ZTBL 1 ZARAI TARAQIATI BANK LIMITED

ZTBL 2 ZTBL PRIME OBJECT To provide sustainable rural finance and services particularly to small farmers and low income houses. To provide sustainable rural finance and services particularly to small farmers and low income houses.

ZTBL 3 BALOCHISTAN SINDH NWFP AJ&K PUNJAB FANA ZTBL FIELD SETUP PROVINCEZON.BR.PUNJAB12158 SINDH 687 NWFP450 BALOCHISTAN 334 FANA-05 AJ&K-07 HEAD OFFICE -01 TOTAL25342

ZTBL 4 ZTBL AT A GLANCE ZTBL, THE SUCCESSOR OF ADBP WAS INCORPORATED AS A PUBLIC LIMITED COMPANY IN OCTOBER, 2002 NUMBER OF BRANCHES 342 NUMBER OF ZONES 25 TOTAL EMPLOYEES (excl. service providers) 5,326 EQUITY Rs.13.6 Billions DEPOSITS Rs. 2.9 Billions SBP DEBTS RS Billions OUTSTANDING LOAN PORTFOLIO(Net) Rs. 62 Billions NUMBER OF BORROWERS 790,790 MARK-UP RATE: 9% WITH 1% REBATE ON TIMELY REPAYMENT (As on ) Cont…..P/2

ZTBL 5 ZTBL AT A GLANCE OVERALL LOAN DISBURSEMENT * RS. 440 Billion TRACTORS FINANCED:- NUMBER NUMBER482,000 AMOUNT AMOUNT RS. 82 BILLIONS TUBEWELLS FINANCED NUMBER NUMBER143,000 AMOUNT AMOUNT RS.15 BILLIONS RS.15 BILLIONS LOANS FOR SMALL DAIRY FARMS Rs.23 Billion NUMBER NUMBER516,000 *SINCE INCEPTION UPTO APR. 2007

ZTBL 6 OVERALL LOAN DISBURSEMENT DURING LAST 5 YEARS (RUPEES-BILLION)

ZTBL 7 OVERALL RECOVERY DURING LAST 5 YEARS (RUPEES-BILLION)

ZTBL 8 LOAN DISBURSEMENT DURING AS COMPARED TO (RUPEES-BILLION)

ZTBL 9 RECOVERY DURING AS COMPARED TO (RUPEES-BILLION)

ZTBL 10 WHITE REVOLUTION SCHEME ZARAI TARAQIATI BANK LIMITED

ZTBL 11 LOAN DISBURSEMENT FOR SMALL DAIRY FARMS PERIODNUMBERAMOUNT DURING LAST 5 YEARS 199,50110 SINCE INCEPTION 516,00023 (RUPEES-BILLION)

ZTBL 12 SUMMARY OF BIG DAIRY PROJECTS FINANCED BY THE BANK DESCRIPTION NO. OF PROJECTS LOAN AMOUNT UHT MILK PLANTS13697 DAIRY FARMS49176 (RUPEES-MILLION)

ZTBL 13 WHITE REVOLUTION SCHEME FEATURES Coverage Throughout the country & AJ & K. Eligible Farmers Landless & Small Farmers. Permissible Purposes Working Capital for Fodder, Feed & equipments etc. and Purchase of Animals. Animals Financing Landless = 2 Animals Farmers owning upto 12.5 Acr. = 5 Animals Farmers owning above 12.5 Acr. = 10 Animals Maximum Ceiling Buffalo/cow (local) Rs.30, ,000/Head Cow (imported) Rs. 110, ,000/Head Equity contribution Varies 15%, 25% & 30% according to loan amount. Recovery Period 5 years in monthly installments with grace period of 4 months. period of 4 months. Target Financing Rs. 33 Billions During

ZTBL 14 WHITE REVOLUTION SCHEME WITH COLLABORATION OF PDDC FEATURES  Strategic Partnership between ZTBL & PDDC to extend collaborated efforts to modernize the dairy farming for increasing milk supply. Pakistan Dairy Development Company (PDDC) shall recommend good dairy farmers to ZTBL for provision of finances for the purpose. Pakistan Dairy Development Company (PDDC) shall recommend good dairy farmers to ZTBL for provision of finances for the purpose.  Provision of assured quality dairy equipments i.e. milk chilling tanks, geezers, fodder machines/mixtures, water pumps/diesel engines etc. & installation thereof to facilitate the dairy farmers/ bank’s clients.  Competitive market rates of machinery/equipment.  Repayment of mark-up as well as 50% of principal amount by PDDC provided half of the total installments is repaid by the borrower timely.  100% utilization of loan amount.

