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Zarai Taraqiati Bank Ltd.

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Annual Report 2007

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ZTBL Annual Report 2007

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Contents

INTRODUCTION

DIRECTORS' REVIEW

8

	Gereral Information	15
	Highlights of ZTBL Operations	15
	Board of Directors	18
	Statement of Compliances with the Code of Corporate Governance for the year ended December 31, 2007	21

REVIEW OF OPERATIONS

1. Overall Credit Disbursement

1.1	Purpose-wise Disbursement of loans		24
1.2	Province-wise Disbursement of loans		25
1.3	Term-wise Disbursement of loans		25
1.4	Loan to Subsistence and Small Farmers		26
1.5	Holding-wise Disbursement of loans		26
1.6	Size-wise Composition of loans		26
1.7	Security-wise Disbursement of loans		26
1.8	Zarkhaiz Scheme(One Window Operation)		27
1.9	Sada Bahar Scheme(Revolving Finance Scheme)		27
1.10	Crop Maximization Project		27
1.11	Revisions/Improvement in Credit Policy & Procedures		28
1.12	Farm Mechanization and Technology Dissemination		29

2. Innovative Schemes
	2.1	White Revolution		29
	2.2	Sairab Pakistan Scheme		29
	2.3	Red Meat Financing Scheme		29
	2.4	Tea Financing Scheme		30

3. Recovery Operations		30
4. Deposit Mobilization		30
5. New Initiatives		30
6. Internal Audit		30
7. Compliance Programme		31
8.Human Resource Development		31
9. Information Technology		31
10.Kissan Support Services Limited		32
FINANCIAL STATEMENTS		33

CONSOLIDATED FINANCIAL STATEMENTS		79

STATISTICAL ANNEX		125