ACKNOWLEDGEMENT

I have great sense of gratitude for the most Beneficent and Merciful Allah who
has always helped me in all matters of life .I tried but He rewarded me more than
the tried.
I have deep feelings for whole of my family, in general, and for my Father, my
Mother and my elder brother, in particular .They have always soothed me,
elevated me and their words and dua has floated me in the deep seas of
troubles. All of my successes are due to the prayers of my family.
I am thankful to all of my teachers and my class fellows and friends whom
cheerfulness and guidance is an asset for me .I am especially thankful to the bank
staff who has given me opportunity to get precious practical knowledge and also
for their guidance during my internship. Without the help of all these I was not
able to complete this report.

Preface
This Internship report is the compulsion put in by Hailey College of Banking and Finance
for the award of master degree in business administration.
In order to accomplish the task of completion of the degree, I choose the renowned and
reputed organization that is the Zari Taraqiati Bank Ltd. I went through 6 weeks
internship training in the bank in order to perceive the true art and the practical picture
of banks working and to go through the process by which the organization is making
very good out of its limited resources. The report is based on the introduction of the
bank, products offered, financial analysis and assignments I handled during my
internship.
The report is divided into two main parts; the first part includes the introduction of
bank, its products and financial analysis while the second part is based on the
assignments I handled during my internship.
I am positive that the college will oblige me by giving its recommendation and consent
for the approval of the degree and the purpose for which I have gone through training
and report writing procedure will be served positively.

Table of Contents
Part One ______________________________________________ Error! Bookmark not defined.
Ch. 1: Introduction of Zarai Tarqiati Bank Ltd. _______________ Error! Bookmark not defined.
Chapter 1 _____________________________________________ Error! Bookmark not defined.
History _____________________________________________Error! Bookmark not defined.
Credit Rating ______________________________________ Error! Bookmark not defined.
Corporate Vision___________________________________ Error! Bookmark not defined.
Corporate Mission _________________________________ Error! Bookmark not defined.
Corporate Objectives __________________________________Error! Bookmark not defined.
Transformation of ZTBL to R.F.I of the country and road to excellence.Error! Bookmark not
defined.
Branch Network ______________________________________Error! Bookmark not defined.
Management Hierarchy ________________________________Error! Bookmark not defined.
Board of Directors ____________________________________Error! Bookmark not defined.
A Brief Resume of President _________________________ Error! Bookmark not defined.
Kissan Support Services Ltd. ____________________________Error! Bookmark not defined.
KSS Aim __________________________________________ Error! Bookmark not defined.
KSS Operation _____________________________________ Error! Bookmark not defined.
Objectives ________________________________________ Error! Bookmark not defined.
Services/Activities so far undertaken by KSS _____________ Error! Bookmark not defined.
Chapter 2 _____________________________________________ Error! Bookmark not defined.
Products and Services _________________________________Error! Bookmark not defined.
ZTBL Locker Facility ________________________________ Error! Bookmark not defined.
Products offered to Meet Finance Need of Farmers _________Error! Bookmark not defined.
Types of Loans Advanced ____________________________ Error! Bookmark not defined.
Loan Schemes ________________________________________Error! Bookmark not defined.
Supervised agriculture scheme: _______________________ Error! Bookmark not defined.
Zarkhaiz (one window operation) _____________________ Error! Bookmark not defined.
Sada Bahar Scheme ________________________________ Error! Bookmark not defined.
Tea financing scheme _______________________________ Error! Bookmark not defined.
Crop maximization project ___________________________ Error! Bookmark not defined.
PER ACRE CREDIT LIMITS _______________________________Error! Bookmark not defined.
Major Crops ______________________________________ Error! Bookmark not defined.
Minor Crops ______________________________________ Error! Bookmark not defined.
Growing Agro Forest Trees___________________________ Error! Bookmark not defined.
Growing Orchards _________________________________ Error! Bookmark not defined.
Mature Orchard/Fruits crops _________________________ Error! Bookmark not defined.

Types of Security _____________________________________Error! Bookmark not defined.

