11

ZTBL

ZARAI TARAQIATI BANK LIMITED

22

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.

33

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

44

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)5,326 5,326

EQUITY EQUITY Rs.13.6 BillionsRs.13.6 Billions

DEPOSITSDEPOSITS Rs. 2.9 BillionsRs. 2.9 Billions

SBP DEBTSSBP DEBTS RS. 54.5 BillionsRS. 54.5 Billions

OUTSTANDING LOAN PORTFOLIO(Net)OUTSTANDING LOAN PORTFOLIO(Net) Rs. 62 BillionsRs. 62 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

55

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

66

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)

77

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)

88

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)

99

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)

1010

ZTBL

WHITE REVOLUTION SCHEME

ZARAI TARAQIATI BANK LIMITED

1111

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)

1212

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-MILLION)

1313

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

1414

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.

1515

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/-

1616

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

1717

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)

1818

ZTBL

SAIRAB PAKISTAN SCHEME

ZARAI TARAQIATI BANK LIMITED

1919

ZTBL SAIRAB PAKISTAN SCHEMESAIRAB PAKISTAN SCHEMEFEATURESFEATURES

Collaborated efforts by ZTBL & KSB To un-tap Collaborated efforts by ZTBL & KSB To un-tap underground water to overcome the underground water to overcome the deficiency of irrigation water. deficiency of irrigation water.

Assured quality products & installation of Assured quality products & installation of tubewells / turbines to facilitate the bank’s tubewells / turbines to facilitate the bank’s clients.clients.

Competitive market rates of Competitive market rates of machinery/equipment with one year warranty machinery/equipment with one year warranty & after sales services.& after sales services.

Credit provision as well as completion of Credit provision as well as completion of project on priority.project on priority.

100% utilization of loan amount.100% utilization of loan amount.

2020

ZTBLSAIRAB PAKISTAN SCHEMESAIRAB PAKISTAN SCHEME LOANS FOR IRRIGATION PURPOSESLOANS FOR IRRIGATION PURPOSES

TERMS & CONDITIONSTERMS & CONDITIONS

Coverage:Coverage: Throughout Pakistan/AJK.Throughout Pakistan/AJK.

Eligible Farmers:Eligible Farmers: Having land holding atleast 3 Acrs. Having land holding atleast 3 Acrs. or above.or above.

Delivery Channel:Delivery Channel: MCO/Branch/One Window MCO/Branch/One Window Operation / Supplier.Operation / Supplier.

Documents Required:Documents Required: CNIC Photocopy, LA Form, Agri. CNIC Photocopy, LA Form, Agri. Pass Book & 2 Photograph.Pass Book & 2 Photograph.

Loan Limits:Loan Limits:Shallow T/wellsShallow T/wellsDeep T/well/TurbineDeep T/well/TurbineLift PumpsLift Pumps

= Rs.72,000 - 135,000/-= Rs.72,000 - 135,000/-

= Rs.375,000 – 750,000/-= Rs.375,000 – 750,000/-

= Rs.18,750 -35,700/-= Rs.18,750 -35,700/-

2121

ZTBLSAIRAB PAKISTAN SCHEME SAIRAB PAKISTAN SCHEME

LOANS FOR IRRIGATION PURPOSES LOANS FOR IRRIGATION PURPOSES TERMS & CONDITIONSTERMS & CONDITIONS

Type of SecurityType of Security = Agri Land / other Tangible Security.= Agri Land / other Tangible Security.

Equity ContributionEquity Contribution = 25%= 25%

Cost of Credit:Cost of Credit:LA FormLA FormPostal ChargesPostal ChargesAppraisal Fee Appraisal Fee Mark-up Mark-up

= Rs.20/-= Rs.20/-

= Rs.50/- p.a.= Rs.50/- p.a.

= 1%= 1%

= 9% pa with 1% rebate on timely = 9% pa with 1% rebate on timely repayment.repayment.

Recovery PeriodRecovery Period = 5 years in half yearly installments. = 5 years in half yearly installments.

2222

ZTBL

LOAN DISBURSEMENT FOR LOAN DISBURSEMENT FOR INSTALATION OF TUBEWELLS INSTALATION OF TUBEWELLS

PERIODPERIOD NUMBERNUMBER AMOUNTAMOUNT

DURING LAST 5 YEARSDURING LAST 5 YEARS 21,27521,275 44

SINCE INCEPTIONSINCE INCEPTION 1,43,0001,43,000 1515

(RUPEES-BILLION)

2323

ZTBL PROJECTED TUBEWELL / TURBINE PROJECTED TUBEWELL / TURBINE INSTALLATIONS DURING NEXT 5 YEARSINSTALLATIONS DURING NEXT 5 YEARS

YEARSYEARS NUMBERNUMBER AMOUNTAMOUNT

20072007 4,0004,000 700700

20082008 5,0005,000 900900

20092009 6,0006,000 1,2001,200

20102010 7,0007,000 1,5001,500

20112011 8,0008,000 1,7001,700

TotalTotal 30,00030,000 6,0006,000

(RUPEES-MILLIONS)

2424

ZTBL