Executive Summary
Executive Summary
Banking is one of the most sensitive businesses all over the world. Banks play
very important role in the economy of every country all over the world and
Pakistan is no exemption. This report is about one of the leading Agriculture
Bank of the Pakistan known as Zarai Taraqiati Bank Limited. ZTBL is playing
its one of the most important role in the development of the
A g r i c u l t u r e S e c t o r o f t h e P a k i s t a n . O n 1 4 th
December 2002, under the ordinance of the
Agricultural
Development of the Pakistan 1961, ZTBL was incorporated as Public
LimitedC o m p a n y . T h i s B a n k s e v e r s i t s v e n e r a t e d c u s t o m e r s i n t h e f o
r m o f d i f f e r e n t c u s t o m i z e d products. It is providing both type of severs financial
and non-financials mostly to its clients of the rural areas of the Pakistan, which
comprises of 68% of the Pakistans total population. The Bank has country-wide
network in the form of 349 branches and is severing round about half of the million clients
annually and over accumulated account holders with the average loan size of a r o u n d
Rs.89,000 serving 65%, 31%
& 4% of subsistence,
e c o n o m i c a n d l a r g e g r o w e r s r espectively.
Executive Summary
Banking is one of the most sensitive businesses all over the world. Banks play
very important role in the economy of every country all over the world and
Pakistan is no exemption. This report is about one of the leading Agriculture
Bank of the Pakistan known as Zarai Taraqiati Bank Limited. ZTBL is playing
its one of the most important role in the development of the
Agriculture Sector of the Pakistan. On 14
th
D e c e m b e r 2 0 0 2 , u n d e r t h e o r d i n a n c e o f t h e Agricultural
Development of the Pakistan 1961, ZTBL was incorporated as Public
LimitedC o m p a n y . T h i s B a n k s e v e r s i t s v e n e r a t e d c u s t o m e r s i n t h e f o
r m o f d i f f e r e n t c u s t o m i z e d products. It is providing both type of severs financial
and non-financials mostly to its clients of the rural areas of the Pakistan, which
comprises of 68% of the Pakistans total population. The Bank has country-wide
network in the form of 349 branches and is severing round about half of the million clients
annually and over accumulated account holders with the average loan size of a r o u n d
Rs.89, 000 serving 65%, 31% & 4% of subsistence,
e c o n o m i c a n d l a r g e g r o w e r s respectively.
Chapter no 11INTRODUCTION1.1 History of the Bank
Director
Mr. Tauqir Ahmad Faiq
Director
Dr. Khalid Ahmad Khokhar
Director
Mr. Imam Bux Sheikh
Director
Mr.Muazam Ali
Company Secretary
Vision
Statement
Emerge as a Leader in provision of agriculture credit by promoting and sustaining
productivitythrough a market/agribusiness focus. To bridge yield gaps of all agriculture
commodities and toe n s u r e t h a t t h e w e l f a r e o f f a r m i n g p o p u l a t i o n i s
r a d i c a l l y i m p r o v e d a n d t h e e n v i r o n m e n t i s protected from harmful human
interventions.
Mission
Statement
To become a leader in guiding entrepreneurs & farmers impl
e m e n t a n a g r i b u s i n e s s a n d marketing led approach that brings str
o n g c o m m e r c i a l o r i e n t a t i o n i n p r o d u c t i o n c a t e r i n g domestic and intern
ational markets. As a specialized agriculture development bank,
deliver pragmatic technology and optimal solutions to farm communities and rural areas
across all agro-ecological zones with sensitivity to economic growth and equity. Develop
close partnership andlinkages with all its clients to dramatically transform,
restructure and revamp the agriculture scene and enhance its outreach by investing
wisely and judiciously in new approaches, ideas andmeans of mass communication.
Corporate Objectives
The prime objective of ZTBL incorporated under the companies ordinance
1984 is to provideSrural and agriculture sector and mitigates poverty. The
credit facilities in rural areas shall be provided in cash or kind at a market based a
mark-up rate that ensures operational and financialsustainability of the bank.The ZTBL is to
Develop and operate as a financially and operationally sustainable R.F.I of thecountry. To
assist rural community, particularly the small farmers, in raising their productivitya n d
income levels through timely delivery of credit, advisory and
ancillary services.
Bui ldZTBL's i mage as a pr oa ct iv e, cl ie nt fri en dl y, fin a nc ia lly & op
6
%
4
7
5
,
7
5
6
2
0
0
8
5
8
.
