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Annual Report 2008

Agri Business Field Report

ZTBL Subsidary

Kissan Support Services (Pvt.) Ltd.

Contents

DIRECTOR'S REVIEW

8

	Corporate Information
	Highlights of ZTBL Operations
	Board of Directors
	Statement of Compliances with the Code of Corporate Governance for the year ended December 31, 2008

REVIEW OF OPERATIONS

17

1	Overall Credit Disbursement		19
1.1	Purpose-wise Disbursement of loans		19
1.2	Province-wise Disbursement of loans		20
1.3	Term-wise Disbursement of loans		20
1.4	Loan to Subsistence and Small Farmers		21
1.5	Holding-wise Disbursement of loans		21
1.6	Size-wise Composition of loans		22
1.7	Security-wise Disbursement of loans		22
1.8	Zarkhaiz Scheme(One Window Operation)		22
1.9	Sada Bahar Scheme(Revolving Finance Scheme)		22
1.10	Crop Maximization Project		23
1.11	Revisions/Improvement in Credit Policy & Procedures		23
1.12	Farm Mechanization and Technology Dissemination		24

2. NEW SCHEMES
	2.1	Insurance of dairy animals through Nestle under White Revolution Scheme		24
	2.2	Green Revolution Scheme		24

Recovery Operations		26
Business Development/ Deposit Mobilization		26
Internal Audit		26
Compliance Programme		27
Human Resource Development		27
Information System Technology		28
Kissan Support Services Limited		28
FINANCIAL STATEMENTS		31

CONSOLIDATED FINANCIAL STATEMENTS		100

STATISTICAL ANNEX		161