Transcript ZTBL Schemes

ZTBL
ZARAI TARAQIATI BANK LIMITED
1
ZTBL
ZTBL PRIME OBJECT
To
provide
sustainable
rural finance and services
particularly
to
small
farmers and low income
houses.
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ZTBL
FANA
ZTBL FIELD SETUP
AJ&K
NWFP
PUNJAB
BALOCHISTAN
SINDH
PROVINCE
ZON.
BR.
12
158
SINDH
6
87
NWFP
4
50
BALOCHISTAN
3
34
FANA
-
05
AJ&K
-
07
HEAD OFFICE
-
01
25
342
PUNJAB
TOTAL
3
ZTBL
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
NUMBER OF ZONES
TOTAL EMPLOYEES
342
25
(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)
NUMBER OF BORROWERS
MARK-UP RATE: 9% WITH 1% REBATE
Rs. 62 Billions
790,790
ON TIMELY REPAYMENT
Cont…..P/2
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ZTBL AT A GLANCE
ZTBL
OVERALL LOAN DISBURSEMENT *
RS. 440 Billion
TRACTORS FINANCED:NUMBER
482,000
AMOUNT
RS. 82 BILLIONS
TUBEWELLS FINANCED
NUMBER
143,000
AMOUNT
RS.15 BILLIONS
LOANS FOR SMALL DAIRY FARMS
NUMBER
*SINCE INCEPTION UPTO APR. 2007
5
Rs.23 Billion
516,000
OVERALL LOAN DISBURSEMENT
DURING LAST 5 YEARS
ZTBL
60
(RUPEES-BILLION)
50
53
40
4
9
39
30
34
29
30
2002
2003
20
10
0
2004
DISBURSEMENT
6
2005
2006
OVERALL RECOVERY
DURING LAST 5 YEARS
ZTBL
50
45
(RUPEES-BILLION)
49
40
42
35
30
25
39
4
34
9
37
20
15
10
5
0
2002
2003
2004
RECOVERY
7
2005
2006
ZTBL
LOAN DISBURSEMENT DURING
2006-07 AS COMPARED TO 2005-06
50
(RUPEES-BILLION)
45
47.3
40
39.6
35
30
4
9
25
20
15
10
5
0
July- May,06
July- May,07
DISBURSEMENTS
8
RECOVERY DURING
ZTBL
2006-07 AS COMPARED TO 2005-06
50
(RUPEES-BILLION)
45
48.2
40
39.1
35
30
4
9
25
20
15
10
5
0
July- May,06
9
July- May,07
RECOVERY
ZTBL
SAIRAB PAKISTAN SCHEME
ZARAI TARAQIATI BANK LIMITED
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SAIRAB PAKISTAN SCHEME
FEATURES
ZTBL





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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
ZTBL
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
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= Rs.72,000 - 135,000/= Rs.375,000 – 750,000/= Rs.18,750 -35,700/-
ZTBL
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
Recovery Period
13
= Rs.20/= Rs.50/- p.a.
= 1%
= 9% pa with 1% rebate on timely
repayment.
= 5 years in half yearly installments.
ZTBL
LOAN DISBURSEMENT FOR
INSTALATION OF TUBEWELLS
(RUPEES-BILLION)
PERIOD
NUMBER
AMOUNT
DURING LAST 5 YEARS
21,275
4
1,43,000
15
SINCE INCEPTION
14
ZTBL
PROJECTED TUBEWELL / TURBINE
INSTALLATIONS DURING NEXT 5 YEARS
(RUPEES-MILLIONS)
15
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
6,000
ZTBL
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