53443177-ztbl
TRANSCRIPT
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.
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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.
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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
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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.
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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 Project
Special Programme for Food Security and Productivity Enhancement of Small Farmers (Crop Maximization Project-Il)
Operational Jurisdication:
All over Pakistan in 28 Districts & 842 Villages as per annexure-I.
Sponsoring: Government of Pakistan .
Profit paidon MINFA special saving account:
ZTBL will pay profit at minimum rate of 7.5% per annum to be calculated on daily product basis on 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 farmer saving account:
All member farmers will open Saving Account in same branch of the Bank where VOs account is maintained.
Disbursement (lend money to its members)
VO will lend money to its members for purchase of input for production of crop at 10% handling charges 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:
Loan proposal of VO level will be prepared by VOs Accountant with 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 Required:
While issuing the Cheque/loan 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 Villages
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 Abad(Nawabshah)
30
Naushehro Feroz 25
Khairpur 25
Sub-total: 167
Khayber Pkhtunkhwa
D.I.Khan 25
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 Jurisdiction:
All branches of the Bank throughout the 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 limit Insured :
Rs. 500,000 in an individual case.
Sum insured: Production loan for agreed crops of each season (Rabi & Kharif) for which premium is
paid.
Crops covered:
Wheat, Cotton, Sugarcane, Rice & Maize
Perils covered: Excessive rain, Flood, Drought, Hailstorm, Frost, Locust attack and Insect attack.
Period of Insurance:
From the date of sowing/transplantation to 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.No.
Zone Name
District Branch Model Villages
1
Islamabad Rawal Pindi
Rawal Pindi
Ghazi Kholi
2 Lahore Lahore Chung Kamas
3
Sargodha SargodhaBhalwal
Chak No.16-SB
4M.B.Din Chaillianw
alaChaillianwala
5M.B.Din Chaillianw
alaChak Jani
6
Faisalabad FaisalabadFaisalabad
Chak # 32-JB
7
Gujranwala
Gujranwala Wazirabad
Kot Inayat Khan
8 Sahiwal Sahiwal Sahiwal 92/6-R
9
Vehari Vehari Tibba Sultanpur
Durpur
10
Multan Multan Multan Jahangirabad
11
D.G. Khan D.G. Khan D.G. Khan Khakhi Gharbi
12Muzaffargarh
Muzaffargarh
Muzaffargarh Doaba
13
Bahawalpur
Bahawalpur
Bahawalpur
Goth 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
19
Karachi Thatta Mirpur Sakro
Deh Naihki
20
Hyderabad HyderabadTando Jam
Sarang Faqeer
21
Shaheed Benazirbad
Shaheed Benazirbad Sakrand
19-Jalalani
22
Shaheed Benazirbad
Dour Baloo -Ja-Quba
23 Sukkur Sukkur Sukkur Akbarpur
24 Larkana Larkana Larkana Dhamrah
25
Mirpur Khas
Mirpur Khas
Mirpur Khas
Doulatpur
26 Quetta Quetta Quetta Kuchlak
27
D. M. Jamali
Naseerabad
D.M. Jamali
Goth Shafi Muhammad
AGRI. TECHNOLOGIES TO BE DISSEMINATED IN MODEL VILLAGESAgriculture 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 Jurisdiction:
Throughout Pakistan (except Mingora Zone in NWFP, Turbat Zone in Balochistan Province and FANA being un-settled/hilly areas).
Selection of Farmers/ Borrowers:
ZTBL MCOs, Revenue and postal staff meet at selected focal points once a week on each 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 Required:
CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri. Pass Book & 2 Photographs of
borrower.
Maximum Sanction Limit:
Rs.0.2 million per borrower/party.
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. No.
District S. No.
District
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/ Eligibility criteria:
All categories of farmers (owner, owner-cum-
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 Loans:
Production loans upto Rs. 0.500 million would be 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 Documentation
Legal documentation would be executed as per type of security and system to be followed according to standing instructions of the Bank.
Disbursement: The sanctioned loan would be disbursed in cash through current deposit account of the borrower.
Rate of Mark-up
Mark up rate to be charged from the borrower at 8% per 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 Loans to SBP:
Principal amount of loans under the scheme shall have 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 Ties :
Preference is given to new borrowers.
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 deposit/ Equity Contribution:
10% current deposit in lieu of equity contribution is obtained from the borrower which should be maintained during the currency period of the loan.
Sanction Authority :
The Branch Manager sanctions all types of 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 up :
Mark up rate of 9% per annum will remain operative with 1% rebate on timely repayment would be charged.
Utilization/ Monitoring :
The utilization of loan would be checked by 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 Jurisdiction:
All over Pakistan
Selection of Borrowers :
Bank MCO Selects the Borrowers keeping in view the criteria fixed for Sada Bahar Scheme
Delivery Channel:
Branch/KSSL/Supplier
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
Working of Revolving limit:
It will be worked out as per crop wise ceilings fixed and revised from time to time.
