Internship Report On Zarai Taraqiati Bank Limited: Submitted By: Malik Raheel Riaz
Internship Report On Zarai Taraqiati Bank Limited: Submitted By: Malik Raheel Riaz
Internship Report On Zarai Taraqiati Bank Limited: Submitted By: Malik Raheel Riaz
Roll # F-11-24
MBA (Finance)
INTERNSHIP REPORT ON
ZARAI TARAQIATI BANK LIMITED
Submitted by: Malik Raheel Riaz
Roll # F-11-24
Supervised by: Dr. Amjad Rafiq
Approval Committee
1 External Examiner
Mr.______________________ Signature______________________
2 Supervisor
Dr. Amjad Rafiq
Signature______________________
3 Head of department
Mr. Mushtaq Ahmad____________ Signature_____________________
Designation Principal
DEDICATED
To my parents whose unconditional love & support helped me in making this report. To
my teachers for their cooperation and assistance. To my siblings for their gentle
encouragement & valuable support. Also my dear mother for supporting me through out
my tenure of learning as well as praying for my success through out my life and also in
my future. Her prayers today make me so proud also my dear father for supporting me
financially all my life, fulfilling my basic necessaries as well as luxuries of life. I am
thankful to my parents for their support through out my study career. Today what I am,
because of them.
TABLE OF CONTENTS
CHAPTER 1
INTRODUCTION TO THE REPORT
01
01
01
02
02
02
02
03
1.6 Limitations
03
CHAPTER 2
INTRODUCTION TO THE ORGANIZATION
05
05
05
05
2.4 Organization
06
07
08
09
09
10
10
CHAPTER 3
FINANCIAL ANALYSIS
18
3.1 Introduction
18
19
20
21
22
23
23
25
CHAPTER 4
SWOT ANALYSIS OF ZARAI TARAQIATI BANK LIMITED (ZTBL)
37
CHAPTER 5
RECOMMENDATIONS AND CONCLUSION
43
REFERENCES
46
ACKNOWLEDGEMENT
Every praise to Allah Almighty the merciful, who knows about whatever is there in universe, hidden or
evident. Who enables me to get such valuable knowledge, which definitely helped me in my professional
life.
I would like to thank my supervisor Dr.Amjad Rafiq who trust my abilities and gave me opportunity to
use my skill. Thanks to all staff of ZTBL. They gave me their precious time and I learned lot from them.
Thanks to all my friends and family who helped me.
LIST OF ABBREVIATIONS
ZTBL
BBA
BOD
Board of Directors
D.D
Demand Draft
EBIT
EPS
EVP
I.T
Information technology
L/C
letter of credit
M/T
Mail Transfer
MIS
PLS
SBP
SEVP
SVP
SWOT
SS
Specimen signature
VP
Vice president
EXECUTIVE SUMMARY
The Zarai Traqiati Bank Limited (ZTBL) is single largest supplier of institutional agriculture credit in
Pakistan. ZTBL is corporate body enjoying sami- autonomy in the conduct of its operations. The federal
government together with state bank of Pakistan exercise policy control over bank. Both the availability
of financial resources and quantum of lending programs of the bank are subject to their approval.
The funds for lending are provided by State Bank of Pakistan at 2% below bank rate. The foreign loan
obtained from IDA, Swedish International Development Authority, and Asian Development Bank.
Lending is done for uptake of modern technology, tapping of underground water resources, application of
chemical inputs and miscellaneous activities.
My internship goals are to learn about different functions that are performed in branch.
I have learned from internship how to carry out work, handle my responsibilities, and learned how to
interact with others and what kind of organizational behaviors are acceptable and non acceptable. I leaned
time management and work accomplishment effectively and efficiently.
I observed there friendly environment, strong relationship among pears and computerized system which
enabled organization to avoid problems related to manual system.