Immovable Property _______________________________ Error! Bookmark not defined.
Moveable Property and Guarantees ___________________ Error! Bookmark not defined.
Personal Surety ___________________________________ Error! Bookmark not defined.
Debt Equity Ratio _____________________________________Error! Bookmark not defined.
Repayment Periods ___________________________________Error! Bookmark not defined.
Recovery Procedure ___________________________________Error! Bookmark not defined.
A) Recovery Schedule _______________________________ Error! Bookmark not defined.
b) Issuance of Notices ______________________________ Error! Bookmark not defined.
c) Legal Action ____________________________________ Error! Bookmark not defined.
d) Rescheduling of Loan Repayment Facility _____________ Error! Bookmark not defined.
d) Down Payment for Rescheduling of Loans ____________ Error! Bookmark not defined.
Chapter 3 _____________________________________________ Error! Bookmark not defined.
Horizontal Analysis of Balance Sheet _____________________Error! Bookmark not defined.
Vertical Analysis of Balance Sheet _______________________Error! Bookmark not defined.
Horizontal Analysis of Profit & Loss ______________________Error! Bookmark not defined.
Vertical Analysis of Profit & Loss _________________________Error! Bookmark not defined.
Interpetation of Horizontal and Vertical Analysis ___________Error! Bookmark not defined.
Interpetation of Horizontal and Vertical Analysis of Balance Sheet ____ Error! Bookmark not
defined.
Cash and Balance with Treasury Banks ____________________Error! Bookmark not defined.
Ratios ______________________________________________Error! Bookmark not defined.
Key Financial Trends of 2009 ____________________________Error! Bookmark not defined.
Credit Risk __________________________________________Error! Bookmark not defined.
Market Risk_______________________________________ Error! Bookmark not defined.
Liquidity _________________________________________ Error! Bookmark not defined.
Profitability _______________________________________ Error! Bookmark not defined.
Capitalization _____________________________________ Error! Bookmark not defined.
Chapter 4 _____________________________________________ Error! Bookmark not defined.
SWOT Analysis _______________________________________Error! Bookmark not defined.
Strengths ________________________________________ Error! Bookmark not defined.
Weaknesses ______________________________________ Error! Bookmark not defined.
Opportunities _____________________________________ Error! Bookmark not defined.
Threats __________________________________________ Error! Bookmark not defined.
Part Two ______________________________________________ Error! Bookmark not defined.
Ch. 5: Assignments I handled during my Internship. __________ Error! Bookmark not defined.

Chapter 5 _____________________________________________ Error! Bookmark not defined.

Organogram of Mian Channu Branch _____________________Error! Bookmark not defined.
Redemption of loan ___________________________________Error! Bookmark not defined.
Opening of Current Account ____________________________Error! Bookmark not defined.
1: Acquiring Original CNIC ___________________________ Error! Bookmark not defined.
2: Filling Current Account Form _______________________ Error! Bookmark not defined.
3: Filling of Know Your Customer Form _________________ Error! Bookmark not defined.
4: Current Account Specimen Card ____________________ Error! Bookmark not defined.
5: Registering name in the Current Account Register (Issuance of A/C No.) Error! Bookmark
not defined.
6: Filling of Deposit Slip of starting amount ______________ Error! Bookmark not defined.
7: Signing by AMO and Manager ______________________ Error! Bookmark not defined.
8: Issuance of Cheque book __________________________ Error! Bookmark not defined.
9: Opening account in the ledger of bank _______________ Error! Bookmark not defined.
ZTBL Flood Relief Fund 2010 _________________________ Error! Bookmark not defined.
Writing of Vouchers ___________________________________Error! Bookmark not defined.
1. Debit Voucher___________________________________ Error! Bookmark not defined.
2. Credit Voucher __________________________________ Error! Bookmark not defined.
3. Transfer Voucher ________________________________ Error! Bookmark not defined.
Sample of Debit/Credit Voucher _________________________Error! Bookmark not defined.
Sample of Transfer Voucher ____________________________Error! Bookmark not defined.
Daily Transaction Scroll ________________________________Error! Bookmark not defined.
Making Entries in the Ledgers ___________________________Error! Bookmark not defined.
Disbursement and Recovery Entries ______________________Error! Bookmark not defined.
Revolving SBS Loan ___________________________________Error! Bookmark not defined.
Opening and Closing Cash ______________________________Error! Bookmark not defined.
Key Register ______________________________________ Error! Bookmark not defined.
Safe Register: _____________________________________ Error! Bookmark not defined.
Dispatch and Diary ____________________________________Error! Bookmark not defined.
Recommendations ____________________________________Error! Bookmark not defined.
Conclusion __________________________________________Error! Bookmark not defined.