5
2
1
2
.
1
7
7
0
B
. ank
disbursed total of Rs.77.680 billion in 2009 as against Rs.39.356 billion disbursed duringthe
years 2005, with borrower network of 567,415 and 441,536 respectively. The
cumulativeg r o w t h d u r i n g t h e p e r i o d u n d e r r e m a i n e d 9 7 % i n t e r
m s o f a m o u n t a n d 2 9 % i n t e r m s o f borrowers
Pay Roll Unit
Payroll unit of ZTBL consists of 700 employees. Its role is to manage
Advances given to theemployee, allowances, benefits and tax deduction over
the salaries of the employees etc. there are five types of the advances as mentioned
bellow:House building allowancesComputer allowancesPersonal loansCar loanMotor
cycleThere is 4% markup charged over the employees on the house building
allowances while nomarkup is charged over the personal loans, which is in the benefit of
the employees. Non clericalstaff is given 18% allowance, while clerical staff is given 15%
allowance on the basic pay.A l l o w a n c e s a n d b e n e f i t s a r e g i v e n o n t h e b a s i s
o f t h e s c a l e s o f t h e e m p l o y e e s . T h e r e a r e different scales of the employees as
mentioned bellow:1 to 3 Scale for non clerical employees4 to 7 scale for clerical employees7
onwards for officersThe amount of allowances and advances are transferred
through a transfer voucher. Different t y p e s o f t h e v o u c h e r s a r e u s e d i n
Z T B L s u c h a s d e b i t v o u c h e r , c r e d i t v o u c h e r a n d t r a n s f e r voucher. The
credit and debit voucher are in the branches of the ZTBL, while transfer voucher isused in
the ZTBL Head Office.Day 2: 20-7-2010, Munir hussain OG 2ZTBL consists of staff
training school, which facilitates the refresher courses in training programto the existing
employees of the ZTBL. Training school preplan the training schedule for
theupcoming year, which is approved by the higher authorities and send letter to different
trainingzonal offices for training purpose.Employees coming form the different branches are
entertained through lecture on banking
sector a n d a r e g i v e n t e c h n i q u e s t o i m p r o v e s k i l l s r e q u i r e d i n t h i s c u r
r e n t w o r l d o f c o m p e t i t i v e environment. ZTBL hire the trainer of the program both
internally as well as internally
Lecture Fee
These trainers charge the lecture fee, which is disbursed by the HO Account
Department. Theentry is passed in the GL Head (General Leger Head) as debit
the speaker fee and credit the ZTBL. Above transaction is done, while using the excel
format as mentioned bellow:S. No. PP No. Account No Speaker AmountAmount of
the lecture is given to the speakers with respect to the grade vice. Minimum amountis Rs400
for grade 16 to 18, and maximum amount is Rs600 for 19 grade officer.It is required for
the external speaker to open account into the ZTBL for error free
transaction.This transaction usually takes two days to take place.
Leave In Cashment
When leave of the employee is not approved by the bank then that leave is
changed into cash.The criteria for this mentioned by the SBP, which stats that it is only
possible when there is 180days balance of the employee, below this it would not
work. This transaction takes place as followEmployee CreditBank credit
Education Stipend/ Allowance
Education stipend is special relief for all staff including non clerical, clericals and officers,
wherea s e d u c a t i o n a l l o w a n c e i s o n l y o p p o r t u n i t y a v a i l a b l e t o n o n
clerical and clerical staff. Theemployees apply through the
application forms, while submitting that to the Staff
W e l f a r e Department Three children are allowed for the stipend allowance and 300 are
added in the salaryof the employee. For the education stipend minimum 65%
marks criteria is set by the bank.Students of the 6
th
to 8
th
are given Rs224 per month, 9
th
and 10
th
are given Rs376 per month
where as students of the XI and XII are given Rs388 per month and bachelors to master are
givenRs400 per month. Top 10 students in their studies are awarded Rs1200 per child.
President Club Charge
President club charges are Rs1300 per month.
Payment of Special Duty Allowance
It is the criteria of the bank that if the employee will perform special duty after the bank
timingsthen he will be given special duty allowance. Employees who perform special duty
from 5 PM to8 PM or 10 PM then they are given Rs200 per day.