Maximum Limit:
Rs.0.500 million per borrower/party.
Loan Disbursement:
Disbursement is made after supply of inputs on the 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 Items:
Inputs i.e. seed, fertilizer and pesticides etc.
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 Borrowers:
All experienced poultry, dairy and fishery farmers who are successfully running Non-farm credit activities.They have clear CIB report.
Documents Required:
Loan Case File
Photocopy of CNIC
Plan of poultry shed
Agricultural Pass Book
Two photographs.
Cost of Credit
Loan Case File-Rs.100/-, IB-7 Agreement, Postal Charges Rs.50/- p.a. Appraisal fee is 1% & Mark up rate is 9% p.a with 1% rebate for timely repayment.
Equity Contribution:
10% of the total amount of working capital.
Tangible Security:
Both movable and immovable property, acceptable as per standing instructions of the Bank.
Maximum Credit Limit
Rs.0.500 Million per borrower/party.
Repayment Schedule:
1. Poultry Working Capital
1. Broiler farming: In two half yearly
installments on 7 th Jan and 7 th July.
ii. 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 experience
20-50 heads
Escalators/expanding with above 5 years experience
80-100 heads
Maximum Loan Limit :
Per sheep/ Goat Rs. 5,000/-
Per Teddy/ Goat Rs. 3,500/-
Per Kid Rs. 1,200/-
Borrower Equity:
10% of the project cost
Recovery Period:
Fattening 6-15 monthsBreeding 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 Jurisdiction:
Throughout Punjab Province
Selection of Borrowers:
M/s Nestlé identifies the borrowers (existing as well as new dairy farmers) to recommend concerned ZTBL Branch through Model Branch Lahore.
Delivery Channel: Nestlé/ ZTBL Branch
Collateral: Tangible Properties
Documents Required:
CNIC Photocopy, Loan Case File, IB-7 Agreement , Agri. Pass Book & 2 Photograph & Building Plan (if dairy structure involves).
Loanable Items/maximum limit:
Dairy
sheds/struct
ure
Local
Buffalo/Cow
As per prescribed ratesUpto Rs. 80,000/- per headUpto Rs.125,000/- per headUpto Rs. 6,000/ per head
Imported
Cow with calf
Working
Capital
Maximum Loan Limit:
Rs.1 million per borrower/party.
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 Animals
Bank arranges insurance of animals through M/s Adamjee Insurance Company Ltd.
Equity Contribution:
10% of the cost of the Project
Disbursement of Loan:
Loans for sheds and working capital will be
disbursed in cash in suitable installments.
Imported cows through Nestlé.
Local Cow/Buffaloes through pay order/DD
in the name of seller.
Allocation of Funds:
For the five years 2007-2011 Rs.5 Billion have been allocated to finance 10,000 animals each year.
Monitoring of Loan:
M/s Nestlé will carry out monitoring of loan to 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 Channel:
PDDC/ZTBL Branch/ Supplier.
Documents Required:
CNIC copy, Loan Case File, Agri. Pass Book & 2 Photographs
Type of Security: Agri Land /other Tangible Security.
Loan Limit: Rs.1.000 Million per borrower/party.
Equity Contribution:
10% of the Project cost
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 Jurisdiction:
All over Pakistan
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 limit:
The revolving credit limit is fixed to cater production/working 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 Jurisdiction:
Throughout AJ&K Area
Selection of Borrowers:
Bank MCO Selects the Borrowers on the recommendation of Department of Agriculture, AJ&K
Delivery Channel :
Branch/Department of Agriculture, AJ&K
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 Credit Limit:
Rs.1.000 million per borrower/party
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 Jurisdiction:
The scheme shall be implemented in the entire area of Azad Jammu & Kashmir through network of ZTBL branches & Azad Kashmir Small Industries Corporation.
Selection of Borrowers:
The borrowers will be selected by AJ&K Small Industries 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 Limit:
Rs.1.000 Million per borrower/party
Repayment/Recovery Period:
a. Poultry Farming – Within 5 years in half yearly
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 machinery
Potato digger
Fruit grader Potato graderGarden waste
chipperPotato planter
M E S C E R O
Pruning equipment
Modern agri machinery implements
S A L U S T I A N A
FLAIL MOWER
Self Propelled rotary hoe
Agro based industries
Solar devices
Irrigation machinery
Stubble shaver
Crops orchard
Tunnels
Cut flower crops
Water reel sprinkler
High tech cheaper Technologies
Yanmar combine harvester
Offset rotavator
Fertilizer spreader
Groundnut thresher
Inter row rotary cultivator
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.
SPECIFICATIONS
Total length: 220 cm Total width:160 - 170 cm Weight: 360 - 380 kg
Dairy Machinery
Self Propelled Fodder Reaper
Milking Machine
Milk Chilling UnitsFarm 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.
SPECIFICATIONS
Grading Disc:Speed variablePower Required:1x
½ HP + 1 x 1/3 HPSizes of Fruits:Stepless adjustableWeight: 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 barMotor: 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.
