Corporate Vision

Dedicated to serve the needs of the farming community, by delivering financial

products and technical services on a competitive and sustainable basis, in a
convenient , efficient and professional manner, leading to success of the Bank
and the farmers.
Back to Top 

Corporate Mission

To play effective role in the promotion of economic growth, by enhancing the

availability of credit to the agriculture sector, through reliable access to
sustainable financing, special lending programs, technical assistance, and other
products & services, and to promote career development opportunities for
increasing professionalism and technical proficiencies of employees.
Back to Top 

Brief on ZTBL

Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of

Pakistan (ADBP) is the premier financial institution geared towards the
development of agriculture sector through provision of financial services and
technical know how. The restructuring of former ADBP is being carried out with
the aim to uplift the agriculture and rural sector by raising farm productivity,
streamlining the institutional credit and increasing income generating capacity of
the farming community. ZTBL was incorporated as a Public Limited Company on
14th December, 2002 through repeal of ADB Ordinance of 1961.

The new corporate structure redefines the bank's status as a public limited
company registered under companies Ordinance'1984 with an independent Board
of Directors which aims at ensuring good governance, autonomy, delivering high
quality

ZTBL is a key R.F.I of Pakistan providing affordable, rural and agriculture

financial/non-financial services to the rural Pakistan , comprising 68 % of the total
population. The Bank through a country-wide network of 341 branches is serving
around half a million clients annually and over one million accumulated account
holders with the average loan size of around Rs.89,000 serving 65%, 31% & 4 %
of subsistence, economic and large growers respectively. 

The total assets of the Bank stand at Rs.84 billion with authorized capital of Rs.25
billion as of 31.12.2005, with a nation-wide working strength comprises 5500
employees. The share of ZTBL in total national institutional agricultural credit
remains around 35%. 

ZTBL was incorporated as a Public Limited Company on 14th December, 2002

through repeal of formal Agricultural Development Bank of Pakistan Ordinance of
1961. Thereby transforming the bank as a corporate entity to serve as a R. F.I

Back to Top 

Corporate Objectives

Develop and operate as a financially and operationally sustainable R.F.I of the

country. 
Assist rural community, particularly the small farmers, in raising their productivity
and income levels through timely delivery of credit, advisory and ancillary
services. 

Build ZTBL's image as a proactive, client friendly, financially & operationally

sustainable with indigenous product deployment. 
Establish and provide backward and forward linkages to strengthen agri. value
added commodity chains. 
Engage in public - private and wholesale - retail partnership to deepen outreach
and reduce operating cost. 
To function as a rural commercial bank to mobilize rural capital formation and to
commercialize the agri. sector by delivering the true value of credit to the client.
Provide a wide range of risk insurance products to its clients. 
Open up it venues of operation to Domestic & International Banking Industry to
avail comparative advantages.

Back to Top 

Transformation of ZTBL to R.F.I of the country and road to excellence.

Healthy and well-functioning rural finance markets are directly related to

achieving the two key national policy objectives of accelerating rural/agriculture
growth and reducing poverty. The realization of these objectives depends on the
simultaneity of developments in rural finance and non-financial markets to foster
the creation of diverse sources of rural finance to build sustainable financial
institutions, and stimulate products and capital flows in the rural sector. For this,
rural finance must be seen as an integral part of equitable development within a
framework of macro economic stability. The ongoing corporatize restructuring lays
the basis for fundamental reforms for rural finance market development.

The recurring financial drain, pursuing the old rural finance paradigm and the
narrowing fiscal space have also promoted a shift in Government strategy that now
seeks viable intermediaries for enhancing outreach.

For the majority, access to affordable rural finance services is also important to
enable them to compete in the post-World Trade Organization scenario. Inability to
compete because of high financial costs could reduce income of the majority of
farmers and rural clients, particularly the small and subsistence clients. Lack of
access to affordable rural finance services will also prevent the clients from
switching to non-farm activities.

The ZTBL restructuring plan covering the following; (i) governance: establish an
environment that facilitates good governance and accountability; (ii) systems:
modernize operations through use of technology, networking, and communication
tools; (iii) business processes: streamline products and delivery systems so as to
reduce transaction costs, simplify operations, and increase outreach; (iv) products
and services: introduce products and services that are financially economically
viable; (v) human resource development: improve standards and skills of
management and staff and strengthen training capacity; and (vi) IT: establish new
hardware and software platform to support MIS, accounting system including
forensic accounting, and risk management functions. 

The reforms shall establish ZTBL as a key R.F.I of the country, aiming to outreach
annual rural clientele to 600,000 by the end of year 2008. By expanding its private
sector role, the bank aims to establish network of high tech rural and agri. financial
services through intermediations under public private participation and whole-sale
-retail lending mechanism.
Loan Schemes
Crop Maximization Project-II

An agreement was executed between Ministry of Food & Agriculture (CMP-

II M1NFA) and ZTBL on 06.6.2009 for implementation of Crop
Maximization Project-II in which both have agreed to participate in
establishment and Operationalization of Revolving Fund.

To implement the decision a new saving scheme under the name and style
of “MINFA Revolving Fund Deposit Account” (MRFDA), “M1NFA Special
Saving Deposit Account” (MSSDA.) and Member Farmers Saving Account
(MFSA) have been exclusively designed for Government's Crop
Maximization Project-TI (CMP-II M11'JFA).

Name of Special Programme for Food

Project Security and Productivity
Enhancement of Small Farmers
(Crop Maximization Project-Il)
Operational All over Pakistan in 28 Districts &
Jurisdication: 842 Villages as per annexure-I.
Sponsoring: Government of Pakistan .
Profit paidon ZTBL will pay profit at minimum
MINFA special rate of 7.5% per annum to be
saving calculated on daily product basis on
account: such balances lying in VOs,
MRFDA or MSSDA and said profit
will be paid on 6 monthly bases in
such respective accounts.
Membership: VOs will raise membership by
motivating small farmers having
holding upto 20 acres in Punjab ,
25 acres in Sind & Baluchistan, 15
acres in KPK & FATA & 25 acres in
AJK & Gilgist-Baltistan.
Share Money: Each VO member will contribute
the share money on the basis of
size of his land holding @ Rs. 250/-
per acre per annum for the first five
years.
Member All member farmers will open
farmer saving Saving Account in same branch of
account: the Bank where VOs account is
maintained.
Disbursement VO will lend money to its members
(lend money for purchase of input for production
to its of crop at 10% handling charges
members) per annum on daily product basis.
In case of late repayment by the
beneficiary, 12% per annum
handling charges will be recovered.
Approval of Loan proposal of VO level will be
loan prepared by VOs Accountant with
proposal: the assistance of the concerned
Agriculture Officer/Field
Assistant/Stock Assistant and
presented the same before
committee comprising of President,
Secretary of VO and Credit Officer
of the Project for approval. On
 approval check/loan ceiling will be
issued alongwith approval letter for
Revolving Fund Special Saving
Account maintained by VO at the
nearest Bank Branch.
Documents While issuing the Cheque/loan
Required: ceiling following prescribed
documents will be obtained by VOs
from the ir borrowing members in
consultation with the Bank
concerned.

 An undertaking on legal paper

for returning the loans to VO

in time.

 Another undertaking on legal

paper duly registered with

Revenue

 Department for not selling

agri-land without NOC from

competent authority.

 A Post dated cheque of

Saving Account of member

farmers.

 “Fard Jamabandi” from

Revenue Department
  An attested copy of CNIC.

Annexure-I
Province Districts No. of
Village
s
Punjab Sialkot 30
  Gujranwala 30
  Sargodha 72
  Sahiwal 72
  Muzaffargarh 30
  R.Y.Khan 72
  Kasur 30
  Mandi Bahauddin 30
  Sub-total: 366

Sindh Sanghar 30
  Mirpur Khas 32
  Larkana 25
  Shaheed Benazir 30
Abad(Nawabshah
)
  Naushehro Feroz 25
  Khairpur 25
  Sub-total: 167

Khayber D.I.Khan 25
Pkhtunkhw
a
  Bannu 25
  Peshawar 25
  Charsada 32
   Sawabi 32
  Sub-total: 139

Balochistan Jaffarabad 30
  Khuzdar 20
  Pishin 20
  Qilla Saifullah 30
  Lasbella 20
  Sub-total: 120

AJK Kotli 20
  Poonch 20
  Sub-total: 40

FANA Gilgit/Biltistan 5
FATA Khyber Agency 5
  Sub-total: 10

  Grand-total: 842

Crop Loan Insurance Scheme

ZTBL has launched Crop Loan Insurance scheme (CLIS) as per

instructions of Government/ SBP. The main features of this scheme are
listed hereunder:-

Operational All branches of the Bank throughout the

Jurisdiction: country.
Premium: Premium will be charged @ 1.3% (inclusive
of all taxes and levies) of loan sanctioned for
Rabi and Kharif crops separately. Bank will
pay the premium for subsistence farmers and
will get reimbursement from the Government
on half yearly basis.
Maximum loan Rs. 500,000 in an individual case.
limit Insured :
Sum insured: Production loan for agreed crops of each
season (Rabi & Kharif) for which premium is
paid.
 Crops Wheat, Cotton, Sugarcane, Rice & Maize
covered:
Perils covered: Excessive rain, Flood, Drought, Hailstorm,
Frost, Locust attack and Insect attack.
Period of From the date of sowing/transplantation to
Insurance: completion of harvesting of the insured crop.
Compensation Full compensation will be paid if the insured
: standing crop is damaged by the perils
covered in calamity notified areas by the
Government.

Establishment Of Model Village by ZTBL

In order to implement Government's vision to ensure development of Agri.
Sector in a phased manner, establishment of one Model Village in
each Zone of the Bank is launched. The pilot project will be implemented
with the collaboration of Ministry of Food & Agriculture/ Provincial
Agriculture Departments.

An exclusive Agriculture Officer/Mobile Credit Officer will be posted in each

selected Model Village who will be responsible for provision of services to
the farming community such as:

 Provision of credit facilities for 100% requirements

 Improvement of present/existing production level by introducing latest

technologies among the farmers of the area in collaboration with

public and private agencies dealing in farm inputs/agri-technologies.

 Extend full support to raise income of inhabitants in dairy, poultry,

livestock and bee farming etc.

 Facilitate farmers in marketing of the ir crops/produces on the best

prevailing market rates.

