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Internship Report On ZTBL Title Pages
Internship Report On ZTBL Title Pages
Supervised By
Mr. Muhammad Kaleem
Lecturer IMS Dept.
Submitted By
Wasim Uddin
BBA (Hons) 8th term
INTERNSHIP REPORT
ZARAI TARAQIATI BANK LIMITED
HEAD OFFICE ISLAMABAD
(Al-Quran)
It is certify that this internship report on
“Finance & Accounts Division of ZTBL Head Office
Islamabad” is approved & recommended as partial
fulfillment for the Degree of Bachelor of Business
Administration (Hons), from the Institute of
Management Sciences, Kohat University of Science &
Technology.
_____________
_____________
Sir Muhammad Kaleem
Lecturar IMS Dept. KUST
_____________
Sir Safi Ullah
Lecturar IMS Dept. KUST
I dedicated this endeavor to my kind mother & all
my respectable teachers whose guidelines, suggestions
& encouragements are great source of strength that helps
me & their prolonged banishment provide me an incentive
& opportunity to complete this report on the “Finance &
Accounts Division of the ZTBL”, successfully.
WASIM UDDIN
I always wanted to work in an organization where there is exclusive
environment, healthy competition and ample prospect of professional
growth, for this reason the best option that came in my mind was “Zarai
Taraqiati Bank Limited”, for accomplishment of my internship. During my
internship, I was exposed to different types of work environments which
really enhanced my knowledge and broadened my experience to
maximum. I worked in four departments of the Finance Accounts Division
such as the Central Accounts Department, the Head Office Accounts
Department, the Regulatory and Reporting Department and the Budget
and Fund Reconciliation Department. I am really grateful to the
management of this bank for providing challenging and dynamic
opportunities. The employees of the ZTBL are very talented & educated &
the way to give the training to the internees is very frankly & cooperatively
that leads to complete my internship report successfully.
First of all, I offer my deep gratitude to Almighty Allah, most merciful
and gracious, who blessed us knowledge and inspiration to accomplish
the internship report on “Finance & Accounts Division of the Zarai
Taraqiati Bank Limited”, successfully.
1. Preface.................................................................................... i
2. Acknowledgement................................................................... ii
3. Table of Contents..................................................................... iii
SECTION -I
Chapter-1 INTRODUCTION TO REPORT
3.0 Introduction............................................................................... 16
3.1 History of ZTBL......................................................................... 17
3.2 Corporate Vision....................................................................... 17
3.3 Corporate Mission..................................................................... 17
3.4 Corporate Objective.................................................................. 18
3.5 Restructuring Plans................................................................... 18
3.6 Board of Directors..................................................................... 19
3.7 Committees & Organizational Structure of the ZTBL................ 20
3.7.1 Board Committees...................................................... 20
3.7.2 Management Committees........................................... 20
3.7.3 Organizational Structure of ZTBL............................... 21
3.8 Zonal Offices & Branches......................................................... 21
3.9 Ranking of Staff Members........................................................ 22
3.10 Subsidiary................................................................................. 23
4.0 Introduction................................................................................ 24
4.1 Schemes of ZTBL...................................................................... 24
4.1.1 Sairab Pakistan Scheme............................................. 25
4.1.2 Supervised Agriculture Credit Scheme........................ 25
4.1.3 White Revolution Scheme........................................... 25
4.1.4 Micro Credit Scheme................................................... 26
4.1.5 Zarkhaiz Scheme (One Window Operation) ............... 26
4.1.6 Sada Bahar Scheme................................................... 27
4.1.7 Tea Financing Scheme................................................ 27
4.2 Loans of ZTBL........................................................................... 28
4.2.1 Production Loan.......................................................... 28
4.2.2 Development Loan...................................................... 28
4.3 Recovery Procedure of Loan..................................................... 29
4.3.1 Recovery Schedule.................................................... 29
4.3.2 Issuance of Notice...................................................... 30
4.3.3 Legal Action................................................................ 30
5.0 Introduction..................................................................................... 31
5.1 Functions of Finance & Accounts Division...................................... 32
5.3 Classification of Finance & Accounts Division................................ 33
5.4 Hierarchy of Finance & Accounts Division...................................... 34
6.0 Introduction...................................................................................... 35
6.1 Objectives of Central Accounts Department.................................... 35
6.2 Functions of Central Accounts Department..................................... 35
6.3 Units of Central Accounts Department............................................ 36
6.3.1 Policy Unit...................................................................... 36
6.3.2 Accounts Unit................................................................. 37
6.3.3 Tax Unit........................................................................... 38
6.3.4 Fixed Asset Unit............................................................. 38
6.3.5 Pre-payment Verification Unit........................................ 39
7.0 Introduction.................................................................................... 40
7.1 Units of Head Office Accounts Department................................... 41
7.1.1 Payroll Unit................................................................... 40
7.1.2 Fund Unit...................................................................... 40
7.1.3 Payment Unit................................................................ 41
7.1.4 Inter Branch Transaction Unit (IBTU)........................... 41
7.1.4.1 Objectives of the IBTU............................... 43
7.1.4.2 Unit Structure of the IBTU.......................... 43
7.1.4.3 Responsibilities of Unit Incharge................ 43
7.1.4.4 Steps in Information Processing................. 44
7.1.4.5 Diagrammatic Representation of
Information Processing of IBTU................. 45
8.0 Introduction....................................................................................... 46
8.1 Objectives of Regulatory Reporting Department............................... 46
8.2 Functions of Regulatory Reporting Department................................ 46
8.3 Units of Regulatory Reporting Department....................................... 47
8.3.1 Regulatory & Internal Reporting Unit............................... 47
8.3.2 Financial Management Information
System Unit...................................................................... 48
8.3.2.1 Role of Financial Management
Information System Unit.................................... 48
9.0 Introduction........................................................................................ 49
9.1 Objectives of Budget & Fund Reconciliation Unit.............................. 50
9.2 Functions of Budget & Fund Reconciliation Unit............................... 50
9.3 Units of Budget & Fund Reconciliation Unit...................................... 51
9.3.1 Budget Planning Unit........................................................ 51
9.3.1.1 The Budget Development Cycle (BDC)............ 52
9.3.2 Budget Analysis Unit......................................................... 53
9.3.3 Treasury Unit...................................................................... 53
9.3.4 Fund Reconciliation Unit.................................................... 54
SECTION -III
Chapter-10 VARIOUS ANALYSIS
10.0 Introduction....................................................................................... 55
10.1 SWOT Analysis................................................................................. 55
10.1.1 Strengths.......................................................................... 56
10.1.2 Weakness........................................................................ 57
10.1.3 Opportunities.................................................................... 58
10.1.4 Threats............................................................................. 59
SECTION -IV
Chapter-11 FINDINGS & RECOMMENDATIONS
14.1 Findings........................................................................................... 69
14.2 Recommendations........................................................................... 70
14.3 Personal Experience........................................................................ 71
14.4 Conclusion....................................................................................... 72
14.5 Annexures........................................................................................ 73
Bibliography
ABL Allied Bank Limited
10. Calculation of total debt to net worth ratio from 2005 to 2007 62