SPECIFICATIONSDiam. Knife disc:45cmNumber of knifes:2Revolution of knife disc:1800 RPMWeight:250 kgPower 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: 2No. of Hopper: 2Row to Row Distance:AdjustableField Capacity: 2 hours/acre
M E S C E R O
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/MinTank capacity:250 LMax. pressure:18 Bars Normal pressure: 8- 12 Bars Cutting capacity shears: 30-35
Small HP Tractors (14-35 HP)
Combine Harvesters
Seed Processing UnitPotato 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 HarvesterOff Set Rotavator
Orchard Sprayer
Electrodyne Sprayer
Flail Mower
Stubble Shaver
Maize Sheller
S A L U S T I A N A
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 SystemStubble 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: 6Required 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
LemonsTunnels
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/ SecThrow:35 MeterPipe 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-760Engine:Yanmar 4TN100 , Water - cooled , 4 - Cycle , Vertical 4-Cylinder , Diesel EngineEngine output: 76 PS/2600 rpm (75 HP)Grain Handling System:Bagging typeAv. 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 RPMPower 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: 2HPWorking Capacity:300-370/ KG/HourDrum 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 kgFertilizer spreading width: 10mWeight:20 kgPower 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:3Row to Row Distance:AdjustableWorking Width:20" / 50 cm
Credit LimitsOverall 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 16,000Paddy (Rice) 19,000Sugarcane 30,000Cotton 21,000Maize 20,000
Minor Crops:
Potato 36000 Bajra 11000Tobacco 29000 Jawar 11000Mustard Mung 11000 Gram 12000Tomato 19000 Guara 3000Mash 3000 Caster Oil 6000
Lentil 11000 Barlay 9000Groundnut 14000 Berceme 4900Sunflower 15000 Janter 4000Soyabean 12000 Garloc 26000Canola 13000 Turmeric 25000Rape Seed 11000 Ginger 30000Til(Sesame) 12500 Lacern & Shaftal 4500Suger beet 12000
Mature Orchard/Fruits Crops:
Pear 24000 Dates 31000Loquat 24000 Strawberry 25000Plum 33000 Tea 60000Apple 37000 Guava 24000Papaya 22600 Pomegrante 33000Almond 32000 Palm 22000Coconut 21000 Olive Oil 13000Lichi 32000 Walnut 23000Cherry 33000 Persimen 15000Mango 37000 Zizi Phus(Bher) 25000Apricot 31000 Melon 16000Banana 37000 Water Melon 16000Peach 32000 Musk Melon 16000Citrus 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 SecurityImmovable 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 Book
75%
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 scheduled Banks
Upto maximum amount of an un-conditional Bank guarantee after keeping sufficient margin for un-paid mark-up, cost, charges and expenses.
Guarantee issued by Central or Provincial Government
Full amount of loan plus return and other 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 market value which ever is less
Upto 75% of Govt. support
Back to Top
Personal Surety
Against a bond with two sureties under General Credit and one surety in Special Schemes upto Rs.25,000/-
Upto 50% of appraised value of properties of sureties.
Back to Top
Debt Equity RatioFor 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 10% of the loan is to be needed in PLS Account
Within 8 years in monthly/quarterly or half yearly installments to be decided by Manager in consultation with borrower.
3 Used Tractor, Equipments/attachments/implements and used tractor
-do- Within 5 years in monthly/quarterly or half yearly installments to be 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 upto Rs.0.5 Million
25%
Land holding beyond 50 acres/loan amount beyond Rs.0.5 Million upto Rs.1 Million.
30%
Repayment Periods
S.No. Types of Loans Recovery Period
1 Short Term LoansCrop production working capital loans recoverable in lump sum commencing after the harvest/marketing of respective crops and within maximum period of 12 months.
2Medium Term Loans
Dairy farming and livestock etc. In yearly/half yearly/monthly installments and within maximum period of 5 years.
3 Long Term LoansTractor, agricultural machinery, poultry farming, godowns and orchard iIn yearly/half yearly installments within maximum period of 8 years and. above.
Recovery ProcedureRecovery 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.