Rate of Mark up: 9% p.a. with 1% rebate on timely
repayment.
Documents Required: CNIC Photocopy, Loan Case File, IB-7
Agreement, Agri-Pass Book & 2 Latest
Photographs.
Maximum Loan Limit: Rs.1.000 million per borrower/party.
Other information can be had from nearest Zonal Office & Branch Offices.
Name & addresses of Zonal Offices/Branches are available at website
(www.ztbl.com.pk)
Zone-wise list of Model Villages
S.N Zone District Branch Model
o. Name Villages
Islamabad Rawal Rawal Ghazi Kholi
1 Pindi Pindi
2 Lahore Lahore Chung Kamas
Sargodha Sargodha Chak
3 Bhalwal No.16-SB
M.B.Din Chaillianw Chaillianw
4 ala ala
M.B.Din Chaillianw Chak Jani
5 ala
Faisalabad Faisalabad Chak #
6 Faisalabad 32-JB
Gujranwal Gujranwal Kot Inayat
7 a a Wazirabad Khan
8 Sahiwal Sahiwal Sahiwal 92/6-R
Vehari Vehari Tibba Durpur
9 Sultanpur
Multan Multan Multan Jahangirab
10 ad
D.G. Khan D.G. Khan D.G. Khan Khakhi
11 Gharbi
 Muzaffarga Muzaffarga Muzaffarga
12 rh rh rh Doaba
Bahawalpu Bahawalpu Bahawalpu Goth
13 r r r Gehna
14 R.Y. Khan R.Y. Khan R.Y. Khan Kandewali
15 Peshawar Peshawar Peshawar Ternab
16 D.I. Khan D.I.Khan D.I.Khan Dial
17 Mianwali Piplan 3-4/M-L
18 Abottabad Haripur Haripur Dingi
Karachi Thatta Mirpur Deh Naihki
19 Sakro
Hyderabad Hyderabad Sarang
20 Tando Jam Faqeer
Shaheed Shaheed 19-Jalalani
Benazirba Benazirba
d
21 d Sakrand
Shaheed Dour Baloo -Ja-
Benazirba Quba
22 d
23 Sukkur Sukkur Sukkur Akbarpur
24 Larkana Larkana Larkana Dhamrah
Mirpur Mirpur Mirpur Doulatpur
25 Khas Khas Khas
26 Quetta Quetta Quetta Kuchlak
D. M. Naseeraba D.M. Goth Shafi
Jamali d Jamali Muhamma
27 d
AGRI. TECHNOLOGIES TO BE DISSEMINATED IN MODEL VILLAGES
Agriculture officer/MCO of Model Village will provide technical guidance and will
be responsible for utilization of modern agri. Technology on the followings:

 Proper time of sowing .

  Selection of high yielding varieties.

 Seed treatment before sowing.

 Proper seed bed preparation.

 Use of hybrid/certified seed.

 Appropriate method of sowing – use of seed cum fertilizer drill.

 Appropriate method of sowing – use of seed cum fertilizer drill.

 Education of farmers regarding pest scouting.

 Proper application of pesticide.

 Awareness regarding rodent control.

 Effective weed control – use of herbicides / weedicides.

 Effective irrigation techniques – sprinkler – drip irrigation systems.

 Mechanized harvesting.

 Farm storage to save post harvest losses.

   Effective role in the marketing of produce.

One Window Operation/ Zarkhaiz Scheme (ZS)

Salient features of the Scheme:-

 An easy way to get Agri.Pass Books.

 Credit needs of the farmers at the ir doorsteps.

  All formalities from the issuance of Agro.Pass Book to processing of

loan are completed on the spot.

 Efficient and cheaper lending procedure.

 Simplified documentation.

 Timely disbursement.

 Transparent services.

 Focus on small farmers.

 Low recovery rate as compared with o the r Banks/DFIs.

Operational Throughout Pakistan (except Mingora Zone in

Jurisdiction: NWFP, Turbat Zone in Balochistan Province and
FANA being un-settled/hilly areas).
Selection of ZTBL MCOs, Revenue and postal staff meet at
Farmers/ selected focal points once a week on each
Borrowers: Monday. Blank Agri.Pass Books are supplied by
the postal authorities. Patwari/Revenue officials
enter land record in Agri.Pass Books. Farmers
after obtaining pass books from revenue officials
meet ZTBL MCOs for loans. Loan Case File
(costing Rs.100/-) o the rwise is supplied to the
intending borrowers free of cost.
Delivery Channel: ZTBL, Revenue, Postal authorities and Supplier
through selected focal points.
Collateral: Agri.Land mentioned in Agri. Pass Book
Eligibility Ctiteria : Farmers having irrigated land up to 25 acres and
barani land up to 50 acres.
Documents CNIC Photocopy, Loan Case File, IB-7
Required: Agreement, Agri. Pass Book & 2 Photographs of
borrower.
 Maximum Rs.0.2 million per borrower/party.
Sanction Limit:
Rate of Mark up: 9% p.a with 1% rebate on timely repayment.
Incentive:  The farmers are facilitated at the focal point

where the bank, revenue and postal officials

are available.

 The loan is disbursed within 3 days.

Repayment: Rabi loans are recoverable on 7 th July & Kharif

loans on 7 th January.
Loanable Items: Inputs-Seed-
fertilizer,pesticides/insecticides/POL/labour
charges etc)

Canola Re-Financing Scheme

Concessional Financing and Guarantee Scheme for Canola
Cultivation in Flood Affected Area

In line with the policy of Federal Government SBP ZTBL has launched a
“Concessional Financing and Guarantee Scheme” for the current financial
year 2010-11 in following flood affected areas:-

S. District S. District
No. No.
Punjab Khyber Pakhtunkhwa
1. Layyah 1. Nowshera
2. Muzaffargarh 2. Charsadah
3. Rajanpur 3. D.I. Khan
4. Rahim Yar Khan 4. Peshawar
5. Multan    
6. D.G Khan    
Sindh Balochistan
1. Sukkur 1. Nasirabad
2. Nausheroferoz 2. Jaffarabad
3. Benazirabad 3. Jhal Magsi
4. Larkana    

Salient feature of the scheme:-

Scope/  All categories of farmers (owner, owner-cum-

Eligibility
criteria: tenant and tenant) of the specified areas are

eligible for agricultural loans under the Scheme.

 Branches shall provide agri. loans to farmers as

per Bank's credit policy and SBP regulations.

 Production loans would be provided under One

Window Scheme as well as through General

Credit Scheme in branches as it is one time

arrangement without involving revolving limit on

the pattern of Sada Bahar/Awami Zarai Schemes.

 Branches would arrange for the insurance of loan

cases provided under the scheme to avoid risk of

losses due to natural calamities.

  The loan would be processed under scheme

during current Rabi season up to expiry of the

sowing period of the canola crop as per local

conditions

Security: The loan would be secured against the acceptable

forms of security as per policy of the Bank. The surety
loans would be advanced up to Rs.25,000/- per
borrower against two sureties as per standing
instructions of the Bank.
Sanction of Production loans upto Rs. 0.500 million would be
Loans: sanctioned by the Managers. In case the amount of loan
to be sanctioned including amount of loan(s)
outstanding exceeds Rs.0.500 million the loan would be
sanctioned by the respective Zonal Chief .
Legal Legal documentation would be executed as per type of
Documentatio security and system to be followed according to
n standing instructions of the Bank.
Disbursement: The sanctioned loan would be disbursed in cash
through current deposit account of the borrower.
Rate of Mark- Mark up rate to be charged from the borrower at 8% per
up annum and in case of default 9% per annum would be
charged from 08.06.2011 till its repayment/closure of
loan case.
Repayment of Principal amount of loans under the scheme shall have
Loans to SBP: to be repaid on the agreed date between bank and the
borrower.
Utilization: MCO would check the utilization in each and every case
within 30 days of disbursement. In case the loan case is
declared as misutilized this would be recalled in lump
sum as per Bank's instructions. Random rechecking of
utilization would be done as per standing instructions.
Monitoring: All concerned Branch Managers, Zonal Chiefs and SVP,
Credit Operations Department ZTBL HO Islamabad will
 be responsible for overall monitoring of the scheme so
as to ensure the achievement of given targets and
compliance of all the terms & conditions of the SBP
scheme.

Financing Package for Karachi

A financing package for the branches falling under Karachi Zone has been
notified through which financing for Fisheries, Dairy, Poultry Farming, Feed
Mill, Horticulture, Vegetable raising & Nursery for Orchards, Covered
Horticulture, Cut Flower, Ornamental Plants, Agri. Machinery, Irrigation
Schemes & Milk Collection Centres, is advanced to accelerate the ir
development.

Security: The loans are advanced against tangible

security i.e. agri. land, plot/residential building
or commercial property. Valuation of
land/property offered in security is worked out
on the basis of average sale mutation value
or residential/commercial auction price fixed
by the concerned land allotting agencies like
DHA, MDA, KDA & Cantonment Board etc.
Conditional  Preference is given to new borrowers.
Ties :
The old borrower having good track

record can also avail loan facility.

Experience and technical know how

would be added qualification to get

loan.

 MCO/Managers are responsible for the

recovery and proper utilization of loan.

 Capped 10% current deposit in lieu of equity
deposit/ contribution is obtained from the borrower
Equity which should be maintained during the
Contribution: currency period of the loan.
Sanction The Branch Manager sanctions all types of
Authority : loans under the financing package upto
Rs.0.500 million, whereas more than
Rs.0.500 to Rs.1.000 million, loan would be
sanctioned by the concerned Zonal Credit
Committee.
Rate of Mark Mark up rate of 9% per annum will remain
up : operative with 1% rebate on timely
repayment would be charged.
Utilization/ The utilization of loan would be checked by
Monitoring : the Assistant Manager (Desk) after one
month of the disbursement. The monitoring of
the se loans would also be made by deputing
a Senior Officer by Credit Division
Awami Zarai Scheme (AZS)- Farm Credit
Mandatory for all new borrowers and optional for existing borrowers of crop
production loan under Sada Bahar Scheme to avail revolving limit under
Awami Zarai Scheme to get inputs through M/s Kissan Support Services
Limited (KSSL) - a subsidiary of ZTBL under kind system. The prime
features of this scheme are hereunder:-

Operational All over Pakistan

Jurisdiction:
Selection of Bank MCO Selects the Borrowers keeping in view the
Borrowers : criteria fixed for Sada Bahar Scheme
Delivery Branch/KSSL/Supplier
Channel:
Collateral: Tangible Securities.
Rate of Mark 9% p.a with 1% rebate for timely repayment.
up:
Documents CNIC Photocopy, Loan Case File, IB-7 Agreement,
Required: Agri. Pass Book & 2 Photographs
Working of It will be worked out as per crop wise ceilings fixed and
Revolving revised from time to time.
limit:
Maximum Rs.0.500 million per borrower/party.
Limit:
Loan Disbursement is made after supply of inputs on the
Disbursement: basis of supply order issued in the name of KSSL,
receipt of bill & acknowledgement receipt duly signed
by the borrower in the branch
Repayment: This scheme is meant for 3 years with yearly
renewal/clean up. Rabi crop loans are repayable on 7 th
July and Kharif on 7 th January each year with grace
period of one month. In case of sugarcane two
installments would be fixed, 1 st on 7 th January and 2
nd on 7 th April each year with grace period of one
month.
Loanable Inputs i.e. seed, fertilizer and pesticides etc.
Items:
Awami Zarai Scheme (AZS)- Non Farm Credit
(PRODUCT FOR PROVISION OF WORKING CAPITAL NON-FARM
CREDIT (POULTRY, DAIRY & FISHERY)
This product is tailored through which working capital would be provided for
poultry, dairy and fishery renewable on yearly revolving basis with 3 years
currency period.

