Presentation on theme: "ZTBL 1 ZARAI TARAQIATI BANK LIMITED. ZTBL 2 ZTBL PRIME OBJECT To provide sustainable rural finance and services particularly to small farmers and low."— Presentation transcript:
ZTBL 2 ZTBL PRIME OBJECT To provide sustainable rural finance and services particularly to small farmers and low income houses. To provide sustainable rural finance and services particularly to small farmers and low income houses.
ZTBL 4 ZTBL AT A GLANCE ZTBL, THE SUCCESSOR OF ADBP WAS INCORPORATED AS A PUBLIC LIMITED COMPANY IN OCTOBER, 2002 NUMBER OF BRANCHES 342 NUMBER OF ZONES 25 TOTAL EMPLOYEES (excl. service providers) 5,326 EQUITY Rs.13.6 Billions DEPOSITS Rs. 2.9 Billions SBP DEBTS RS. 54.5 Billions OUTSTANDING LOAN PORTFOLIO(Net) Rs. 62 Billions NUMBER OF BORROWERS 790,790 MARK-UP RATE: 9% WITH 1% REBATE ON TIMELY REPAYMENT (As on 31-12-2006) Cont…..P/2
ZTBL 5 ZTBL AT A GLANCE OVERALL LOAN DISBURSEMENT * RS. 440 Billion TRACTORS FINANCED:- NUMBER NUMBER482,000 AMOUNT AMOUNT RS. 82 BILLIONS TUBEWELLS FINANCED NUMBER NUMBER143,000 AMOUNT AMOUNT RS.15 BILLIONS RS.15 BILLIONS LOANS FOR SMALL DAIRY FARMS Rs.23 Billion NUMBER NUMBER516,000 *SINCE INCEPTION UPTO APR. 2007
ZTBL 6 OVERALL LOAN DISBURSEMENT DURING LAST 5 YEARS (RUPEES-BILLION)
ZTBL 7 OVERALL RECOVERY DURING LAST 5 YEARS (RUPEES-BILLION)
ZTBL 8 LOAN DISBURSEMENT DURING 2006-07 AS COMPARED TO 2005-06 (RUPEES-BILLION)
ZTBL 9 RECOVERY DURING 2006-07 AS COMPARED TO 2005-06 (RUPEES-BILLION)
ZTBL 10 SAIRAB PAKISTAN SCHEME ZARAI TARAQIATI BANK LIMITED
ZTBL 11 SAIRAB PAKISTAN SCHEME FEATURES Collaborated efforts by ZTBL & KSB To un-tap underground water to overcome the deficiency of irrigation water. Assured quality products & installation of tubewells / turbines to facilitate the bank’s clients. Competitive market rates of machinery/equipment with one year warranty & after sales services. Credit provision as well as completion of project on priority. 100% utilization of loan amount.
ZTBL 12 SAIRAB PAKISTAN SCHEME LOANS FOR IRRIGATION PURPOSES TERMS & CONDITIONS Coverage: Throughout Pakistan/AJK. Eligible Farmers: Having land holding atleast 3 Acrs. or above. Delivery Channel: MCO/Branch/One Window Operation / Supplier. Documents Required: CNIC Photocopy, LA Form, Agri. Pass Book & 2 Photograph. Loan Limits: Shallow T/wells Deep T/well/Turbine Lift Pumps = Rs.72,000 - 135,000/- = Rs.375,000 – 750,000/- = Rs.18,750 -35,700/-
ZTBL 13 SAIRAB PAKISTAN SCHEME LOANS FOR IRRIGATION PURPOSES TERMS & CONDITIONS Type of Security = Agri Land / other Tangible Security. Equity Contribution = 25% Cost of Credit: LA Form Postal Charges Appraisal Fee Mark-up = Rs.20/- = Rs.50/- p.a. = 1% = 9% pa with 1% rebate on timely repayment. Recovery Period = 5 years in half yearly installments.
ZTBL 14 LOAN DISBURSEMENT FOR INSTALATION OF TUBEWELLS PERIODNUMBERAMOUNT DURING LAST 5 YEARS 21,2754 SINCE INCEPTION 1,43,00015 (RUPEES-BILLION)
ZTBL 15 PROJECTED TUBEWELL / TURBINE INSTALLATIONS DURING NEXT 5 YEARS YEARSNUMBERAMOUNT 20074,000700 20085,000900 20096,0001,200 20107,0001,500 20118,0001,700 Total30,0006,000 (RUPEES-MILLIONS )