1. ZARAI TARAQIATI BANK LIMITED

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

3. 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

4. ZTBL AT A GLANCE
ZTBL, THE SUCCESSOR OF ADBP WAS INCORPORATED AS A PUBLIC LIMITED COMPANY IN OCTOBER, 2002
(As on )
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 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

5. 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

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

7. OVERALL RECOVERY DURING LAST 5 YEARS
(RUPEES-BILLION)

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

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

10. ZARAI TARAQIATI BANK LIMITED
SAIRAB PAKISTAN SCHEME
ZARAI TARAQIATI BANK LIMITED

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.

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/-
= Rs.375,000 – 750,000/-
= Rs.18, ,700/-

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.

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

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

16. THANK
YOU