Selection of All experienced poultry, dairy and fishery farmers

Borrowers: who are successfully running Non-farm credit
activities.
They have clear CIB report.
Documents  Loan Case File
Required:
 Photocopy of CNIC

 Plan of poultry shed

 Agricultural Pass Book

  Two photographs.

Cost of Loan Case File-Rs.100/-, IB-7 Agreement, Postal

Credit Charges Rs.50/- p.a. Appraisal fee is 1% & Mark
up rate is 9% p.a with 1% rebate for timely
repayment.
Equity 10% of the total amount of working capital.
Contribution
:
Tangible Both movable and immovable property,
Security: acceptable as per standing instructions of the
Bank.
Maximum Rs.0.500 Million per borrower/party.
Credit Limit
Repayment 1. Poultry Working Capital
Schedule:
1. Broiler farming: In two half yearly

installments on 7 th Jan and 7 th July.

i. Layer/Breeder: in one installment after

one year period on 7 th Jan or 7 th

July as the case may be.

. Dairy Working Capital

In two half yearly installments on 7 th Jan

and 7 th July.

. Fisheries(Inland /Marine) Working Capital 

In two half yearly installments on 7 th Jan

 and 7 th July.

Red Meat Financing Package for Sheep/ Goat

Rearers
Pakistan 's economy is predominantly agrarian. The agriculture sector
contributes 21% to the GDP. Livestock being largest sub sector of the
agriculture accounts for 50% of value addition. 35 million rural population
depends directly on this sector. Thus this scheme has been launched to
promote this sector.

AREA of Operation: Initially the financing package is implemented in

Multan , Faisalabad , D.G.Khan, D.I.Khan, Bhakkar, Nawabshah, Dadu,
Sukkur, Peshawar , Lasbella, Loralai, Khuzdar Districts branches having
good potential and repayment culture. The scheme will be scaled-up in a
phased manner

Size of Farm: New/Fresh enterprise 10-20

heads
Existing/Medium Farmer with 3 years 20-50
experience heads
Escalators/expanding with above 5 years 80-100
experience heads
Maximum Per sheep/ Goat Rs. 5,000/-
Loan Limit : Per Teddy/ Goat Rs. 3,500/-
Per Kid Rs. 1,200/-
Borrower 10% of the project cost
Equity:
Recovery Fattening 6-15 months
Period: Breeding 5 years

White Revolution- ZTBL & Nestlé

Zarai Taraqiati Bank Ltd has been financing Milk Processing Units for UHT
as well as pasteurized besides conventional dairy farming in the country
since long. Bank has now embarked upon to bring white revolution in the
country through integration of dairy farmers and milk processors.

In order to increase milk supply, mitigate poverty in the country and

improve the living standard of the rural populace, as a first step, modalities
of Strategic Partnership of Bank with M/s. Nestlé Pakistan Ltd. have been
worked out and an agreement to this effect has been executed.

Operational Throughout Punjab Province

Jurisdiction:
Selection of M/s Nestlé identifies the borrowers (existing as
Borrowers: well as new dairy farmers) to recommend
concerned ZTBL Branch through Model Branch
Lahore.
Delivery Channel: Nestlé/ ZTBL Branch
Collateral: Tangible Properties
Documents CNIC Photocopy, Loan Case File, IB-7
Required: Agreement , Agri. Pass Book & 2 Photograph &
Building Plan (if dairy structure involves).
Loanable As per prescribed rates
Items/maximum Upto Rs. 80,000/- per head
limit: Upto Rs.125,000/- per head
Upto Rs. 6,000/ per head
 Dairy

sheds/struct

ure

 Local

Buffalo/Cow

 Imported

Cow with calf

  Working

Capital

Maximum Loan Rs.1 million per borrower/party.

Limit:
Cost of Credit: Loan Case File- Rs.100/-, Appraisal Fee @1% of
loan amount, Postal Charges Rs.500/- per year,
Mark-Up Rate is 9% p.a. with 1% rebate for timely
repayment.
Insurance of Bank arranges insurance of animals through M/s
Animals Adamjee Insurance Company Ltd.
Equity 10% of the cost of the Project
Contribution:
Disbursement of  Loans for sheds and working capital will be
Loan:
disbursed in cash in suitable installments.

 Imported cows through Nestlé.

 Local Cow/Buffaloes through pay order/DD

in the name of seller.

Allocation of For the five years 2007-2011 Rs.5 Billion have

Funds: been allocated to finance 10,000 animals each
year.
Monitoring of M/s Nestlé will carry out monitoring of loan to
Loan: update the branch periodically.
Recovery Period: 5 years in monthly/weekly installments with grace
period of 1-3 months for local and imported
animals respectively.

White Revolution- ZTBL & PDDC

To modernize the existing dairy farming and in order to increase milk supply in the country, a
Strategic Partnership between ZTBL & PDDC has been made. Under the Scheme M/s PDDC
recommends 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 the reof on competitive market rates to the
farmers. Salient features of the scheme are as under:-

Coverage: Throughout the country.

Eligible Farmers: Existing good dairy farmers duly selected/recommended
by PDDC.
Delivery PDDC/ZTBL Branch/ Supplier.
Channel:
Documents CNIC copy, Loan Case File, Agri. Pass Book & 2
Required: Photographs
Type of Security: Agri Land /other Tangible Security.
Loan Limit: Rs.1.000 Million per borrower/party.
Equity 10% of the Project cost
Contribution:
Cost of Credit: Loan Case File Rs.100/-, IB-7 Agreement, Appraisal Fee
@1% of loan amount, Postal Charges Rs.500/- per year
Mark Up Rate: 9% p.a with 1% rebate for timely repayment.
Incentives: Borrowers are required to pay only 50% of principal
amount on due dates whereas mark-up as well as 50% of
principal amount shall be paid by PDDC
Recovery Period: 5 years in monthly installments with grace period of 3
months
Sada Bahar Scheme (SBS)
In order to facilitate the farmers and provide the m timely inputs (seed, fertilizer, pesticides,
insecticides, POL and labour charges etc) for crops loan under Sada Bahar Scheme(SBS) is
provided. Besides, working capital for dairy, poultry and fishery are provided to the interested
borrowers under the scheme. The salient features of the scheme are as under:-

Operational All over Pakistan

Jurisdiction:
Selection of Borrowers: i. Under the scheme the Bank MCO selects the Borrowers

for crop production keeping in view of the criteria fixed

for Sada Bahar Scheme(SBS).

ii. Loan for poultry, dairy and fishery are also provided to

the interested borrowers under the scheme.

Delivery Channel: Branch

 Collateral: Tangible Securities
Rate of Mark up: 9% p.a with 1% rebate for timely repayment.
Documents Required: CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri. Pass
Book & 2 Photographs
Maximum Limit: Rs.0.500 million per borrower/party.
Working of revolving The revolving credit limit is fixed to cater production/working
limit: capital needs of the borrowers during one year period.
Loan Disbursement: The borrower can draw the credit in lump sum or in piece meal
according to his need/requirement.
Repayment: For repayment of both production as well as loan working
capital for poultry, dairy and fishery the borrowers are required
to clear the outstanding liabilities under the scheme once
in a year by the due date and get renewed credit limit for next
year up to 3 years.
Loanable Items: Inputs i.e. seed, fertilizer and pesticides etc.
Working capital for Poultry, Dairy and Fishery.

Green Revolution Scheme

In order to achieve the aim of providing farm machinery and implements to encourage
the mechanized farming for the enhancement of agriculture productivity as compared
with traditional tillage system a Memorandum of Understanding between Zarai Taraqiati
Bank Ltd. and Department of Agriculture. AJ&K has been signed under title of Green
Tractor Scheme. The main features of this scheme are listed hereunder:-

Operational Throughout AJ&K Area

Jurisdiction:
Selection of Bank MCO Selects the Borrowers on the recommendation of
Borrowers: Department of Agriculture, AJ&K
Delivery Branch/Department of Agriculture, AJ&K
Channel :
Mark up Rate: 9% p.a with 1% rebate on timely repayment.
Document CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri. Pass Book &
Required : 2 Photographs of borrower
Collateral: Tangible Properties
Maximum Rs.1.000 million per borrower/party
Credit Limit:
Incentive: AJ&K Government would reimburse the amount of mark up charged
by the Bank provided the borrowers repay the loans on due date.
Repayment: The loan will be recoverable within 5 years in 10 equal installments
 commencing after six month of issuance of DD.

Rural Devlopment Scheme

In order to provide Credit Assistance for Dairy, Poultry, Sheep & Goat Farming in the rural areas
of the State of Azad Jammu & Kashmir, a Memorandum of Understanding between Zarai
Taraqiati Bank Limited and Azad Kashmir Small Industries Corporation has been signed. The
following are the salient features of the scheme.

Operational The scheme shall be implemented in the entire area of

Jurisdiction: Azad Jammu & Kashmir through network of ZTBL
branches & Azad Kashmir Small Industries Corporation.
Selection of The borrowers will be selected by AJ&K Small Industries
Borrowers: Corporation. The loan to the selected borrowers shall be
provided by ZTBL as per prescribed procedure.
Equity Contribution: 10% of the Project Cost
Mark up Rate: Mark up rate is 9% p.a with 1 % rebate on timely
repayment
Incentives: All the applicable mark up on the loan installments under
the scheme will be paid to ZTBL by AJ&K Small
Industries Corporation.
Collateral: Tangible Properties
Maximum Credit Rs.1.000 Million per borrower/party
Limit:
Repayment/Recover a. Poultry Farming – Within 5 years in half yearly
y Period:
installments commencing one year after 1st

disbursement of loan.

b. For Dairy/Livestock Farming – Within 5 years in

half yearly installments commencing six months

after 1st disbursement of loan.

Agriculture Technology

Dairy
Potato digger
machinery
Fruit grader Potato grader
Garden waste
Potato planter
chipper
MESCER Pruning equipment
O
Modern agri
machinery SALUSTIANA
implements
FLAIL
Self Propelled rotary hoe
MOWER
Agro based
Solar devices
industries
Irrigation
Stubble shaver
machinery
Crops
Tunnels
orchard
Cut flower
Water reel sprinkler
crops
High tech
cheaper Yanmar combine harvester
Technologies
Offset
Fertilizer spreader
rotavator
Groundnut
Inter row rotary cultivator
thresher
 

Potato Digger

This machine is connected to tractor 3 point linkage and driven by

PTO. Two rows of potatoes are dug out. The soil is separated from
the potatoes on the conveyor grids and on the longitudinal shaking
sieves. The potatoes are dropped in single row and collected by
hand.

SPECIFICATIO
NS
Total
length: 220
cm 
Total
width:160 -
170 cm 
 Weight: 360 -
380 kg

Dairy Machinery

Self Propelled Fodder Reaper

Milking Machine

Milk Chilling Units

Farm Yard Mannure Spreader

Fruit Grader

For grading all kinds of fruits this machine is equipped with roller inspection belt,
conveyer belt and grading disc for six sizes + Handling of fruit is without damage.

SPECIFICATION
S
Grading
Disc:Speed
variable
Power
Required:1x
½ HP + 1 x 1/3
HP
 Sizes of
Fruits:Stepless
adjustable
Weight: 400
kg

Potato Grader

Potatoes are fed by elevator belt (variable speed to 3 riddles which move the potatoes with adjustable
shocks to roller inspection belts. The machine has 4 outlets to provide different sized potatoes. Handling
of potatoes is with out damage, especially suitable for seed potatoes.

SPECIFICATIONS
Overall Length: 525 cm 
Overall width:125 cm 
Riddles: 3 with square holes, 1 with
bar
Motor: 0.75 KW 
Capacity:4000 Kg/hr

Garden waste chipper

Chips wood up till 8 cm with a knife disc and shreds branches and other garden waste like grass, herbs
etc. the machine is tractor mounted and PTO driven.

SPECIFICATIONS
Diam. Knife disc:45cm
Number of knifes:2
Revolution of knife disc:1800 RPM
Weight:250 kg
Power Requirement:25- 30 HP

 
Potato Planter

The seeding mechanism is land wheel driven. The elevator chain is mounted with cups lifting the
seed potatoes from the hopper to the seed funnel. Furrow openers open the furrows where the
seed is dropped. Seed is later covered by means of adjustable disc/ridger.
SPECIFICATIONS
No. of Rows: 2
No. of Hopper: 2
Row to Row Distance:Adjustable
Field Capacity: 2 hours/acre

 
MESCERO

seedless

Acidic / juicy

Highly productive

Round the year bearer

Export Oriented

An excellent crushing variety

Pruning Equipment

Tractor mounted compressor with big capacity tank provides air to two automatic hose reels with 50
meters house each. A variety of pruning shear, tree shear, hedge trimmer (65 cm) and chain saw (length
24 cm) is available.

SPECIFICATIONS
Suction capacity: 850 L/Min
Tank capacity:250 L
Max. pressure:18 Bars 
Normal pressure: 8- 12 Bars 
Cutting capacity shears: 30-35

Small HP Tractors (14-35 HP)

Combine Harvesters

Seed Processing Unit

Potato Grader

Multi Crop Planter

Potato Planter

Potato Digger

Groundnut Thresher

Self Propelled Reaper for Wheat & Paddy

Reversible Disc plough

Three Rows Ridger

Rice Transplanter
 Cotton Picker

Inter Row Rotary Cultivator

Sugarcane Harvester
Off Set Rotavator

Orchard Sprayer

Electrodyne Sprayer

Flail Mower

Stubble Shaver

Maize Sheller

SALUSTIANA
 Seedless

Sweet and Juicy

Thinly shinned

Excellent crushing variety

Highly productive

Broad acclamitization

Export Oriented

FLAIL MOWER

Tractor driven machine used to cut the grass and shrubs in the gardens. This machine is driven by PTO shaft. Crops residuals are
also cut down which can enhance soil fertility.

SPECIFICATIONS
Working Width: 72 Inches (180 cm)
Power Required: 1x ½ HP + 1 x 1/3 HP

 
Self Propelled Rotary Hoe

SPECIFICATIONS
Engine: 5 HP 
Fuel: Petrol 
Field Capacity:0.75-1 acre/hr.
Agro Based Industries

U.H.T. Treated Milk Plants

Yogurt Plants

Rice Mills

Juice Plants with paper packing facility

Packing Material for food items

Solar Devices

Solar Lift Irrigation System/Tubewell

 Solar Fencing

Solar Gyser

Solar Loud Speaker System

Solar Berg Alarm System

Irrigation Machinery

High Speed Diesel Engines

Sprinkler Irrigation Systems

Drip Irrigation System

Stubble Shaver

For vigorous deep rooted ratoon of sugarcane crop stubble shaving is essential. The process destroys unwanted cane stubble so
that the ratoon growth can develop further.

SPECIFICATIONS
Blades: 6
Required HP:55 HP
 
Crops Orchard

Soybean Cultivation

Multicut Hybrid Sorghum

Hybrid Maize

Tea Cultivation

Mint Cultivation and Distilation Unit

Hot Bin Mist Propagation Unit

Polythene Tunnels

Shade Netting

E.M. Technology

Exatic Fruit Plants

Deciduous

Mother plants

Dwafing apple rootstoc

Recommended varieties
 Star Krimson (apple)

Red Beauty (plum)

Salustiana (orange)

Mescero (lemon)

MM 106 (apple rootstock)

Export Oriented Citrus plants

Sweet oranges

Mandarines

Lemons

Tunnels

Production three
folds as
compared to
open conditions

Early and late

production

Considerable
water savings

Weed control
easy and
effective

Helps raising
ornamental
plants
Cut Flower Crops

Roses

Tube Roses

Gladioloi

Water Reel Sprinkler

This machine is used to irrigate almost all the agricultural crops. Considerable water saving is made since
there is noloss of water due to seepage. The pump is operative by tractor PTO.

SPECIFICATIONS
Flow:2-4 Lit/ Sec
Throw:35 Meter
Pipe Length:180 Meter

 
Development of High Tech Cheaper Technologies

Potato Digger

Inter Row Rotary Cultivator

Self Propelled Rotary Hoe

Self Propelled Reaper for wheat & paddy

Groundnut Thresher

Potato Planter
 Water Reel Travelling Sprinkler

Three Row Ridger

Border Disc

Off Set Rotavator

Stubble Shaver

Flail Mower

Fertilizer Spreader

Seed Processing Plant

Fruit Grader

Yanmar Combine Harvester

This combine harvester is basically designed for harvesting of paddy crop but it is also capable of
harvesting wheat, sunflower, maize and canola crops etc. It is fitted with screw rotor type threshing drum
due to which it does not cause grain breakage. 04 Units of this combine harvesters are available in stock
for sale which will be supplied to intending buyers on " first come first served basis" against cash or
credit.

SPECIFICATIONS
Model:CA-760
Engine:Yanmar 4TN100 , Water -
cooled , 4 - Cycle , Vertical 4-
Cylinder , Diesel Engine
Engine output: 76 PS/2600 rpm (75
HP)
Grain Handling System:Bagging
type
Av. Field Capacity: 1.25 - 1.50
acre/hr Paddy 
1.50 - 2.00 acre/hr Wheat
Offset Rotavator

Its blades cut and pulverize the soil and incorporate trash effectively. Offset type rotary cultivators are
especially suitable for soil cultivation in orchards particularly under trees. As the implement is off-set to
one side of the tractor, therefore, tree branches do not cause hindrance to tractor operator.

SPECIFICATIONS
Speed:540 RPM
Power required: 45- 50 HP
 
Groundnut Thresher

This machine is used for separating pods from peanut vines. Pods attached to the vines are fed from the
top of the thresher. Clean pods can be collected in sacks. This machine is powered by a small HP Engine.

SPECIFICATIONS
Engine Power: 2HP
Working Capacity:300-370/ KG/Hour
Drum Revolutions:400- 500 RPM

Fertilizer Spreader

Chemical fertilizers utility increases if kit is evenly spread. Fertilizer spreader evenly spreads if it is
evenly spread. Fertilizer spreader evenly spreads both granular and powdered fertilizers. The quantity of
fertilizer application can be adjusted according to requirement without any wastage, thus ensuring
optimum returns on fertilizer investments. Fertilizer is put in the hopper, two rod like structures
continuously agitate the fertilizer.

SPECIFICATIONS
Hopper capacity: 300 kg
Fertilizer spreading width: 10m
Weight:20 kg
Power Required:30-35 HP Tractor
 

Inter Row Rotary Cultivator

This Rotary Cultivator can be used for hoeing of cotton, maize, sugarcane, groundnut, tobacco
and other row crops. Weeds are controlled mechanically while aeration and infiltration of soil are
also improved.
SPECIFICATIONS
No. of Rows:3
Row to Row Distance:Adjustable
Working Width:20" / 50 cm

 
Credit Limits
Overall Credit Limit Per Borrower Rs.1.000 Million
Sada Bahar Scheme under one window operation or otherwise Rs.0.500 Million
PER ACRE CREDIT LIMITS

Major Crops:
Wheat 16,000
Paddy (Rice) 19,000
Sugarcane 30,000
Cotton 21,000
Maize 20,000
Minor Crops:
Potato 36000 Bajra 11000
Tobacco 29000 Jawar 11000
Mustard Mung 11000 Gram 12000
Tomato 19000 Guara 3000
Mash 3000 Caster Oil 6000
Lentil 11000 Barlay 9000
Groundnut 14000 Berceme 4900
Sunflower 15000 Janter 4000
Soyabean 12000 Garloc 26000
Canola 13000 Turmeric 25000
Rape Seed 11000 Ginger 30000
Til(Sesame) 12500 Lacern & Shaftal 4500
Suger beet 12000    
Mature Orchard/Fruits Crops:
Pear 24000 Dates 31000
Loquat 24000 Strawberry 25000
Plum 33000 Tea 60000
Apple 37000 Guava 24000
Papaya 22600 Pomegrante 33000
Almond 32000 Palm 22000
Coconut 21000 Olive Oil 13000
Lichi 32000 Walnut 23000
Cherry 33000 Persimen 15000
Mango 37000 Zizi Phus(Bher) 25000
Apricot 31000 Melon 16000
Banana 37000 Water Melon 16000
Peach 32000 Musk Melon 16000
Citrus 34000    
Growing Orchards

SNo
Trees 1st Year 2nd Year 3rd Year 4th Year 5th Year
.
1 Mango 24,000 13,000 13,000 13,000 14,000
2 Citrus 21,000 12,000 11,000 13,000 13,000
3 Apple 23,000 12,000 12,000 12,,000 14,000
4 Banana 29,000 20,000 23,000 30,000 26,000
5 Jujuba 19,000 9,000 10,000 10,000 10,000
6 Guava 21,000 12,000 11,000 13,000 13,000
7 Coconut 29,000 6,000 6,000 7,000 8,000
8 Palm Oil 18,000 6,000 7,000 7,000 7,000
9 Dated 33,000 12,000 11,000 12,000 13,000

Growing Agro Forest Trees

SNo
Trees 1st Year 2nd Year 3rd Year
.
1 Bamboo 34,000 8,000 3,000

Types of Security
Immovable Property

Agricultural Land  

  Under Pass Book System 80%

  Outside Pass Book System 70%
  Under Alienability Certificate 66%
Commercial/Industrial Land under Pass Book 80%

Outside Passbook System  

Urban Residential/Commercial Plots in all localities outside Pass 75%

 
Book
  Alienability Certificate 66%
  Residential/Commercial Buildings 70%
Lease hold rights of a leased land of CDA/KDA with 99 years lease 70%
Back to Top 

Movable Property

Unconditional Bank guarantee from Upto maximum amount of an un-

scheduled Banks conditional Bank guarantee after keeping
sufficient margin for un-paid mark-up, cost,
charges and expenses.

Guarantee issued by Central or Provincial   Full amount of loan plus return and other
Government charges.

Government securities   85% of face value or market value

whichever is less.

Defense Savings & FEB Certificates   75%

Fix Term Deposits Receipts   85% of face value.

NIT Units   80% of the face value or market value

whichever is less.

Life Insurance policies   85% of surrender value

 Pledge of Potatoes/Seed Potatoes price or   Upto 75% of Govt. support
market value which ever is less
Back to Top 

Personal Surety

Against a bond with two sureties under General Upto 50% of appraised value of
Credit and one surety in Special Schemes upto properties of sureties.
Rs.25,000/-
Back to Top
Debt Equity Ratio
For Tubewell/Tractors/Implements/Attachments/Equipments
1 All kinds of Tubewells/ Turbines 25% Within 5 years in annual/bi-annual
installments commencing one year
after first disbursement

2 New Tractor No equity but Within 8 years in monthly/quarterly

10% of the or half yearly installments to be
loan is to be decided by Manager in consultation
needed in PLS with borrower.
Account

3 Used Tractor, -do- Within 5 years in monthly/quarterly

Equipments/attachments/implement or half yearly installments to be
s and used tractor decided by the Manager in
consultation with borrower.

Except Tubewell/Tractors/Implements/ Attachments/Equipments

Production Loan upto Rs.0.100 Million NIL

Land holding upto 25 acres/loan amount upto Rs.0.2 Million 15%

Land holding beyond 25 acres to 50 acres/loan amount beyond Rs.0.2 Million 25%
upto Rs.0.5 Million

Land holding beyond 50 acres/loan amount beyond Rs.0.5 Million upto Rs.1 30%
Million.

Repayment Periods
S.No. Types of Loans Recovery Period
Crop production working capital loans recoverable in lump sum
1 Short Term Loans commencing after the harvest/marketing of respective crops and
within maximum period of 12 months.

Medium Term Dairy farming and livestock etc. In yearly/half yearly/monthly

2
Loans installments and within maximum period of 5 years.

Tractor, agricultural machinery, poultry farming, godowns and

3 Long Term Loans orchard iIn yearly/half yearly installments within maximum
period of 8 years and. above.

Recovery Procedure
Recovery Schedule

Recovery schedule in each loan case as per terms of sanction of loan is fixed and
communicated to the borrowers after disbursement of loan.

In case of default or failure in repayment of any installment on due date the mark-up
shall continue to be charged and last installment due to this may differ from the amount
of installments fixed at the time of disbursement.

Back to Top 

Issuance of Notices

Demand notice is issued before the due date of every installment.

A Legal Notice is issued one month after the due date informing the borrower that if the
amount is not repaid within next one month, further legal action will be taken to recover
the dues.

Back to Top 

LEGAL ACTION

Legal action can be initiated against the defaulter if loan is not repaid even after
expiry of legal Notice period.

Where the court in bank's favour has decreed a case, account is to be settled by
recovery of amount from the auction of the mortgaged property.
 The bank may purchase the mortgaged property if considered feasible to dispose it
off later on through auction or in any manner deemed fit for getting the best price.

The bank may dispose off the mortgaged properties of defaulters for satisfaction of
its dues with out intervention of courts under Financial Institutions (Recovery of
Finances) Ordinance 2001.Rescheduling of Loan Repayment Facility

 
Rescheduling of Loan Repayment Facility
ZTBL allows rescheduling of repayment of installments to its borrowers in order to maintain
credit discipline and to mitigate their genuine problems in real hardship cases and in areas
declared as calamity hit by the respective Provincial Governments

The Rescheduling facility is to be considered by bank on case¬to-case basis and

is to be allowed on borrower's request only.

The relaxation in recovery period shall not be allowed beyond one year in any
case.

The borrowers shall have to execute a supplementary loan agreement on Non

Judicial Stamp Paper of appropriate value to give legal cover to extended period.

The borrowers shall have to pay the return for the extended period.

 
Down Payment for Rescheduling of Loans
Rescheduling Rate of down payment as against due
Number installments to be rescheduled
1st 10%
2nd 20%
3rd 30%

Board of Directors
Sultan Ali Chaudhry Mr. Muhammad Zaka Ashraf
Chairman Board President/ CEO
(Brief Resume)
 Ms. Nazrat Bashir Dr. Amir Muhammed
Director Director

Mr. Abdul Wajid Arain Mr. Zafar-Iqbal

Director Director

Mr. Muhammad Iftikhar Khan Mr. M.Yaqoob Vardag

Mohmand Director
Director

Dr. Khalid Ahmad Khokhar Mr. Mahmood Nawaz Shah

Director Director

Muazam Ali
Company Secretary

Official Software

Sr#  Software Title Contact Person's Email

1 Employee Circles  [email protected]

2 HAMS - Hajj Applications Management System [email protected]
3 ICRMS - Internal Credit Risk Management System  [email protected]
4 IdMS - Identity Management System  [email protected]
 5 NIVS - National Identity Verfications System  [email protected]
6 Di-MIS - Dynamic Integrated MIS [email protected]
  6.1 Flood Affected Areas [email protected]
7 BTSMS - Benazir Tractor Scheme Management System [email protected]
8 RRIS – Regulatory Reporting Information System [email protected]
9 OPAM – Online Performance Appraisal Management [email protected]
1 VSL – Vendors Short Listing System [email protected]
0
1 CRM – Customer Relationship Management [email protected]
1
1 IAMS - Internal Audit Management System [email protected]
2

Press release
ZTBL organized Kissan Mela ZTBL organized Kissan Mela for Inaugural Ceremony of
for farmer in Badeen and farmer in Larkana and President demonstration of solar
President ZTBL Muhammad ZTBL  energy with high efficiency
Zaka Ashraf participated as a Muhammad Zaka Ashraf irrigation in model village
chief guest. participated as a chief guest.  chak no. 16-GB Sargodha.
Dated: 13-04-2011 Dated: 07-04-2011 Dated: 31-03-2011

On the eve of Golden Jubilee A Chinese delegation led by Mr. F. ZTBL organized Kissan
Ceremony of University of U Junhai Vice President of China Mela for farmer in DG Khan
Agriculture, Faisalabad, visit of Council for the Promotion of and Governor Punjab
different stalls of exhibition, International Trade visited ZTBL Sardar Latif Khosa attended
meeting with VC & Address to H.O Islamabad and meet as a chief guest.
International Seminar on value Muhammad Zaka Ashraf President Dated: 07-03-2011
Addition Concerns, by ZTBL.
President ZTBL Dated: 16-03-2011
Dated: 18-03-2011

A Sudanese delegation led by A delegation of Chinese Company On the 3rd anniversary of

H.E Mr. Muhammad Omar M/s Shaanxi Xintong Intelligent Shaheed Mohtarma Benazir
Musa the ambassador of Sudan demonstrated the working of solar Bhutto ZTBL Officer
visited ZTBL to attend a energy pump, Sprinkle and Drip Association and Peoples
meeting with Mr. Muhammad Irrigation system at village Mann Worker Union held dua and
Zaka Ashraf, President, ZTBL near Kasur. Fateha Ceremony in ZTBL
and other Senior Executives of Dated: 22-01-2011 HO, Islamabad.
the Bank. Dated: 27-12-2010
Dated: 02-03-2011
President ZTBL visit the KSSL Board of Director meeting Pakistan Women's Cricket
Hyderabad Zone (19-24 Chair by Muhammad Zaka Ashraf team at 16th Asian games
December 2010) and meet the President ZTBL at Hyderabad. includes nine playing
press on 24-12-2010. members from ZTBL cricket
Dated: 23-12-2010. XI.
Dated: 20-11-2010

Chinese company Chaguang A Malaysian delegation led by H.E High level USAID delegation
Electronic keen to introduce Dato Ahmad Anwar Bin Adnan led by Ambassador Robin
and provide LED lights and visited Raphel visited ZTBL HO,
solar technology in Pakistan. ZTBL to attend a meeting with Mr. Islamabad.
Dated: 12-11-2010 Muhammad Zaka Ashraf, President. Dated: 30-09-2010
Dated: 07-10-2010

President ZTBL Zaka Ashraf in Signing Ceremony between ZTBL

a simple ceremony formally and Chinese Company M/S YTO at
handed over the relief goods ZTBL HO, Islamabad
containing food items & non- Dated: 27-09-2010
food items.
Dated: 27-09-2010
 ZTBL Objective
 
Restructuring plan under RFSDP

To operate on commercial lines to expand

its outreach, the Bank is under going a

process of organizational, financial and

functional restructuring
ZTBL HR Strategy
Bank to look at activities it performs and

attach economic value to undertake the

activity commercially.

Ensure the Bank’s financial and human

capital is rightly deployed

As strategy Bank should use “excessively

outsource” as medium to add flexibility to

its use of Human Resource

To ensure that non-business/support

function have just the right staff

complement
Formatting Of KSS
1st meeting of Human Resource

Management Committee of the Board held

on November 10th, 2005 approved the

proposal to outsource non core services of

the Bank and formation of Bank’s

Subsidiary to provide different kind of

support services

Formation of the Bank’s subsidiary KSSL

subsequently endorsed in 20th meeting of

ZTBL Board held on November 16, 2005.