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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 Number
Rate of down payment as against due installments to be rescheduled
1st 10%2nd 20%3rd 30%
Board of DirectorsSultan Ali ChaudhryChairman Board
Mr. Muhammad Zaka AshrafPresident/ CEO(Brief Resume)
Ms. Nazrat BashirDirector
Dr. Amir MuhammedDirector
Mr. Abdul Wajid ArainDirector
Mr. Zafar-IqbalDirector
Mr. Muhammad Iftikhar Khan MohmandDirector
Mr. M.Yaqoob VardagDirector
Dr. Khalid Ahmad KhokharDirector
Mr. Mahmood Nawaz ShahDirector
Muazam AliCompany 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]
10
VSL – Vendors Short Listing System [email protected]
11
CRM – Customer Relationship Management [email protected]
12
IAMS - Internal Audit Management System [email protected]
Press release
ZTBL organized Kissan Mela for farmer in Badeen and President ZTBL Muhammad Zaka Ashraf participated as a chief guest.Dated: 13-04-2011
ZTBL organized Kissan Mela for farmer in Larkana and President ZTBL Muhammad Zaka Ashraf participated as a chief guest. Dated: 07-04-2011
Inaugural Ceremony of demonstration of solar energy with high efficiency irrigation in model village chak no. 16-GB Sargodha.Dated: 31-03-2011
On the eve of Golden Jubilee Ceremony of University of Agriculture, Faisalabad, visit of different stalls of exhibition, meeting with VC & Address to International Seminar on value Addition Concerns, by President ZTBLDated: 18-03-2011
A Chinese delegation led by Mr. F. U Junhai Vice President of China Council for the Promotion of International Trade visited ZTBL H.O Islamabad and meet Muhammad Zaka Ashraf President ZTBL.Dated: 16-03-2011
ZTBL organized Kissan Mela for farmer in DG Khan and Governor Punjab Sardar Latif Khosa attended as a chief guest.Dated: 07-03-2011
A Sudanese delegation led by H.E Mr. Muhammad Omar Musa the ambassador of Sudan visited ZTBL to attend a meeting with Mr. Muhammad Zaka Ashraf, President, ZTBL and other Senior Executives of the Bank.Dated: 02-03-2011
A delegation of Chinese Company M/s Shaanxi Xintong Intelligent demonstrated the working of solar energy pump, Sprinkle and Drip Irrigation system at village Mann near Kasur.Dated: 22-01-2011
On the 3rd anniversary of Shaheed Mohtarma Benazir Bhutto ZTBL Officer Association and Peoples Worker Union held dua and Fateha Ceremony in ZTBL HO, Islamabad.Dated: 27-12-2010
President ZTBL visit the Hyderabad Zone (19-24 December 2010) and meet the press on 24-12-2010.
KSSL Board of Director meeting Chair by Muhammad Zaka Ashraf President ZTBL at Hyderabad.
Dated: 23-12-2010.
Pakistan Women's Cricket team at 16th Asian games includes nine playing members from ZTBL cricket XI.Dated: 20-11-2010
Chinese company Chaguang Electronic keen to introduce and provide LED lights and solar technology in Pakistan.Dated: 12-11-2010
A Malaysian delegation led by H.E Dato Ahmad Anwar Bin Adnan visitedZTBL to attend a meeting with Mr. Muhammad Zaka Ashraf, President.Dated: 07-10-2010
High level USAID delegation led by Ambassador Robin Raphel visited ZTBL HO, Islamabad.Dated: 30-09-2010
President ZTBL Zaka Ashraf in a simple ceremony formally handed over the relief goods containing food items & non-food items.Dated: 27-09-2010
Signing Ceremony between ZTBL and Chinese Company M/S YTO at ZTBL HO, IslamabadDated: 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
restructuringZTBL 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 complementFormatting 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 BankAppointment of MD
1st Meeting of the BOD of KSSL held on
04.03.2006 approved appointment of CEO/MD
of the companyFinancially 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 BrochuresCrops Cultivation Guide
S.No. Title Language Type Size
1
Raising Goats and Sheep in
Pakistan Urdu
569
KB
2
Support and cultivation guide for
Peanuts Urdu
586
KB
3 Fooder Preserving guide- Silage Urdu
510
KB
4
Support and cultivation guide for
Sesame Seeds Urdu
448
KB
5
Support and cultivation guide for
Lentil pulse Urdu
384
KB
6
Support and cultivation guide of
Sunflower Urdu
515
KB
7
Support and cultivation guide of
Canola and Brassica Urdu
2.20
MB
8
Support and cultivation guide of
Wheat Urdu
410
KB
9
Support and plantation guide for
Tea Urdu
171
KB
10
Support and cultivation guide for
chick peas Urdu
1.43
MB
Scheme's Brochures
S.No. Brochure Title Language Type Size
1 Sada Bahar Scheme Urdu
409
KB
2 KSB Zarai Turbine User Guide Urdu
2.22
MB
3 Sairab Pakistan Scheme Urdu
560
KB
4
White Revolution Scheme- ZTBL
and Nestlé Pakistan Ltd.