Arrear of Salaries
Arrears are the result of increment, promotion of the employees or other differences of the
actualsalary and paid salary. These arrears are handled by the payroll unitDay 3Sher
allumgeer AVP IBR UNIT
IBR Unit
HO Account Department consists of IBR unit, in which reconciliation of the
transaction takes place. These transactions are of two types, one is transaction in between
branches and other is
in b e t w e e n a n d h e a d o f f i c e . C e n t r a l A c c o u n t i n g s y s t e m H e a d O f f i c e
I s l a m a b a d i s u s e d f o r reconciliation purpose. It consists of central
accounting file/ entry quarry. Again it consists of t w o f i l e s , o n e i s
originating file and other is respondent file. From originate file
f u n d s a r e transferred, while from respondent file funds are received. In these accounts
transfer voucher isused as base.When errors occurred in the transaction then the balances
does not tally. Errors in these accountsmostly occur due to wrong code of branch or mixing
of both debit and credit accounts or
througho t h e r w r o n g e n t r y . T o s o l v e t h i s p r o b l e m o f e r r o r s r e c
onciliation method is used. Inter
reconciliation unit in HO Account Department collects whole data from country wide
branchesand if there is problem of reconciliation, IBR Unit inform the branches
to reconciliation thetransaction. If there is error in the data collected in IBR
Unit then software shows the status of 99. After reconciliation when balances
tally then the software show the status of 00. The
heado f f i c e s e n d s a d v i c e s t o b r a n c h e s t h r o u g h m a i l a n d l i s t f o r m . A c
c o r d i n g t o t h e p r u d e n t i a l regulations issued by the State Bank of Pakistan
reconciliation should take place with in 30 days, but for certain times it takes place after
due date.
Employees Funds Unit
HO Accounts Department of ZTBL consists of Employee fund unit.
Major responsibilities
of t h i s u n i t c o n s i s t s o f a c t i v i t i e s r e l a t e d t o t h e m a n a g i n g f u n d s , i n v
e s t m e n t o f s u r p l u s f u n d s , payments of retirement benefits of gratuity,
pension, GPF, GTI, BF grants etc. to out going employees. It is also the
responsibility of this unit to prepare the accounts of the funds annuallyand these are later
audited by external auditors. Further more it records the contribution towardsemployees
funds and maintains individual accounts in visionary funds where ever applicable.
Itmaintains the book of accounts of trust funds and invests the surplus funds and
manages the
auditw i t h t h e h e l p o f C h a r t e r e d A c c o u n t a n t s F i r m s . I t f a c i l i t a
t e s t h e p a y m e n t i f b e n e f i t s o f Benvolevent Funds, Pensions,
Provident, Gratuity and Group Term Insurance (GIT). It alsofacilitates the
payments of various benefits just as death compensation/donation to
deceasedemployees family and marriage grant to clerical staff etc. It manages outstanding
staff advanceso f e m p l o y e e s w h o d i e d u r i n g b a n k s e r v i c e s . I t r e c o v e r s
f u n d s p r o v i d e n t f u n d s a d v a n c e s . I t facilitates the arrangement of actuarial
valuation study as required under International accountingstandarad-19This unit consists of
trustees, who manage these funds through operational staff of this unit. Theregulations,
standards and instructions of the banks are kept at first priority while managing thesefunds.
According to the regulations of the bank, Head of the Accounts and in charge of
employeefunds are chief trustee and trustee according to their functional
position. To select the chief trustee, according to the Banks fund regulation two third
rules is applied.This unit manages different types of the funds for different purposes as
shown in figure in
theS
r
.
N
o
.
