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.
2
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
4
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
WHITE REVOLUTION SCHEME
ZARAI TARAQIATI BANK LIMITED
10
ZTBL
LOAN DISBURSEMENT FOR
SMALL DAIRY FARMS
(RUPEES-BILLION)
11
PERIOD
NUMBER
AMOUNT
DURING LAST 5 YEARS
199,501
10
SINCE INCEPTION
516,000
23
ZTBL
SUMMARY OF BIG DAIRY PROJECTS
FINANCED BY THE BANK
(RUPEES-MILLION)
DESCRIPTION
12
NO. OF PROJECTS
LOAN AMOUNT
UHT MILK PLANTS
13
697
DAIRY FARMS
49
176
WHITE REVOLUTION SCHEME
ZTBL
FEATURES
Coverage
Throughout the country & AJ & K.
Eligible Farmers
Landless & Small Farmers.
Permissible Purposes Working Capital for Fodder, Feed & equipments etc.
and Purchase of Animals.
Animals Financing
Landless
= 2 Animals
Farmers owning upto 12.5 Acr.
= 5 Animals
Farmers owning above 12.5 Acr. = 10 Animals
Maximum Ceiling
Buffalo/cow (local) Rs.30,000 - 80,000/Head
Cow (imported) Rs. 110,000 -125,000/Head
Equity contribution
Varies 15% , 25% & 30% according to loan amount.
Recovery Period
5 years in monthly installments with grace
period of 4 months.
Target Financing
Rs. 33
13
Billions During 2007-2011
WHITE REVOLUTION SCHEME
WITH COLLABORATION OF PDDC FEATURES
ZTBL

Strategic Partnership between ZTBL & PDDC to extend
collaborated efforts to modernize the dairy farming for
increasing milk supply.
Pakistan Dairy Development Company (PDDC) shall
recommend good dairy farmers to ZTBL for provision
of finances for the purpose.




14
Provision of assured quality dairy equipments i.e. milk
chilling tanks, geezers, fodder machines/mixtures,
water pumps/diesel engines etc. & installation thereof
to facilitate the dairy farmers/ bank’s clients.
Competitive market rates of machinery/equipment.
Repayment of mark-up as well as 50% of principal
amount by PDDC provided half of the total
installments is repaid by the borrower timely.
100% utilization of loan amount.
ZTBL
WHITE REVOLUTION SCHEME
LOANS FOR MODERNIZATION OF DAIRY FARMS
TERMS & CONDITIONS UNDER PDDC PROGRAMME
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Coverage:
Initially in potential areas but to be
expanded in whole of the country.
Eligible Farmers:
Existing good dairy farmers duly
selected/recommended by PDDC.
Delivery Channel:
PDDC/ZTBL Branch Supplier.
Documents Required:
CNIC Photocopy, LA Form, Agri.
Pass Book & 2 Photographs.
Loan Limits for Dairy
Farms having Animals:
 1-20
 21-50
 51-100
 Above 100
For Modernization Of Farm:
=
=
=
=
Rs.89,237/Rs.155,370/Rs.246,448/Rs.636,866/-
WHITE REVOLUTION SCHEME
ZTBL
LOANS FOR MODERNIZATION OF DAIRY FARMS
TERMS & CONDITIONS UNDER PDDC PROGRAMME
Type of Security
Mandatory Deposit
Account
Cost of Credit:
Appraisal Fee
Mark-up
Insurance Premium
Recovery Period
16
Agri Land/other Tangible
Security.
15% of the loan amount during entire
currency period
1% of loan amount
9% with 1% rebate for timely repayment.
As per Prescribed rate for 5 years.
5 years in monthly installments with grace
period of 4 months.
Modernization Target
of Dairy Farms
Numbers
2007-11
Amount
=
=
5,000/Rs. 700 Million
ZTBL
WHITE REVOLUTION SCHEME
FINANCING PLAN 2007-11
(RUPEES-BILLION)
17
YEARS
WORKING
CAPITAL
PURCHASE OF
MILCH ANIMALS
MODERNIZATION
OF FARMS
TOTAL
2007
2
3
0.2
5.2
2008
2
4
0.2
6.2
2009
2
4
0.2
6.2
2010
3
4
0.2
7.2
2011
3
5
0.2
8.2
Total
12
20
1
33
ZTBL
SAIRAB PAKISTAN SCHEME
ZARAI TARAQIATI BANK LIMITED
18
SAIRAB PAKISTAN SCHEME
FEATURES
ZTBL





19
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
20
= 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
21
= 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
22
ZTBL
PROJECTED TUBEWELL / TURBINE
INSTALLATIONS DURING NEXT 5 YEARS
(RUPEES-MILLIONS)
23
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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