Internship Report onzarai taraqiati bank Limited
Submitted by: Malik Raheel Riaz
Roll # F-11-24MBA (Finance)
Supervised by: Dr. Amjad Rafiq
Government College of Management Sciences AbbottabadSESSION
2011-2015Internship Report onzarai taraqiati bank Limited
Submitted by: Malik Raheel RiazRoll # F-11-24Supervised 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 AbbottabadSESSION
2011-2015Government College of Management SciencesAbbottabad
APPROVAL SHEET
Approval Committee 1. External Examiner
Mr.______________________ Signature______________________
1. Supervisor
Dr. Amjad Rafiq Signature______________________
Designation Associate Professor
1. Head of department
Mr. Mushtaq Ahmad____________ Signature_____________________
Designation Principal
DedicatedTo 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 ContentsChapter 1Introduction to the Report011.1
Background of Study011.2 Purpose of the Study011.3 Scope of
Study021.4 Data Collection Methodologies021.4.1 The Source of
Primary Data021.4.2 The Source of Secondary Data021.5 Objectives of
the study031.6 Limitations03
Chapter 2Introduction to the organization052.1 Historical
background of Agricultural banking in Pakistan052.2 Agricultural
Development Bank of Pakistan (ADBP)052.3 Conversion of ADBP into
Zarai Taraqiati Bank052.4 Organization062.5 Brief History of Zarai
Taraqiati Bank of Pakistan072.6 Major functions of Zarai Taraqiati
Bank are as follows082.7 ZTBL Vision Statement092.8 ZTBL Mission
Statement092.9 Corporate Mission102.10 Ethical Values10
Chapter 3Financial Analysis183.1 Introduction183.2 VERTICAL
ANALYSIS of balance sheet193.3 Vertical Analysis of Income
Statement203.4 HORIZONTAL ANALYSIs of balance sheet 21 3.5
horizontal analysis of income statement223.6 Ratio analysis233.7
Financial Leverage / Debt Ratios233.8 Profitability Ratios25
Chapter 4SWOT Analysis of Zarai Taraqiati Bank Limited
(ZTBL)37
Chapter 5Recommendations and Conclusion43
References46
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 LimitedBBA Bachelor of Business
AdministrationBOD Board of DirectorsD.D Demand DraftEBIT Earning
Before Income TaxEPS Earning per shareEVP Executive vice
presidentI.T Information technologyL/C letter of creditM/T Mail
TransferMIS Management Information systemPLS Profit and loss
savingSBP State bank of PakistanSEVP Senior executive vice
presidentSVP Senior vice presidentSWOT Strength Weaknesses
Opportunities ThreatSS Specimen signatureVP 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.
