installation thereof water pumps/diesel engines etc. & installation thereof to facilitate the dairy farmers/ bank’s clients.to facilitate the dairy farmers/ bank’s clients.
Competitive market rates of machinery/equipment.Competitive market rates of machinery/equipment. Repayment of mark-up as well as 50% of principal Repayment of mark-up as well as 50% of principal
amount by PDDC provided half of the total installments amount by PDDC provided half of the total installments is repaid by the borrower timely.is repaid by the borrower timely.
100% utilization of loan amount.100% utilization of loan amount.
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ZTBLWHITE REVOLUTION SCHEMEWHITE REVOLUTION SCHEME
LOANS FOR MODERNIZATION OF DAIRY FARMSLOANS FOR MODERNIZATION OF DAIRY FARMS TERMS & CONDITIONS UNDER PDDC PROGRAMMETERMS & CONDITIONS UNDER PDDC PROGRAMME
Coverage:Coverage: Initially in potential areas but to be Initially in potential areas but to be expanded in whole of the country.expanded in whole of the country.
Eligible Farmers:Eligible Farmers: Existing good dairy farmers duly Existing good dairy farmers duly selected/recommended by PDDC.selected/recommended by PDDC.
Delivery Channel:Delivery Channel: PDDC/ZTBL Branch Supplier.PDDC/ZTBL Branch Supplier.
Documents Required:Documents Required: CNIC Photocopy, LA Form, Agri. CNIC Photocopy, LA Form, Agri. Pass Book & 2 Photographs.Pass Book & 2 Photographs.
Loan Limits for Dairy Loan Limits for Dairy Farms having Animals:Farms having Animals: 1-20 1-20 21-5021-50 51-10051-100 Above 100Above 100
For Modernization Of Farm:For Modernization Of Farm:
= Rs.89,237/-= Rs.89,237/-
= Rs.155,370/-= Rs.155,370/-
= Rs.246,448/-= Rs.246,448/-
= Rs.636,866/-= Rs.636,866/-
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ZTBL
WHITE REVOLUTION SCHEMEWHITE REVOLUTION SCHEME LOANS FOR MODERNIZATION OF DAIRY FARMSLOANS FOR MODERNIZATION OF DAIRY FARMS
TERMS & CONDITIONS UNDER PDDC PROGRAMMETERMS & CONDITIONS UNDER PDDC PROGRAMME
Type of SecurityType of Security Agri Land/other Tangible Agri Land/other Tangible Security.Security.
Mandatory Deposit Mandatory Deposit AccountAccount
15% of the loan amount during entire 15% of the loan amount during entire currency period currency period
Cost of Credit:Cost of Credit:Appraisal Fee Appraisal Fee Mark-up Mark-up Insurance PremiumInsurance Premium
1% of loan amount1% of loan amount
9% with 1% rebate for timely repayment.9% with 1% rebate for timely repayment.
As per Prescribed rate for 5 years.As per Prescribed rate for 5 years.
Recovery PeriodRecovery Period 5 years in monthly installments with grace 5 years in monthly installments with grace
period of 4 months. period of 4 months.
Modernization Modernization Target of Dairy Target of Dairy Farms 2007-11Farms 2007-11
Numbers = 5,000/-Numbers = 5,000/-
Amount = Rs. 700 Million Amount = Rs. 700 Million
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ZTBL WHITE REVOLUTION SCHEMEWHITE REVOLUTION SCHEME FINANCING PLAN 2007-11FINANCING PLAN 2007-11
YEARSYEARS WORKING WORKING CAPITALCAPITAL
PURCHASE OF PURCHASE OF MILCH ANIMALSMILCH ANIMALS
MODERNIZATION MODERNIZATION OF FARMSOF FARMS
TOTALTOTAL
20072007 22 3 3 0.20.2 5.25.2
20082008 22 44 0.20.2 6.26.2
20092009 22 44 0.20.2 6.26.2
20102010 33 44 0.20.2 7.27.2
20112011 33 55 0.20.2 8.28.2
TotalTotal 1212 2020 11 3333
(RUPEES-BILLION)
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ZTBL