Collaboration Urdu
636
KB
5 White Revolution Scheme Urdu
683
KB
6 Loan Scheme for poultry Urdu
517
KB
7 Loan through one window operation Urdu
191
KB
8 ZTBL Loan FAQs Urdu
1.57
MB
ZTBL BANK BRANCHES - AS ON 15-01-2011Total Zones: 31 Total Branches: 355
SR#
ZONE BRANCH ADDRESSTELEPHONE#
PUNJAB
1 Islamabad ISLAMABAD
ZTBL, ISLAMABAD BRANCH, BLOCK 7/F, OFFICERS COLONY, G-7/2, ISLAMABAD
051-9252022
Total Br = 13 HO BRANCHZTBL, HEAD OFFICE, 1-FAISAL AVENUE, ISLAMABAD
051-9252782
ATTOCKD-109 NEAR MAIN BAZAR, ATTOCK CITY
057-9316145
PINDIGHEBNEAR GOVT. HIGH SCHOOL, PINDIGHEB
0572-352508
JHELUM
NEAR ISLAMIA HIGH SCHOOL, KATCHERY ROAD, JHELUM
0544-625703
MURREEKASHMIR POINT, OPP. GOVERNOR HOUSE, MURREE
051-3410463
KAHUTAOPP. TEHSIL HOSPITAL, KAHUTA
051-3312603
TALAGANGNEAR OLD LARI ADDA, MIANWALI ROAD, TALAGANG
0543-412021
CHAKWALJHELUM ROAD, CHAKWAL
0543-544009
JANDMOHALLAH GHOUSIA, JAND
0572-621059
GUJAR KHANG.T. ROAD NEAR BUS STAND, GUJAR KHAN
051-3511317
RAWALPINDIHAIDERY CHOWK, SATELLITE TOWN, RAWALPINDI
051-4427794
FATEHJANG
NEAR ALMAS MEDICAL CENTRE, ATTOCK ROAD, FATEHJANG
0572-212582
2 Gujranwala Alipur ChathaThana Road, Ali pur Chatha.
055-6332375
Total Br = 11 Gujranwala D.C.Road Gujranwala. 055-9200206
GujratAlipur Road Near,Usmania
053-9260417
Plaza,Gujrat
Hafizabad330-B, ADS-I Housing Colony
0547-524919
KamokeNear Madina Hotel, G.T.Road Kamoke.
055-6811891
Lala Musa G.T.Road Lala Musa 053-7515001
Noshera virkanTatley Road , Noshera Virkan
055-6760421
Pindi SultanpurDinga Road ,Pindi Sultanpur,Tehsil Kharian.
053-7611117
Qila Deedar SinghCivil Hospital chowk ,Qila Deedar Singh.
055-4710018
Wahndo Ghala Mandi, Wahndo . 055-6798115
WazirabadDhaunkal Road, Wazirabad.
055-6601449
3 Sialkot Daska Circular Road, Daska. 052-9200040
Total Br = 7 SialkotPak pura Kutchery Road Sialkot
052-4292542
Kotli LoharanKotli Loharan Mashrqi near PTCL Exchange
052-3530272
PasrurModel Town, Civil Hospital Road , Pasrur.
055-6441876
SatrahGujranwala Road Satrah.
055-6280344
Narowal Circular Road Narowal. 054-2412871Shakargarh Zia Road , Shakar garh. 054-2450922
4 Lahore ChungNear New Khan Petrol Pump, Main Multan Road Chung
0423-7511219
Total Br = 21 KasurBhatta Chowk, College Road, Kasur
049-9250174
KhuddianDepalpur Road, Khuddian
049-2791195
K. R. KishenSabzi Mandi, K.R. Kishen
049-2382304
ChunianMuhala Talab Wala, Opp Veternary Hospital, Chunian
049-4310019
KanganpurDepalpur Road, Ellah Abad, Kanganpur
049-4751303
PattokiMain Multan Road, Pattoki
049-4420055
FerozewalaNear Malik Taj Din Building, Shahdara, Lahore
0423-7933668
ManawalaMain Faisalabad/Sheikhupura Road, Manawala.
056-3771054
Narang MandiRafiqabad Narang Mandi
056-2410117
Nankana SahibNear General Buss Stand, Nankana Sahib
056-2874744
Sangla HillMaher Balocha Road, Near Post Office, Sangla Hill
056-3703056
SharaqpurNew Hospital Road, Shraqpur Shariff
056-2591022
MuridkeNear Tehsil Office, Bangla Road, Muridke.
0423-7981745
Khanqa DogranMain G. T. Road, Muhallah Islampur, Khanqa Dogran
056-3726331
More KhundaMadina Colony, Jaranwala Road, More Khunda
056-2442473
SheikhupuraMalik Anwar Road, Civil Lines, Sheikhupura
056-9200091
Model Br. 47-C, The Mall, Lahore. 0423-7312297
Lahore Cantt.27-C, Old Army Officer Colony, Zarar Shaheed Road, Lahore.
