ZTBL

ZARAI TARAQIATI BANK LIMITED

ZTBL

ZTBL PRIME OBJECT

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

ZTBL

FANA

ZTBL FIELD SETUP

AJ&K

NWFP

PUNJAB
BALOCHISTAN

SINDH

PROVINCE

ZON.

BR.

12

158

SINDH

87

NWFP

50

BALOCHISTAN

34

FANA

05

AJ&K

07

HEAD OFFICE

01

25

342

PUNJAB

TOTAL

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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

Rs. 62 Billions
790,790

MARK-UP RATE: 9% WITH 1% REBATE ON TIMELY REPAYMENT

Cont..P/2

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

Rs.23 Billion
516,000

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OVERALL LOAN DISBURSEMENT

DURING LAST 5 YEARS
(RUPEES-BILLION)

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OVERALL RECOVERY
DURING LAST 5 YEARS
(RUPEES-BILLION)

ZTBL

LOAN DISBURSEMENT DURING

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

ZTBL

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

ZTBL

WHITE REVOLUTION SCHEME

ZARAI TARAQIATI BANK LIMITED

ZTBL

LOAN DISBURSEMENT FOR

SMALL DAIRY FARMS
(RUPEES-BILLION)

PERIOD

NUMBER

AMOUNT

DURING LAST 5 YEARS

199,501

10

SINCE INCEPTION

516,000

23

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SUMMARY OF BIG DAIRY PROJECTS

FINANCED BY THE BANK
(RUPEES-MILLION)

DESCRIPTION

NO. OF PROJECTS

LOAN AMOUNT

UHT MILK PLANTS

13

697

DAIRY FARMS

49

176

ZTBL

WHITE REVOLUTION SCHEME

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

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.

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/ banks 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
Coverage:
Eligible Farmers:
Delivery Channel:
Documents Required:
Loan Limits for Dairy
Farms having Animals:
1-20
21-50
51-100
Above 100

Initially in potential areas but to be

expanded in whole of the country.
Existing good dairy farmers duly
selected/recommended by PDDC.
PDDC/ZTBL Branch Supplier.
CNIC Photocopy, LA Form, Agri.
Pass Book & 2 Photographs.
For Modernization Of Farm:
= Rs.89,237/= Rs.155,370/= Rs.246,448/= Rs.636,866/-

ZTBL

WHITE REVOLUTION SCHEME

LOANS FOR MODERNIZATION OF DAIRY FARMS
TERMS & CONDITIONS UNDER PDDC PROGRAMME

Type of Security

Agri Land/other Tangible

Security.

Mandatory Deposit
Account

15% of the loan amount during entire

currency period

Cost of Credit:
Appraisal Fee
Mark-up
Insurance Premium

1% of loan amount
9% with 1% rebate for timely repayment.
As per Prescribed rate for 5 years.

Recovery Period

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)

YEARS

WORKING
CAPITAL

PURCHASE OF
MILCH ANIMALS

MODERNIZATION
OF FARMS

TOTAL

2007

0.2

5.2

2008

0.2

6.2

2009

0.2

6.2

2010

0.2

7.2

2011

0.2

8.2

Total

12

20

33

ZTBL

SAIRAB PAKISTAN SCHEME

ZARAI TARAQIATI BANK LIMITED

SAIRAB PAKISTAN SCHEME

FEATURES

ZTBL

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 banks
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.
MCO/Branch/One Window
Operation / Supplier.
CNIC Photocopy, LA Form, Agri.
Pass Book & 2 Photograph.

Delivery Channel:
Documents Required:
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

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

= 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

1,43,000

15

SINCE INCEPTION

ZTBL

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

6,000

ZTBL