The Security Exchange Commission of

Pakistan allowed incorporation of KSSL, a

Subsidiary of the Bank

Appointment of MD
1st Meeting of the BOD of KSSL held on

04.03.2006 approved appointment of

CEO/MD of the company

Financially Viability
Established purely for strategic and

administrative reasons by exercising

control on related work force and

maintaining prescribed service quality

standard

Transfer of approved share capital of

Rs.100 Million to KSSL

Decided that all day to day expenditure of

the Company shall be paid by the ZTBL

 through an inter Company Account

Radio Pakistan

Scheme's Brochures
Crops Cultivation Guide
 S.No. Title Language Type Size

Raising Goats and Sheep in   569

1 Pakistan Urdu KB
Support and cultivation guide for   586
2 Peanuts Urdu KB
  510
3 Fooder Preserving guide- Silage Urdu KB
Support and cultivation guide for   448
4 Sesame Seeds Urdu KB
Support and cultivation guide for   384
5 Lentil pulse Urdu KB
 Support and cultivation guide of   515
6 Sunflower Urdu KB
Support and cultivation guide of   2.20
7 Canola and Brassica Urdu MB
Support and cultivation guide of   410
8 Wheat Urdu KB
Support and plantation guide for   171
9 Tea Urdu KB
Support and cultivation guide for   1.43
10 chick peas Urdu MB

Scheme's Brochures
 S.No. Brochure Title Language Type Size

 409
1  Sada Bahar Scheme Urdu KB
 2.22
2  KSB Zarai Turbine User Guide Urdu MB
 560
3  Sairab Pakistan Scheme Urdu KB
 White Revolution Scheme- ZTBL
and Nestlé Pakistan Ltd.  636
4 Collaboration Urdu KB
 683
5  White Revolution Scheme Urdu KB
  517
6 Loan Scheme for poultry Urdu KB
  191
7 Loan through one window operation Urdu KB
 1.57
8 ZTBL Loan FAQs Urdu MB
 Total Zones: 31 Total Branches: 355
SR TELEPHONE
ZONE BRANCH ADDRESS
# #
PUNJAB
ZTBL, ISLAMABAD
BRANCH, BLOCK 7/F,
1 Islamabad ISLAMABAD 051-9252022
OFFICERS COLONY,
G-7/2, ISLAMABAD
ZTBL, HEAD OFFICE,
Total Br = 13 HO BRANCH 1-FAISAL AVENUE, 051-9252782
ISLAMABAD
D-109 NEAR MAIN
ATTOCK BAZAR, ATTOCK 057-9316145
CITY
NEAR GOVT. HIGH
PINDIGHEB 0572-352508
SCHOOL, PINDIGHEB
NEAR ISLAMIA HIGH
SCHOOL,
JHELUM 0544-625703
KATCHERY ROAD,
JHELUM
KASHMIR POINT,
MURREE OPP. GOVERNOR 051-3410463
HOUSE, MURREE
OPP. TEHSIL
KAHUTA 051-3312603
HOSPITAL, KAHUTA
NEAR OLD LARI
TALAGANG ADDA, MIANWALI 0543-412021
ROAD, TALAGANG
JHELUM ROAD,
CHAKWAL 0543-544009
CHAKWAL
MOHALLAH
JAND 0572-621059
GHOUSIA, JAND
G.T. ROAD NEAR
GUJAR KHAN BUS STAND, GUJAR 051-3511317
KHAN
HAIDERY CHOWK,
RAWALPINDI SATELLITE TOWN, 051-4427794
RAWALPINDI
NEAR ALMAS
MEDICAL CENTRE,
FATEHJANG 0572-212582
ATTOCK ROAD,
FATEHJANG
Thana Road, Ali pur
2 Gujranwala Alipur Chatha 055-6332375
Chatha.
 Total Br = 11 Gujranwala D.C.Road Gujranwala. 055-9200206
Alipur Road
Gujrat Near,Usmania 053-9260417
Plaza,Gujrat
330-B, ADS-I Housing
Hafizabad 0547-524919
Colony
Near Madina Hotel,
Kamoke 055-6811891
G.T.Road Kamoke.
Lala Musa G.T.Road Lala Musa 053-7515001
Tatley Road , Noshera
Noshera virkan 055-6760421
Virkan
Dinga Road ,Pindi
Pindi Sultanpur Sultanpur,Tehsil 053-7611117
Kharian.
Civil Hospital chowk
Qila Deedar Singh 055-4710018
,Qila Deedar Singh.
Wahndo Ghala Mandi, Wahndo . 055-6798115
Dhaunkal Road,
Wazirabad 055-6601449
Wazirabad.
3 Sialkot Daska Circular Road, Daska. 052-9200040
Pak pura Kutchery Road
Total Br = 7 Sialkot 052-4292542
Sialkot
Kotli Loharan Mashrqi
Kotli Loharan 052-3530272
near PTCL Exchange
Model Town, Civil
Pasrur 055-6441876
Hospital Road , Pasrur.
Gujranwala Road
Satrah 055-6280344
Satrah.
Narowal Circular Road Narowal. 054-2412871
Shakargarh Zia Road , Shakar garh. 054-2450922
Near New Khan Petrol
4 Lahore Chung Pump, Main Multan 0423-7511219
Road Chung
Bhatta Chowk, College
Total Br = 21 Kasur 049-9250174
Road, Kasur
Depalpur Road,
Khuddian 049-2791195
Khuddian
Sabzi Mandi, K.R.
K. R. Kishen 049-2382304
Kishen
Muhala Talab Wala,
Chunian Opp Veternary Hospital, 049-4310019
Chunian
Depalpur Road, Ellah
Kanganpur 049-4751303
Abad, Kanganpur
 Main Multan Road,
Pattoki 049-4420055
Pattoki
Near Malik Taj Din
Ferozewala Building, Shahdara, 0423-7933668
Lahore
Main
Manawala Faisalabad/Sheikhupura 056-3771054
Road, Manawala.
Rafiqabad Narang
Narang Mandi 056-2410117
Mandi
Near General Buss
Nankana Sahib 056-2874744
Stand, Nankana Sahib
Maher Balocha Road,
Sangla Hill Near Post Office, 056-3703056
Sangla Hill
New Hospital Road,
Sharaqpur 056-2591022
Shraqpur Shariff
Near Tehsil Office,
Muridke 0423-7981745
Bangla Road, Muridke.
Main G. T. Road,
Khanqa Dogran Muhallah Islampur, 056-3726331
Khanqa Dogran
Madina Colony,
More Khunda Jaranwala Road, More 056-2442473
Khunda
Malik Anwar Road,
Sheikhupura Civil Lines, 056-9200091
Sheikhupura
Model Br. 47-C, The Mall, Lahore. 0423-7312297
27-C, Old Army Officer
Lahore Cantt. Colony, Zarar Shaheed 0423-6662393
Road, Lahore.
Opp. Town Committee
Phoolnagar Office, Lumbey Jaggir 049-4510501
Road, Phoolnagar
Main Jaranwala Road,
Syed Wala 056-2722112
Syed Wala
61-A, Abdali Road,
5 Multan MULTAN. 061-9200509
Multan
Vehari Road,
Total Br = 8 M. RASHEED 061-4592210
Makhdoom Rasheed
Jalalpur Pirwalal Road,
SHUJABAD 061-4396336
Shujabad
JALALPUR Khan Baila Road, 061-4210202
 Jalalpur Pirwala
Shahab Centre,
BASTI MALOOK 061-4250125
Bahawalpur Road
Near Super Chowk,
LODHRAN 0608-9200039
Lodhran
Basti Malook Road,
DUNYAPUR 0608-305279
Dunyapur
Lodhran Road, Kehror
K. PACCA 0608-342624
Pacca
Allama Iqbal
6 R. Y. Khan Rahim yar Khan Town,Church Road 068-9230050
Rahim yar Khan
H.No181/182,Model
Total Br = 7 Khan Pur Katora Town-A Khan Pur 068-5573079
Katora
Mehar Abad Shemla
Sadiq Abad Point,Nehar Kinara 068-5703546
Sadiq Abad
H.No. 4/B-1,Town
Liaquat Pur Committee, Housing 068-5795309
Scheme,Liaquat pur
Main KLP, Road Sanjar
Sanjar Pur 068-5780016
pur
Mian Wali Main KLP,Road Mian
068-5565160
Qureshian Wali Qureshian
Mouza Muhammad
Zahir Pir Khan, Main KLP 068-5563030
Road,Chock Zahirpir,
KATCHERY ROAD,
7 Sargodha SARGODHA 048-9230491
SARGODHA.
MAIN LAHORE
Total Br = 17 BHAGTANWALA ROAD, 048-3780041
BHAGTANWALA
REHMANPURA, LARI
SILLANWALI ADDA ROAD, 048-6532087
SILLANWALI.
OPP. SHELL PETROL
SAHIWAL TOWN PUMP, JHANG ROAD, 048-6786061
SAHIWAL
286, BLOCK NO.1
BHALWAL SATELLITE TOWN, 048-6642873
BHALWAL
BHERA NEAR ISLAMIA 048-6691486
MODEL HIGH
 SCHOOL, BHERA
MOHALLAH
KHAWAJABAD,
KOT MOMIN 048-6682051
BHALWAL RD, KOT
MOMIN
NEAR POLICE
STATION, KHUSHAB
SHAHPUR 048-6310530
ROAD SHAHPUR
SADAR
KOTHI NO.3, BLOCK
JAUHARABAD 0454-920255
NO.1, JAUHARABAD.
NEAR REVENUE
NOORPUR THAL OFFICE, NOORPUR 0454-850842
THAL
MOHALLAH
KANIANWALA, POST
MALAKWAL 0546-591339
OFFICE ROAD,
MALAKWAL
NEAR HALLIAN
PHALIA CHONGI, GUJRAT 0546-596069
ROAD, PHALIA
SUTSIRA CHOWK,
M.B.DIN MANDI BAHA-UD- 0546-500562
DIN.
M.B.DIN - KHARIAN
CHALLIANWAL
ROAD, 0546-590299
A
CHALLIANWALA.
RAILWAY ROAD,
P.D.KHAN 0544-210262
PIND DADAN KHAN.
NEAR AQIL GATE,
PINDI BHATTIAN LAHORE ROAD, 054-7531484
PINDI BHATTIAN.
MAIN ROAD GOJRA,
GOJRA DISTRICT Mandi 0546-588339
Bahauddin
150-A-O Block
8 Vehari Vehari 067-3362408
Danewal
Total Br = 11 Mailsi Ward No.3, Multan Rd. 067-3410341
House No.25,26,27
Burewala Gulshan-e-Rehman 067-9200068
Town
Ward No.4 Qutabpur
T.S.Pur 067-3692077
Rd.
Karampur Mailsi Rd. 067-3696029
 Hasilpur Rd.,Ludden
Ludden 067-3691136
Tehsil
House No.25, St.No.1,
Khanewal Block-W, Peoples 065-9200083
Colony
Kabirwala Jhang Rd.Kabirwala 065-2410619
Multan Rd., Abdul
Abdul Hakim Hakim, Tehsil 065-2441056
Kabirwala
ZTBL Mian Channu GT
Mian Channu 065-2664870
Road Mian Channu.
Opp.Govt.Degree
Jhanian College for Boys, 065-2210878
Jahanian .
9 Sahiwal Arifwala Fausal Town 457832739
Adda Bunga Hayat
Total Br = 9 Bunga Hayat 457520107
Pakpattan Road
Chichawatni 6-E Housing colony 405485549
Kassowal Zameer colony GT road 405410496
Noor Shah Faisal Abad Road 404469133
Adda Noor pur
Noorpur 404018025
Pakpattan Road
Pakpattan 10-8 Green Town 457372187
Qaboola Qaboola By pass 457851915
Sahiwal 915-D Farid Town 409200424
10 Okara Okara 27-C Lala zar Colony 449200126
Total Br = 7 Depalpur Khalil abad colony 444540988
Haveli lakha Dehli Multan Road 444775772
Basirpur Committee Road 444771189
Gogera Faisal Abad Road 442662030
6-B Low incom
Renala Khurd 442621212
Housing scheme
Nol Plot Post Office, 12/GD 0442010810
Chiniot Road, Chak
11 Faisalabad Chak Jhumra 041-8763407
Jhumra
Jail Road, Opp. Punjab
Total Br = 13 Faisalabad Medical  041-9210008
College, Faisalabad.
Gojra Samundri Road, Gojra 046-9200096
Faisalabad Road,
Jaranwala 041-4310584
Jaranwala
Mal Fatiana Road,
Kamalia 0463-411525
Kamalia.
 Lakar Mandi,
Mamunkanjan 041-3431791
Mamunkanjan.
Pir Mahal Gala Mandi, Pir Mahal. 0463-360301
Canal Road, Rajana
Rajana Town 0462-262744
Town.
Main Faisalabad Road,
Samundri 041-3422395
Samundri.
School Road,
Sandhilianwali 0463-522048
Sandhilianwali.
Tadlianwala Road,
Satiana 041-4600131
Satiana
House No.17 St.No.102
T.T. Singh Housing Colony No.1, 0462-510712
T.T.Singh
Main Road,
Tandlianwala 041-3441907
Tandlianwala
12 Jhang Jhang Ayub Chowk Jhang. 047-9200039
Mandi Shah Jewana
Total Br = 10 Shah Jewana 0477-641270
Road, Shah Jewana.
Bhakkar Road, 18-
Athara Hazari 0477-645209
Hazari.
Cantt Road, Shorkot
Shorkot 0475-310584
city.
Faisalabad Road,
Chiniot 0476-332811
Chiniot.
Garh Marharaja Garh Mor G.M. Raja. 0475-320578
Old Bus Stand Chiniot
Bhawana 0476-201039
Road, Bhowana.
Mandi Town near Jhang
Bhakkar 0453-9200437
Moore, Bhakkar.
Near Housing Colony,
Kalurkot 0453-200904
Kalurkot.
Mohallah Khiaran Wali,
Mankera 0453-410055
Jhang Road, Mankera.
13 Muzaffargarh Layyah TDA Colony Layyah 0606-412570
Total Br = 11 Choubara Jhang Road Choubara 0606-440144
Layyah Road Karor Lal
Karor Lal Easan 0606-810574
Easan
Muzaffargarh Jail Road Muzaffargarh 066-9200207
Khan Garh Ali Pur Road Khangarh 066-2610486
Circular Road, Near
Ali Pur 066-2700140
Fateh Pur Gate Ali Pur
Shahersultan Jatoi Road Shahersultan 066-2620055
 Jatoi Permet Road Jatoi 066-2591170
Kot Adu G.T.Road Kot Adu 066-2242934
Sanawan G.T.Road Sanawan 066-2250028
M.M.Road Chowk
Chowk Munda 066-2210175
Munda
Multan Road,opposite
14 D.G.KHAN D.G.KHAN khayyaban-e- 064-9260419
sarwar,D.G.Khan
College Road,near
Total Br = 6 TAUNSA SHARIF Hashim chowk,Taunsa 064-2602451
Sharif
Indus Highway,Araien
KOT CHUTTA 064-2843551
Market,kot chutta
Indus Highway,Juggan
RAJAN PUR 0604-688698
khan Market,Rajan pur
Indus Highway,near
JAM PUR boys degree college,Jam 0604-567464
Pur
Near Police
ROJHAN 0604-610044
Station,Rojhan
Kachari Road,
15 Bahawalpur Ahmedpur East 062-277820
Ahmedpur East
Main Ahmedpur Road,
Total Br = 8 Bahawalpur 062-9255303
Bahawalpur.
Chishtian Highway
Hasilpur Road, Mehmood 062-2442582
Colony, Hasilpur.
Near Green Market,
Head Rajkan 062-2781666
Head Rajkan
Mouza Ghnipur,
Khairpur Tamewali 062-2261590
Khairpur Tamewali
Ganwar Shah Road,
Noorpur Nouranga Khanqah Sharif, Distt: 062-2790077
Bahawalpur
Main Ahmedpur Road,
Uch Sharif 062-2551307
Sami Town, Uch Sharif.
Lower Income Housing
Yazman 062-2702733
Scheme, Yazman.
Kamboh House Degree
Bahawalnaga
16 Bahawalnagar College Road, 063-2274443
r
Bahawalnagar.
House No.39/GI,
Total Br = 5 Chishtian Balidia Colony, 062-2502940
Chishtian
 Pakpattin Sharif Road,
Minchinabad near A.C.Office, 063-2750331
Minchinabad.
Fortabbas Marot Road Fortabbas. 063-2510967
Bahawalnagar Road,
Haroonabad 063-2250941
Haroonabad.
SINDH
St.4/3, Block No.1,
Model Branch, Scheme No.36,
17 Karachi. 0213-34613618
Gulistan-e-Johar Gulistan-e-Johar,
Karachi.
Shafi Court Building,
Karachi Branch, Merewether Road, Near
Total Br = 15 0213-99206006
Shafi Court Metropol Hotel,
Karachi.
Fish Harbour Naghani Chamber, West
0213-32315339
Branch. Wharf Road, Karachi.
679-B, Bhittai Colony,
Ibrahim Hyderi Ibrahim Hyderi Road,
0213-35120584
Branch. Korangi Crossing,
Karachi.
Murad Memon Goth,
Memon Goth
Memon Goth Town, 0213-34560239
Branch.
Malir Karachi.
Deh Tore, Near Baqai