0423-6662393
PhoolnagarOpp. Town Committee Office, Lumbey Jaggir Road, Phoolnagar
049-4510501
Syed WalaMain Jaranwala Road, Syed Wala
056-2722112
5 Multan MULTAN.61-A, Abdali Road, Multan
061-9200509
Total Br = 8 M. RASHEEDVehari Road, Makhdoom Rasheed
061-4592210
SHUJABADJalalpur Pirwalal Road, Shujabad
061-4396336
JALALPURKhan Baila Road, Jalalpur Pirwala
061-4210202
BASTI MALOOK Shahab Centre, 061-4250125
Bahawalpur Road
LODHRANNear Super Chowk, Lodhran
0608-9200039
DUNYAPURBasti Malook Road, Dunyapur
0608-305279
K. PACCALodhran Road, Kehror Pacca
0608-342624
6 R. Y. Khan Rahim yar KhanAllama Iqbal Town,Church Road Rahim yar Khan
068-9230050
Total Br = 7 Khan Pur KatoraH.No181/182,Model Town-A Khan Pur Katora
068-5573079
Sadiq AbadMehar Abad Shemla Point,Nehar Kinara Sadiq Abad
068-5703546
Liaquat PurH.No. 4/B-1,Town Committee, Housing Scheme,Liaquat pur
068-5795309
Sanjar PurMain KLP, Road Sanjar pur
068-5780016
Mian Wali Qureshian
Main KLP,Road Mian Wali Qureshian
068-5565160
Zahir PirMouza Muhammad Khan, Main KLP Road,Chock Zahirpir,
068-5563030
7 Sargodha SARGODHAKATCHERY ROAD, SARGODHA.
048-9230491
Total Br = 17 BHAGTANWALAMAIN LAHORE ROAD, BHAGTANWALA
048-3780041
SILLANWALIREHMANPURA, LARI ADDA ROAD, SILLANWALI.
048-6532087
SAHIWAL TOWNOPP. SHELL PETROL PUMP, JHANG ROAD, SAHIWAL
048-6786061
BHALWAL286, BLOCK NO.1 SATELLITE TOWN, BHALWAL
048-6642873
BHERANEAR ISLAMIA MODEL HIGH SCHOOL, BHERA
048-6691486
KOT MOMIN MOHALLAH 048-6682051
KHAWAJABAD, BHALWAL RD, KOT MOMIN
SHAHPUR
NEAR POLICE STATION, KHUSHAB ROAD SHAHPUR SADAR
048-6310530
JAUHARABADKOTHI NO.3, BLOCK NO.1, JAUHARABAD.
0454-920255
NOORPUR THALNEAR REVENUE OFFICE, NOORPUR THAL
0454-850842
MALAKWAL
MOHALLAH KANIANWALA, POST OFFICE ROAD, MALAKWAL
0546-591339
PHALIANEAR HALLIAN CHONGI, GUJRAT ROAD, PHALIA
0546-596069
M.B.DINSUTSIRA CHOWK, MANDI BAHA-UD-DIN.
0546-500562
CHALLIANWALA
M.B.DIN - KHARIAN ROAD, CHALLIANWALA.
0546-590299
P.D.KHANRAILWAY ROAD, PIND DADAN KHAN.
0544-210262
PINDI BHATTIANNEAR AQIL GATE, LAHORE ROAD, PINDI BHATTIAN.
054-7531484
GOJRAMAIN ROAD GOJRA, DISTRICT Mandi Bahauddin
0546-588339
8 Vehari Vehari150-A-O Block Danewal
067-3362408
Total Br = 11 Mailsi Ward No.3, Multan Rd. 067-3410341
BurewalaHouse No.25,26,27 Gulshan-e-Rehman Town
067-9200068
T.S.PurWard No.4 Qutabpur Rd.
067-3692077
Karampur Mailsi Rd. 067-3696029
LuddenHasilpur Rd.,Ludden Tehsil
067-3691136
KhanewalHouse No.25, St.No.1, Block-W, Peoples Colony
065-9200083
Kabirwala Jhang Rd.Kabirwala 065-2410619
Abdul HakimMultan Rd., Abdul Hakim, Tehsil Kabirwala
065-2441056
Mian ChannuZTBL Mian Channu GT Road Mian Channu.
065-2664870
JhanianOpp.Govt.Degree College for Boys, Jahanian .
065-2210878
9 Sahiwal Arifwala Fausal Town 457832739
Total Br = 9 Bunga HayatAdda Bunga Hayat Pakpattan Road
457520107
Chichawatni 6-E Housing colony 405485549Kassowal Zameer colony GT road 405410496Noor Shah Faisal Abad Road 404469133
NoorpurAdda Noor pur Pakpattan Road
404018025
Pakpattan 10-8 Green Town 457372187Qaboola Qaboola By pass 457851915Sahiwal 915-D Farid Town 409200424
10 Okara Okara 27-C Lala zar Colony 449200126Total Br = 7 Depalpur Khalil abad colony 444540988
Haveli lakha Dehli Multan Road 444775772Basirpur Committee Road 444771189Gogera Faisal Abad Road 442662030
Renala Khurd6-B Low incom Housing scheme
442621212
Nol Plot Post Office, 12/GD 0442010810
11 Faisalabad Chak JhumraChiniot Road, Chak Jhumra
041-8763407
Total Br = 13 FaisalabadJail Road, Opp. Punjab Medical College, Faisalabad.
041-9210008
Gojra Samundri Road, Gojra 046-9200096
JaranwalaFaisalabad Road, Jaranwala
041-4310584
KamaliaMal Fatiana Road, Kamalia.
0463-411525
MamunkanjanLakar Mandi, Mamunkanjan.
041-3431791
Pir Mahal Gala Mandi, Pir Mahal. 0463-360301
Rajana TownCanal Road, Rajana Town.