N
a
m
e
o
f
F
u
n
d
P
u
r
p
o
s
e
1 Z T B L
E m p l o y e e
B e n e f i t
F u n d T o
w r i t e - o f f / a d j u s t
h o u s e
b u i l d i n g
a n d conveyance advances of all officer/staff whodie during Bank service
and payment of
deathcompensation.2
Z
T
B
L
B
e
n
e
v
o
l
e
n
t
F
u
n
d
(Officers)Payment of
BF grant as admissible under rules3 Z T B L B e n e v o l e n t F u n d
( S t a f f ) P a y m e n t o f B F g r a n t a s
a d m i s s i b l e u n d e r r u l e s ; Funeral charges & Marriage
Grant4
Z
T
B
L
P
e
n
s
i
o
n
F
u
n
d
P
a
y
m
e
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i
o
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a
s
a
d
m
i
s
s
i
b
l
e
t
o
e m p l o y e e s o n s u p e r a n n u a t i o n o r v o l u n t a r i l y exit from service after
completion of 25 year of service.5
Z
T
B
L
G
r
a
t
u
i
t
y
F
u
n
d
(
u
n
d
e
r
SSR-1961)Gratuity is paid to employees having
less then10 year of service. After 10 years of service thegratuity is transferred to pension
fund.6
Z
T
B
L
G
r
a
t
u
i
t
y
F
u
n
d
(
u
n
d
e
r
SR2005)P a y m e n t o f g r a t u i t y a s s e v e r a n c e b e n e f i t t o employees regulated under
SR-20057
Z
T
B
L
E
m
p
l
o
y
e
e
s
P
r
o
v
i
d
e
n
t
FundP a y m e n t o f a c c o u n t b a l a n c e s d
u r i n g s e r v i c e or/and accumulated Provident Fund to member at exit from
service.8 Z T B L
G e n e r a l
P r o v i d
e n t
F u n d (Officers)P a y m e n t o f a c c o u n t b a l a n c e s d u r i n
g s e r v i c e or/and accumulated Provident Fund to member at exit from
service.9 Z T B L
G e n e r a l
P r o v i d
e n t
F u n d (Staff)P a y m e n t o f a c c o u n t b a l a n c e s d u r i n g s
e r v i c e or/and accumulated Provident Fund to member at exit from
service.1 0 Z T B L
C o n t r i b u t o r y
P r o v i d e n t FundP a y m e n t o f a c c o u n t b a l a n c e s d u r i n g s
e r v i c e or/and accumulated Provident Fund to member at exit from service.
Central Accounts Department of ZTBLAims & Objectives
compiles and process necessary information for the preparation of annual reports. It
generally evaluates and review expenditures and submits to theaudit committee. Its
further role is to provide information and analysis for the purpose of the annual
planning and effective efficient decision making.
Budget Analysis Unit
It generally analyzes and monitors financial activities of departmen
t s w h i c h s h o w t h e i r performance. On the basis its analyzed results
performs the highly effective steps. It develops assumptions and strategies for future
budget cycle
Treasury Unit
Treasury Unit is engaged in the arrangement of the fund for the
d i f f e r e n t p u r p o s e s t o t h e branches and maintains their records. It manages
Banks accounts with SBP and commercial banks such as MCB, HBL, and UBL
and so on. It checks out the appropriate balances in the branches if there are
excess balances then its calls for and if there is less balances then it transfer the funds and
also declare the deposit rates for the depositors. It performs the role of coordinator while
performing the role of coordination with SBP, commercial, Internal and External auditorson
the matters of treasury. It deals the matters of investment of surplus funds
provided by the branches.
Funds Reconciliation Unit
It mainly plays the role of reconciliation of Bank accounts with other commercial banks at
HeadOffice, due maintenance of check and balance of funds received or remitted from other
branches.Advices issued by branches are responded by Funds Reconciliation Department. It
also monitorsthe reconciliation of bank accounts with other commercial banks.
Regulatory Reporting Deportment
The regulator gives instructions What to do, when to do and hoe to do
as Government agenciesand SBP etc, while reporting means perpetrations of the reports
and submission of the reports tothe regulators. Thats why this department reports
certain information to the regulators and ensures it that bank has compiled
all instructions.
Aims and objectives
It aims to fulfill the statuary reporting requirements and provides financial
reporting to themanagement for the specific purposes. Its objective is to provide and
ensure the effectiveness inmeeting statutory reporting obligations. It makes
prompt and accurate analysis to aid effective decision making. In last it ensures the
implementation of the Basal-II.
Functions
It reformulates and redesigns system of data capturing, its consolid
a t i o n a n d s u b s e q u e n t reporting keeping in mind regulatory requirements. It
ensures the implementation of updated reporting requirements, which are update time
by time. It analysis the financial results and repotsit to concerned authority and
arrange compliance with external and internal auditors. Further more it performs
the job suggested by the regulatory authority.
Reporting process
There are mainly five steps in reporting process, which are defined bellow:
Data Capturing
This is the step in which data is gathered from various sources such as field offices,
deportmentssuch as CAD and ISD and from financial reports such as Accounts, D/R Series
etc.
Consolidation
In this step the gathered data is consolidated in to single hole, because this data is collected
fromvarious sources.