ZTBL 15 WHITE REVOLUTION SCHEME LOANS FOR MODERNIZATION OF DAIRY FARMS TERMS & CONDITIONS UNDER PDDC PROGRAMME Coverage: Initially in potential areas but to be expanded in whole of the country. Eligible Farmers: Existing good dairy farmers duly selected/recommended by PDDC. Delivery Channel: PDDC/ZTBL Branch Supplier. Documents Required: CNIC Photocopy, LA Form, Agri. Pass Book & 2 Photographs. Loan Limits for Dairy Farms having Animals:  1-20    Above 100 For Modernization Of Farm: = Rs.89,237/- = Rs.89,237/- = Rs.155,370/- = Rs.155,370/- = Rs.246,448/- = Rs.246,448/- = Rs.636,866/- = Rs.636,866/-

ZTBL 16 WHITE REVOLUTION SCHEME LOANS FOR MODERNIZATION OF DAIRY FARMS TERMS & CONDITIONS UNDER PDDC PROGRAMME Type of Security Agri Land/other Tangible Security. Agri Land/other Tangible Security. Mandatory Deposit Account 15% of the loan amount during entire currency period 15% of the loan amount during entire currency period Cost of Credit:  Appraisal Fee  Mark-up  Insurance Premium 1% of loan amount 1% of loan amount 9% with 1% rebate for timely repayment. 9% with 1% rebate for timely repayment. As per Prescribed rate for 5 years. As per Prescribed rate for 5 years. Recovery Period 5 years in monthly installments with grace period of 4 months. period of 4 months. Modernization Target of Dairy Farms Numbers = 5,000/- Amount = Rs. 700 Million

ZTBL 17 WHITE REVOLUTION SCHEME FINANCING PLAN YEARS WORKING CAPITAL PURCHASE OF MILCH ANIMALS MODERNIZATION OF FARMS TOTAL Total (RUPEES-BILLION )

ZTBL 18 SAIRAB PAKISTAN SCHEME ZARAI TARAQIATI BANK LIMITED

ZTBL 19 SAIRAB PAKISTAN SCHEME FEATURES  Collaborated efforts by ZTBL & KSB To un-tap underground water to overcome the deficiency of irrigation water.  Assured quality products & installation of tubewells / turbines to facilitate the bank’s clients.  Competitive market rates of machinery/equipment with one year warranty & after sales services.  Credit provision as well as completion of project on priority.  100% utilization of loan amount.

ZTBL 20 SAIRAB PAKISTAN SCHEME LOANS FOR IRRIGATION PURPOSES TERMS & CONDITIONS Coverage: Throughout Pakistan/AJK. Eligible Farmers: Having land holding atleast 3 Acrs. or above. Delivery Channel: MCO/Branch/One Window Operation / Supplier. Documents Required: CNIC Photocopy, LA Form, Agri. Pass Book & 2 Photograph. Loan Limits:  Shallow T/wells  Deep T/well/Turbine  Lift Pumps = Rs.72, ,000/- = Rs.375,000 – 750,000/- = Rs.18, ,700/-

ZTBL 21 SAIRAB PAKISTAN SCHEME LOANS FOR IRRIGATION PURPOSES TERMS & CONDITIONS Type of Security = Agri Land / other Tangible Security. Equity Contribution = 25% Cost of Credit:  LA Form  Postal Charges  Appraisal Fee  Mark-up = Rs.20/- = Rs.50/- p.a. = 1% = 9% pa with 1% rebate on timely repayment. Recovery Period = 5 years in half yearly installments.

ZTBL 22 LOAN DISBURSEMENT FOR INSTALATION OF TUBEWELLS PERIODNUMBERAMOUNT DURING LAST 5 YEARS 21,2754 SINCE INCEPTION 1,43,00015 (RUPEES-BILLION)

ZTBL 23 PROJECTED TUBEWELL / TURBINE INSTALLATIONS DURING NEXT 5 YEARS YEARSNUMBERAMOUNT 20074, , ,0001, ,0001, ,0001,700 Total30,0006,000 (RUPEES-MILLIONS )

ZTBL 24