0462-262744
SamundriMain Faisalabad Road, Samundri.
041-3422395
SandhilianwaliSchool Road, Sandhilianwali.
0463-522048
SatianaTadlianwala Road, Satiana
041-4600131
T.T. SinghHouse No.17 St.No.102 Housing Colony No.1, T.T.Singh
0462-510712
TandlianwalaMain Road, Tandlianwala
041-3441907
12 Jhang Jhang Ayub Chowk Jhang. 047-9200039
Total Br = 10 Shah JewanaMandi Shah Jewana Road, Shah Jewana.
0477-641270
Athara HazariBhakkar Road, 18-Hazari.
0477-645209
ShorkotCantt Road, Shorkot city.
0475-310584
ChiniotFaisalabad Road, Chiniot.
0476-332811
Garh Marharaja Garh Mor G.M. Raja. 0475-320578
BhawanaOld Bus Stand Chiniot Road, Bhowana.
0476-201039
BhakkarMandi Town near Jhang Moore, Bhakkar.
0453-9200437
KalurkotNear Housing Colony, Kalurkot.
0453-200904
MankeraMohallah Khiaran Wali, Jhang Road, Mankera.
0453-410055
13 Muzaffargarh Layyah TDA Colony Layyah 0606-412570Total Br = 11 Choubara Jhang Road Choubara 0606-440144
Karor Lal EasanLayyah Road Karor Lal Easan
0606-810574
Muzaffargarh Jail Road Muzaffargarh 066-9200207Khan Garh Ali Pur Road Khangarh 066-2610486
Ali PurCircular Road, Near Fateh Pur Gate Ali Pur
066-2700140
Shahersultan Jatoi Road Shahersultan 066-2620055Jatoi Permet Road Jatoi 066-2591170Kot Adu G.T.Road Kot Adu 066-2242934
Sanawan G.T.Road Sanawan 066-2250028
Chowk MundaM.M.Road Chowk Munda
066-2210175
14 D.G.KHAN D.G.KHANMultan Road,opposite khayyaban-e-sarwar,D.G.Khan
064-9260419
Total Br = 6 TAUNSA SHARIFCollege Road,near Hashim chowk,Taunsa Sharif
064-2602451
KOT CHUTTAIndus Highway,Araien Market,kot chutta
064-2843551
RAJAN PURIndus Highway,Juggan khan Market,Rajan pur
0604-688698
JAM PURIndus Highway,near boys degree college,Jam Pur
0604-567464
ROJHANNear Police Station,Rojhan
0604-610044
15 Bahawalpur Ahmedpur EastKachari Road, Ahmedpur East
062-277820
Total Br = 8 BahawalpurMain Ahmedpur Road, Bahawalpur.
062-9255303
HasilpurChishtian Highway Road, Mehmood Colony, Hasilpur.
062-2442582
Head RajkanNear Green Market, Head Rajkan
062-2781666
Khairpur TamewaliMouza Ghnipur, Khairpur Tamewali
062-2261590
Noorpur NourangaGanwar Shah Road, Khanqah Sharif, Distt: Bahawalpur
062-2790077
Uch SharifMain Ahmedpur Road, Sami Town, Uch Sharif.
062-2551307
YazmanLower Income Housing Scheme, Yazman.
062-2702733
16Bahawalnagar
BahawalnagarKamboh House Degree College Road, Bahawalnagar.
063-2274443
Total Br = 5 ChishtianHouse No.39/GI, Balidia Colony, Chishtian
062-2502940
Minchinabad Pakpattin Sharif Road, near A.C.Office,
063-2750331
Minchinabad.Fortabbas Marot Road Fortabbas. 063-2510967
HaroonabadBahawalnagar Road, Haroonabad.
063-2250941
SINDH
17 Karachi.Model Branch, Gulistan-e-Johar
St.4/3, Block No.1, Scheme No.36, Gulistan-e-Johar, Karachi.
0213-34613618
Total Br = 15Karachi Branch, Shafi Court
Shafi Court Building, Merewether Road, Near Metropol Hotel, Karachi.
0213-99206006
Fish Harbour Branch.
Naghani Chamber, West Wharf Road, Karachi.
0213-32315339
Ibrahim Hyderi Branch.
679-B, Bhittai Colony, Ibrahim Hyderi Road, Korangi Crossing, Karachi.
0213-35120584
Memon Goth Branch.
Murad Memon Goth, Memon Goth Town, Malir Karachi.
0213-34560239
Deh Tore (Gadap) Branch.
Deh Tore, Near Baqai Medical University, Gadap Town, Super Highway, Karachi.
0213-37613037
Thatta Branch.
Main National Highway, Near National Bank Of Pakistan, Thatta Branch, District Thatta.
0298-923024
Mirpur Sakro Branch.
Mirpur Sakro Town, District Thatta.
0298-775016
Vur Branch.Post Office Vur Town, District Thatta.