Data verification
In this step collected data is verified weather the collected data is valid and true or not,
becausethe collected data is not all ways reliable. It needs very careful examination due
to possible errorsand mistakes, which are later rectified for report generation purpose.
Report generation
On the basis of analyzed and verified data is injected in the form of reports which is
provided bySBP.
Submission
In this last step the complete formed reports are submitted to the regulatory
authorities such asSBP. The main sources of submission are courier and online.
Personal
ExperiencePersonal Experience
My internship was started on 6
th
of July at Operation Division of the ZTBL Islamabad. Firstly wemet with Sir Mahmood
Karim Qureshi Sahib, he is the Senior Vice President of BD &
MDd e p a r t m e n t . W e w e r e t h e u n d e r s u p e r v i s i o n o f S V P B D &
M D d e p a r t m e n t . H e w a r m l y welcomed in the ZTBL Head Office and gave us
the Brief introduction of the ZTBL and purposeof the organization. After meeting
with SVP of BD & MD department I moved to the ZTBLIslamabad Branch, to
the operation branch as Schedule given in the internship letter issued byZTBL
Head Office. I spend my first two weeks of Internship at ZTBL Islamabad
Branch atoperational Branch. As I wanted to the get information and
knowledge about work which isgoing on grass root level, where the basic work is
performing.During internship period (8 weeks) in ZTBL (Internal Audit
Department), I learned a lot of knowledge from the experts and highly qualified
Non-clerical
staff
ClericalStaff
Grades of
Bank
SEVPEVPSVPVPAVPGrade-1Grade-2Grade-3
Assistants
It provides the loan at cheaper interest rate as compare to the other Banks.
In Pakistan, majority of the farmers is poor thats why farmers are required to
get loanfrom the bank so ZTBL has a very vast market to operate in.
ZTBL has a staff college for the training of its employees in Islamabad,
through proper training more efficient team of employees can be made which shall be
beneficial in tough banking competition.
One of the core competency of the bank is its MCOs because ZTBL is the only
bank w h i c h h a s a t e a m o f h i g h l y e x p e r i e n c e d a n d p r o p e r l y t r a i n e d
M C O s w h o c a n e a s i l y disburse loan and can achieve recovery target quickly hence
risk of bad debts is reduced.
The farmers have a trust on ZTBL because of its operations and the behavior
of mobilecredit officers.
Audit zone performing its job in a better way to rectify the errors and fraud cases.
Weaknesses
Sometimes the lending is done on political basis. Due to the influence of political leadersthe
recovery system is affected which leads to bad debts.
The bank has no treasury department due to which funds are not being
properly utilizedand the bank is missing a great opportunity to earn profit.
Some cases of nepotism are often seen in the bank when loans are given by the
branchmanagers to their relatives and fake data is maintained.
Most of the employees even seniors managers are computer illiterate. They
can evencheck their emails properly. So IT implementation seems to be failed in the bank
due torigid attitude of employees because they are not adaptable to change.
By utilizing the efficient team of MCOs the bank can have heavy amount of deposits.
The bank can set up its treasury department in Karachi for proper utilization of the fundsand
for maximum profit earning.
The bank can reduce its expenses by laying-off non performing employees.
The bank has a good reputation in the market and its employees are highly
trained for agri business development planning so it can also operate in
Middle East because the Arabs are now focusing on agriculture.
As the economy situation is very bad and the country is facing liquidity
crunch thatswhy ZTBL may have to face difficulty in getting funds.
In order to overcome the liquidity problem the bank has started operating in
commercial banking market but due to inefficient commercial banking practices
ZTBL may have toface a severe situation.
The climate of the earth is rapidly changing due to which heavy rains and floods are
oftenanticipated. This is an alarming situation for ZTBL to operate in the market being an
agrilender.
The bank has a very small profit margin because it gets funds from
S B P a t 6 % a n d provides funds to the farmers at 8% only.
Demand Notice
. I t i s i s s u e d before the due date of every installment. A legal notice
isissued one month after the due date informing the borrower t h a t i f t h e
a m o u n t i s n o t r e p a i d w i t h i n n e x t o n e m o n t h , further legal action will
be taken to recover the dues.
4.3.3Legal Action:
LOANS OF ZTBL
The ZTBL provides loans for the development and growth of rural areas
anduplift of farm activities. The loans of ZTBL are briefly explained as under;
4.2.1 Production Loans:
These loans are given to farmers for seed, fertilizer, pesticides, labor charges
etc. to grow crops and vegetables including working capital for poultry, dairy,
orchard and fishery and are recoverable within one and half year. The amount of
disbursement of production loan, at the end of December 31, is50,222 million for overall
four provinces. The example of production loans items aregiven as
under;1
.
S
e
e
d
s
,
f
e
r
t
i
l
i
z
e
r
s
a
n
d
f
u
e
l
2 . P e s t
i c i d e s ,
i n s e c t i c i d e s
a n d
h e r b
i c i d e s
m a n u a l
s p r a y e r s 3
.
P
o
u
l
t
r
y
f
e
e
d
,
c
h
i
c
k
s
a
n
d
m
e
d
i
c
i
n
e
s
4
.
H
i
r
e
c
h
a
r
g
e
s
o
f
f
a
r
m
p
o
w
e
r
5 . W a t e r
c h a r g e
s
a n d
e l e c t r i c
c h a r g e s
f o
r
t u b e
w e l l 6 . P r o d u c t i o n
l o a n
f o r
g r o w t h
o f
m u
s h r o o m 7
.
H
i
r
e
d
l
a
b
o
r
,
w
a
t
e
r
r
a
t
e
s
&
SCHEMES OF ZTBL
The ZTBL provides various schemes for customers, in order to strengthen therural
and agricultural sector of econnomy, mitigate poverty and accelarte groth.
TheSchemes of the ZTBL is which is briefly explains as under ;
4.1.1 Sairab Pakistan Scheme:
T h e Z T B L c a n r a i s e t h e i r r i g a t e d a r e a f o r t h e purpose to accelerate rate
economic growth and to facilitate the farmers. The ZTBLhas assigned the
collaboration agreement with the KSB Pumps Company Limitedunder the
Sairab Pakistani Scheme. The ZTBL will provide loans to the farmers
for installation of tube wells and turbines whereas KSB Pumps Company
Limited will provide quality pumps, turbines, equipments to borrowers for
efficient pumping of w a t e r s . T h e w a t e r c a n p l a y s v i t a l r o l e t o i m p r o v e
p e r a c r e y i e l d . O u t o f t o t a l 3 1 million hectors area of the Pakistan, 22 million
hectors is cultivated while 9 million
hectors is not cultivated & waste mainly due to non-availability of water. More over increase
in water supply being a key input is required to raise cropping intensity andhence the income
of the farmer. Since inception the ZTBL financed over 143000 tubewells amounting to
Rs.15 billion. The KSB Pumps Company will provide qualitymachinery and
equipment for efficient pumping of water. The company shall also provide
after sale service including replacement of parts and availability of
sparesthrough its network of dealers despite technological advancements and rapid
growthof industrial sector, agriculture is still the back bone of the Pakistan's
economy. Itcontributes 22% towards the GDP and employs nearly 45% of country's labor
force.It provides raw material for preparation of industrial products. So it has both
pulled & pushes effect on the economy.
4.1.2Supervised Agriculture Credit Scheme:
U n d e r t h i s s c h e m e a g r i c u l t u r e loans are given for short, medium and long term
loans up to Rs.1 million
per b o r r o w e r . T h e l o a n s a r e s a n c t i o n e d f o r f a t s , l i v e s t o c k , o r c h a r d ,
t r a c t o r , agricultural machinery, tube well and irrigation facilities. Under the
scheme besides provision of credit, information is to the farmers for planning
CONSLUSION:
During my internship here in ZTBL, I found that ZTBL has high level of
professionalism and challenging environment and its culture is friendly. ZTBL seems Top
Agriculture Financing inthe future as indicated by the financial indicators. It
keeps energy and potential to serve the deserving clients in all over the world. The
bank has set itself a vision to be a world-class bank.T h i s c a n o n l y b e a c h i e v e d
with dedication and a passion to excel in every activity. I
r e a l l y admire ZTBLs policy makers for designing investor friendly and
customer oriented products.The bank is really working well and contributing a
valuable part in the economy of Pakistanthrough tax, giving loan to
government, giving loans to the businesses for their survival and expansion,
generating a well skilled human resource and employment etc. During this internship,I really
learned Professionalism, leadership skills, communication skills, problem solving
skills,situation analysis skills and how to become a good mentor etc