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In several districts it functioned as a commercial rather than a Cooperative Bank. Large percentage of its deposits were commercial deposits 70% of its paid up share capital was owned by individuals and 80% of the loans were advanced in 1951 to private firms and individuals.

The Cooperative Registrar as well as the Managers of the Banks recognized that cooperative funds were diverted from agricultural in to industry and trade, and starving the rural areas of their share. The Department as well as the Provincial Government agreed on the diversion of funds towards the agricultural; subjection on the Frontier Provincial Cooperative Bank to the supervision, inspection and control of the State Bank the same way as were Scheduled Banks, were measures considered essential for its rehabilitation.

In the light of these considerations:

An experience officer was to be deputed to survey the movement in the province and to submit a report on its progress,

The state bank was to take over the recruitment of the officers of the bank, including suitable refresher courses for others already in employment,

A plan of operation was to be drawn up for making advances to agriculturalist on a pattern familiar to the people of the province through the branches of Frontier Bank, and

Finally, necessary finance was to be made available, on long term bases at reasonable rates of interest, for granting loans to the agriculturist.

Frontier Provincial Cooperative Bank was to function under the general guidance and supervision of central agency as an alternative to organizing new bank and duplicating the number of credit agencies serving the rural people.

The provincial schemes for the organization of agricultural banks briefly outlined above required to be worked out in full detail after investigations of selected areas.

Frontier Provincial Cooperative Bank limited comprises one-third percentages of share holders of NWFP Government, the Federal Government through the Federal Bank for Mutual Cooperation and 7600 corporative societies.

From the very beginning this bank, besides giving small farmers/petty land holders' fertilizers, seeds and pesticides also provided them agricultural supplements as aid through their registered societies for mutual help. For such help, the bank realized profit on very subsidized rates fixed by the state bank of Pakistan, from these societies.

The bank met its expenditure such as the pay of its employees and other administrative expenses from these realized profits and was not in any way, a burden/liability on the treasury of the Govt. of NWFP. In fact, every year this bank paid lacks of Rupee to the Government of NWFP under the head of Income and Property Tax.

Frontier Provincial Cooperative Bank Limited was a well functioning financial institute of NWFP, whose administration comprised of an experienced banker who had been trained by State Bank of Pakistan本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。