0298-774037
Jati Branch.Raj Malak Road, Near Drainage Office, Jati Town, District Thatta.
0298-777044
Chouhar Jamali.
Shah Aqiq Road, Post Office Chohar Jamali, Taluka Shah Bunder, District Thatta.
0298-778076
Sujawal Branch. Near Qasmi Petrol Pump, Wapda Office, Sujawal Town, District
0298-510074
Thatta.
Mirpur Bathoro Branch.
Near Union Council Office, Mirpur Bathoro Town, District Thatta, Postal Code 73030.
0298-779216
Hub Chowki Branch.
Near Sher Ali Patrol Pump, Mooza Tathra, Hub City, District Lasbela.
0853-363474
Uthal Branch.Lasbela University, Uthal.
0853-610761
18 Hyderabad HyderabadBanglow No 6-A, Unit No.7 Latifabad
022-9260058
Total Br = 14 Tando Jam Mir Colony Tando Jam 0222-765968
MatiariMain Rd. Opp. Govt. Boys High School
0222-760285
Hala National High way Rd. 022-3332142
Tando Allah YarPlot No.14, Zardari Colony Main Tando Adam Road
0223-891383
Tando M.KhanStation Rd. Near Masjid-e-Aqsa
022-3341356
Sehwan SharifAeroplane Chowk Main Road Hyderabad.
025-4620363
Kotri Darya Road, Kotri 022-3874230
BadinAl Aman Hotel,Near Bus Stand
0297-861291
Talhar Tando Bago Rd. 0297-830233Matli Hyderabad- Badin Rd 0297-840265
GolarchiWard No. 2,Girls High School Rd.
0297-853116
Tando BhagoHyderabad Road near Girls High School.
0297-854020
Tando Ghulam Ali Shahi Bazar Rd. 0297-851091
19 Nawabshah Nawabshah.Bunglow No. 1-A/2 Housing Society Nawabshah
0244-9370115
Total Br = 14 Dour Bandhi Road Dour 0244-325224
Sakrand.Muhalla Azim Colony, Main Road Sakrand
0244-322714
Qazi AhmedNational Highway Qazi Ahmed
0244-321284
Doulatpur Main Road Doulatpur 0244-320678Moro Near Session Court 0242-410626
Main Road Moro
Naushehro FerozeOpposite Wapda Colony Naushehro Feroze
0242-448883
BhiriacityBhiria Chowk Main Road Bhiriacity
0242-432232
KandiaroTaluka Hospital Road Kandiaro
0242-449576
MehrabpurMallah Muhallah Mehrabpur
0242-430505
Dadu Shahani Muhalla Dadu 025-9200311Johi Wahi Pandhi Road Johi 025-4740258
Bhan SaeedabadNear Hotel Usman Solangi Bhan Saeedabad
025-4660389
Seeta RoadNear Bunglow Asif Khan leghari Seeta Road
025-4760088
20 Larkana MEHARAkhound Muhalla Ghari Road Mehar.
0254730293
Total Br = 18 K.N.SHAHNear Mukhtiarkar Office Road K.N.Shah
0254720295
RADHAN Shahi Bazar Radhan. 0254750236
JACOBABADNear Saheed Allah Bux park Quatta Raod Jacobabad
0722653464
THULL Kandhkot Road Thull. 0722610269
SHAHDADKOTOld Anaj Mandi Shahdadkot
0744012788
KAMBER Larkana Road Kamber 0744210545
WARAHGaji Khuhawar Road Warah
0744060230
MIROKHAN Main Road Mirokhan. 0744049320
KANDHKOTNear Main Bazar Kandhkot
0722573252
KASHMORESoomra Muhalla Kashmore.
0722576613
DOKRI Moenjodaro Road Dokri 07454080296
LARKANAShaheed Benazir Bhutto Building VIP Road Larkana
0749410826
NAUDEROOpposite Govt.High School Nuadero.
0744047491
KHANPUR Main Road Khanpur 0726571025
SHIKARPURS.P OFFICE ROAD SHIKARPUR.
0726920166
GARHI YASINMARKET ROAD GARHI YASIN
0726572041
LAKHIOpposite Govt.Grils High School Lakhi
0726573035
21 Mirpurkhas MirpurkhasNear Chandni Chowk, Mirwaha Road Mirpurkhas
0233-9290192
Total Br = 14 HingornoMain Khipro sindhri Road Hingorno
02355-22026
DigriWard No.5 Gharibabad, Digri
0233-869642
Kot Ghulam Muhammad
Near Hashmi Masjid, K.G.Muhammad
0233-866431
UmerkotGulistan Saleem Near Rohal Bus stand Umerkot
0238-571230
Samaro Kunri Road Samaro 0238-551040
PithoroOpposite Akri Jama Masjid Pithoro
0238-541556
MithiShoukat Manzil, Diplo Road Mithi
0232-261320
SangharNear Police Head Quarter, Hyderabad Road Sanghar
0235-542032
KandiariRural health centre Kandiari
0235-521101
ShahdadpurNear Hala Chowk, