ZARAI TARAQIATI BANK LIMITED

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Presentation transcript:

ZARAI TARAQIATI BANK LIMITED

ZTBL PRIME OBJECT To provide sustainable rural finance and services particularly to small farmers and low income houses.

ZTBL FIELD SETUP NWFP PUNJAB BALOCHISTAN SINDH AJ&K FANA PUNJAB 12 158 PROVINCE ZON. BR. PUNJAB 12 158 SINDH 6 87 NWFP 4 50 BALOCHISTAN 3 34 FANA - 05 AJ&K 07 HEAD OFFICE 01 TOTAL 25 342

ZTBL AT A GLANCE ZTBL, THE SUCCESSOR OF ADBP WAS INCORPORATED AS A PUBLIC LIMITED COMPANY IN OCTOBER, 2002 (As on 31-12-2006) 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 Cont…..P/2

ZTBL AT A GLANCE OVERALL LOAN DISBURSEMENT * RS. 440 Billion TRACTORS FINANCED:- NUMBER 482,000 AMOUNT RS. 82 BILLIONS TUBEWELLS FINANCED 143,000 RS.15 BILLIONS LOANS FOR SMALL DAIRY FARMS Rs.23 Billion 516,000 *SINCE INCEPTION UPTO APR. 2007

OVERALL LOAN DISBURSEMENT DURING LAST 5 YEARS (RUPEES-BILLION)

OVERALL RECOVERY DURING LAST 5 YEARS (RUPEES-BILLION)

LOAN DISBURSEMENT DURING 2006-07 AS COMPARED TO 2005-06 (RUPEES-BILLION)

RECOVERY DURING 2006-07 AS COMPARED TO 2005-06 (RUPEES-BILLION)

ZARAI TARAQIATI BANK LIMITED SAIRAB PAKISTAN SCHEME ZARAI TARAQIATI BANK LIMITED

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.

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/-

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.

LOAN DISBURSEMENT FOR INSTALATION OF TUBEWELLS (RUPEES-BILLION) PERIOD NUMBER AMOUNT DURING LAST 5 YEARS 21,275 4 SINCE INCEPTION 1,43,000 15

PROJECTED TUBEWELL / TURBINE INSTALLATIONS DURING NEXT 5 YEARS (RUPEES-MILLIONS) YEARS NUMBER AMOUNT 2007 4,000 700 2008 5,000 900 2009 6,000 1,200 2010 7,000 1,500 2011 8,000 1,700 Total 30,000

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