Deh Tore (Gadap) Medical University,
0213-37613037
Branch. Gadap Town, Super
Highway, Karachi.
Main National
Highway, Near National
Thatta Branch. Bank Of Pakistan, 0298-923024
Thatta Branch, District
Thatta.
Mirpur Sakro Mirpur Sakro Town,
0298-775016
Branch. District Thatta.
Post Office Vur Town,
Vur Branch. 0298-774037
District Thatta.
Raj Malak Road, Near
Jati Branch. Drainage Office, Jati 0298-777044
Town, District Thatta.
Shah Aqiq Road, Post
Office Chohar Jamali,
Chouhar Jamali. 0298-778076
Taluka Shah Bunder,
District Thatta.
Sujawal Branch. Near Qasmi Petrol 0298-510074
 Pump, Wapda Office,
Sujawal Town, District
Thatta.
Near Union Council
Mirpur Bathoro Office, Mirpur Bathoro
0298-779216
Branch. Town, District Thatta,
Postal Code 73030.
Near Sher Ali Patrol
Hub Chowki Pump, Mooza Tathra,
0853-363474
Branch. Hub City, District
Lasbela.
Lasbela University,
Uthal Branch. 0853-610761
Uthal.
Banglow No 6-A, Unit
18 Hyderabad Hyderabad 022-9260058
No.7 Latifabad
Total Br = 14 Tando Jam Mir Colony Tando Jam 0222-765968
Main Rd. Opp. Govt.
Matiari 0222-760285
Boys High School
Hala National High way Rd. 022-3332142
Plot No.14, Zardari
Tando Allah Yar Colony Main Tando 0223-891383
Adam Road
Station Rd. Near
Tando M.Khan 022-3341356
Masjid-e-Aqsa
Aeroplane Chowk Main
Sehwan Sharif 025-4620363
Road Hyderabad.
Kotri Darya Road, Kotri 022-3874230
Al Aman Hotel,Near
Badin 0297-861291
Bus Stand
Talhar Tando Bago Rd. 0297-830233
Matli Hyderabad- Badin Rd 0297-840265
Ward No. 2,Girls High
Golarchi 0297-853116
School Rd.
Hyderabad Road near
Tando Bhago 0297-854020
Girls High School.
Tando Ghulam Ali Shahi Bazar Rd. 0297-851091
Bunglow No. 1-A/2
19 Nawabshah Nawabshah. Housing Society 0244-9370115
Nawabshah
Total Br = 14 Dour Bandhi Road Dour 0244-325224
Muhalla Azim Colony,
Sakrand. 0244-322714
Main Road Sakrand
National Highway Qazi
Qazi Ahmed 0244-321284
Ahmed
 Doulatpur Main Road Doulatpur 0244-320678
Near Session Court
Moro 0242-410626
Main Road Moro
Opposite Wapda Colony
Naushehro Feroze 0242-448883
Naushehro Feroze
Bhiria Chowk Main
Bhiriacity 0242-432232
Road Bhiriacity
Taluka Hospital Road
Kandiaro 0242-449576
Kandiaro
Mallah Muhallah
Mehrabpur 0242-430505
Mehrabpur
Dadu Shahani Muhalla Dadu 025-9200311
Johi Wahi Pandhi Road Johi 025-4740258
Near Hotel Usman
Bhan Saeedabad Solangi Bhan 025-4660389
Saeedabad
Near Bunglow Asif
Seeta Road Khan leghari Seeta 025-4760088
Road
Akhound Muhalla Ghari
20 Larkana MEHAR 0254730293
Road Mehar.
Near Mukhtiarkar
Total Br = 18 K.N.SHAH 0254720295
Office Road K.N.Shah
RADHAN Shahi Bazar Radhan. 0254750236
Near Saheed Allah Bux
JACOBABAD park Quatta Raod 0722653464
Jacobabad
THULL Kandhkot Road Thull. 0722610269
Old Anaj Mandi
SHAHDADKOT 0744012788
Shahdadkot
KAMBER Larkana Road Kamber 0744210545
Gaji Khuhawar Road
WARAH 0744060230
Warah
MIROKHAN Main Road Mirokhan. 0744049320
Near Main Bazar
KANDHKOT 0722573252
Kandhkot
Soomra Muhalla
KASHMORE 0722576613
Kashmore.
DOKRI Moenjodaro Road Dokri 07454080296
Shaheed Benazir Bhutto
LARKANA Building VIP Road 0749410826
Larkana
Opposite Govt.High
NAUDERO 0744047491
School Nuadero.
 KHANPUR Main Road Khanpur 0726571025
S.P OFFICE ROAD
SHIKARPUR 0726920166
SHIKARPUR.
MARKET ROAD
GARHI YASIN 0726572041
GARHI YASIN
Opposite Govt.Grils
LAKHI 0726573035
High School Lakhi
Near Chandni Chowk,
21 Mirpurkhas Mirpurkhas Mirwaha Road 0233-9290192
Mirpurkhas
Main Khipro sindhri
Total Br = 14 Hingorno 02355-22026
Road Hingorno
Ward No.5 Gharibabad,
Digri 0233-869642
Digri
Kot Ghulam Near Hashmi Masjid,
0233-866431
Muhammad K.G.Muhammad
Gulistan Saleem Near
Umerkot Rohal Bus stand 0238-571230
Umerkot
Samaro Kunri Road Samaro 0238-551040
Opposite Akri Jama
Pithoro 0238-541556
Masjid Pithoro
Shoukat Manzil, Diplo
Mithi 0232-261320
Road Mithi
Near Police Head
Sanghar Quarter, Hyderabad 0235-542032
Road Sanghar
Rural health centre
Kandiari 0235-521101
Kandiari
Near Hala Chowk,
Shahdadpur 0235-841239
Shahdadpur
Sinjhoro Sanghar Road Sinjhoro 0235-531116
Khandoo Road Opp.
Tando Adam Civil Court Tando 0235-574328
Adam
Near Police Station,
Khipro Taluka office Road 0235-879237
Khipro
22 Sukkur Dharaki G.T Road Ghotki 0723-642577
Total Br = 15 Pacca Chang Garibabad Mohallah a 0243-557020
Gambat Station R oa d. 0243-640970
Shahi Bazar, Agra
Agra Town 0243-780076
Town
Ghotki Shanti Nagar 0723-681302
 Rahomowali Rd.
Khairpur Katchery Road Khairpur 0243-9280096
Kingri Near Dargah Pir jo Goth 243-610110
Main R oa d.Kot
Kot Digi 0243-556359
Bunglow
Near Sardar Rahim Bux
Mirpur Mathelo Bozdar Bunglow 0723-651680
M.Mathelo
Near DDO, Revenue
Thari Mirwah 0243-790268
Office
Near Mujahid Petrol
Chandiko(Nara) 0243-559045
Pump , Main Chowk
Near Mukhtarkar
Pano Aqil 071-5690547
Office, Pano Akil
Main Stand, New
Sohbo Dero 0243-750216
Evershine School
Sukkur Minara Road, Sukkur 071-9310303
Ubauro Near Shah Petrol Pump 0723-688429
KHYBER PAKHTUN KAWAH
G.T.Road, Chughal
23 Peshawar Peshawar 091-2262279
Pura, Peshawar
Scheme Chowk, Inqilab
Total Br = 20 Badaber Road, Badaber, 091-2324815
Peshawar
Bara Gate, Bara
Bara 091-5253433
Road,Peshawar
Club Road, Nowshera
Nowshera 0923-9220037
Cantt.
Mardan Road,
Charsadda 091-9220112
Charsadda
College Road Near
Tangi 091-6555263
Police Station, Tangi
Matta Road, Near GPO,
Shabqadar 091-6281497
Shabqadar
Cantt. Colony, Opp.
Mardan G.P.O, the Mall Road, 0937-866404
Mardan
Rustam Main Bazar, Rustam 0937-800183
Malakand Road,
Shergarh Shergarh, Near Police 0937-820353
Station
Inzergai, Mardan Road,
Katlang 0937-575367
Katlang
Takhtbhai Floor Mill Road, 0937-552002
 Takhtbhai
Jehangira Road, Jamal
Swabi 0938-221244
Abad, Swabi
Jehangira Road, Opp.
Lahore Chota Tehsil Office, Lahore 0938-300065
Chota
House No.13, Sector-
Kohat 0922-513743
IV, KDA Gate-2, Kohat
Main High Way, Opp.
Karak Ghalnai CNG, Tangori 0927-210549
Chowk, Karak
Opposite Police Station,
B.D.Shah 0927-333540
Bannu Road, B.D.Shah
Opp. Hangu Public
School & College, Main
Hangu 0925-621093
Hangu Tall Road,
Hangu
Manan Market, Near
Sadda UBL, Parachinar Road, 0926-520509
Sadda
Opposite Zanana
Parachinar 0926-310658
Hospital, Parachinar
Near Regal Cinema,
24 D.I.Khan Bannu Miranshah Road, 0928-622188
Bannu.
Total Br = 11 D.I.Khan Prova Adda, D.I.Khan. 0966-718225
Muhammad Din
Domail Market, Kohat Road, 0928-653515
Main Bazar Domail.
Al-Assad Market,
Essakhel Mianwali Road, 0459-285020
Essakhel.
Inside Sheikhi Gate
Kulachi 0966-760363
Kulachi.
Mohallah Haqdad Abad
Lakki Marwat near Bus Stand, Lakki 0969-510586
Marwat.
Mianwali PAF Road, Mianwali. 0459-920091
Rangpur Road,
Paharpur 0966-775341
Paharpur.
Opposite Grain Market,
Piplan 0459-201128
Liaqat Abad, Piplan.
Serai Naurang D.I.Khan Road 0969-352261
Opposite Police Graond,
 Serai Naurang.
Hassan Market near
Tank Degree College(Male), 0963-512558
Tank.
25 Mingora Batkhela Nera PESCO, Batkhela 0932-411792
College Colony, Saidu
Total Br = 15 Mingora 0946-9240183
Sharif, Swat.
Daggar Main Bazar Daggar 0939-555466
Balambat Road, uposit
Timergara Tablighi Markaz, 0945-9250117
Timergara.
Chakdara G.T. Road, Chakdara. 0945-761178
Near Scout Cant, Khar
Khar 0942-220903
Bajaur Agency.
Main Besham Road,
Alpurai 0996-850034
Alpurai.
Dargai G.T. Road Dargai 0932-332043
Dir G.T. Road, Dir. 0944-880822
Matta Near Bus Stand, Matta 0946-790095
Behrain Main Bazar Behrain 0946-780127
Governor Cottage Road,
Chitral 0943-412624
Chitral
Warijune G.T. Road, Warijun 0943-474014
Booni Main Bazar Booni 0943-470032
Drosh Main Bazar Drosh 0943-480208
PMA Kakul Road,
26 Abbottabad Abbottabad 0992-9310152
Abbottabad
Shakar Shah Road,
Total Br = 7 Haripur 0995-610835
Haripur
Bedra Chowk, Main
Mansehra Shahrah-Resham, 0997-305069
Mansehra
Oghi Kutchehry Road, Oghi. 0997-320106
Balakot Main Bazar, Balakot 0997-500329
Main Karakuram
Battagram 0997-310073
Highway, Battagram
Dassu Kumela Bazar, Dassu. 0998-407105
GILGIT - BALTISTAN
Gilgit- SADAR BAZAR,
27 GILGIT 5811920766
Baltistan GILGIT
YADGAR, CHOKE
Total Br = 7 SKARDU 5815920268
SKARDU
GAHKUCH MAIN ROAD 5814921020
 GAHKUCH
MAIN ROAD
ALIABAD 5813920804
ALIABAD
NEAR P.W.D OFFICE
ASTORE 5817920289
ASTORE
MAIN BAZAR
KHAPLU DANIYAL SHAHID 5816920244
RD, KHAPLU
NEAR DC.OFFICE
CHILAS 5812920138
CHILAS
AZAD KASHMIR
Muzaffaraba Bank Squire Lower
28 Muzaffarabad 05822-921054
d Chatter Muzaffarabad
Main Bazar Hattian
Total Br = 10 Hattian 05822-922636
(AK)
Sudhan Gali Road Bagh
Bagh 05823-920039
(A.K)
Main Bazar Haveli
Haveli 05823-921773
Kahuta(AK)
Katchehry Chowk Near
Rawalakot District Courts 05824-920070
Rawalakot(AK)
Kotli Chowk
Sudhnoti Sudhnoti(Pallandri) 05825-920079
(AK)
Kotli Road Main Bazar
Sehnsa 05826-923066
Sehnsa(AK)
Housing Scheme Kotli
Kotli 05826-920234
(AK)
House No-122/K Sector
Mirpur 05827-920426
F/2 Mirpur(AK)`
Gujrat Road Bhimber
Bhimber 05828-920507
(AK)
BALUCHISTAN
ZTBL, Banglow
29 QUETTA QUETTA No.446-C, Staff College 081-9202939
Road, Quetta Cantt:.
ZTBL, Near WAPDA
Total Br = 18 DALBANDIN 0825-210244
House, Dalbandin.
ZTBL, Mohalla Jala
HARNAI 0833-520042
abad, Harnai.
ZTBL, Main Bazzar,
ZIARAT 0833-560256
Quetta Road, Ziarat.
KOHLU ZTBL, Afzal Plaza, 0829-667261
 Saddar Bazzar, Kohlu.
ZTBL, Tehsil Road,
LORALAI 0824-411084
Loralai.
ZTBL, Quetta Road,
DUKI 0824-666360
Duki.
ZTBL, Main Bazzar,
K.SAIFULLAH 0823-610530
Killa Saifullah.
ZTBL, band Road,
PISHIN 0826-420100
Pishin.
ZTBL, Near Al-Falah
MASTUNG 0843-895330
Masjid, Mastung.
ZTBL, RCD Road,
KHUZDAR 0848-412532
Khuzdar.
ZTBL, Civil Hospital
KHARAN 0847-510267
Road, Kharan.
ZTBL, Baboo
ZHOB 0822-412883
Mohallah, Zhob.
ZTBL, Near Govt: Girls
NUSHKI 0825-872984
High School, Nushki.
ZTBL, Rakhni Sibi
BARKHAN 0829-668522
Road, Barkhan.
ZTBL, Station Road,
MUSLIM BAGH 0823-669415
Muslim Bagh.
ZTBL, Town Road,
KALAT 0844-210903
Kalat.
ZTBL, Main RCD
WADH 0848-500086
Road, Wadh.
30 D.M.Jamali Sibi Jinnah Road Sibi 0833-412866
Total Br = 7 D.M.Jamali D.C.Road D.M.Jamali 0838-710445
Jhatpat Quetta Road D.A.Yar 0838-510452
Ali Abad Road Usta
Usta Muhammad 0838-613930
Muhammad
Quetta Road Rind Ali
Dhadar 0832-415793
(Dhadar)
Bhag Tehsil Road Bhag 0832-400428
Near Police Station
Sohbatpur 0838-603230
Sohbatpur
Degree College Road,
31 Turbat Turbat Near B&R Colony, 0852-412147
Turbat
Fish Harbour Road,
Total Br = 6 Gwadar Near GPA Complex, 0864-210094
Gwadar
Pasni Opp. Riaz Petroleum 0863-210508
 Service, Main Road,
Pasni
Near Wapda Power
Panjgur 0855-641299
House, Citkaim, Panjgur
Tump Main Bazzar, Tump. 0852-310067
Har Bazar, Main Road,
Awaran 0856-511040
Awaran.

External Links | Disclaimer © Zarai Taraqiati Bank Limited Pakistan,

2009, All rights reserved.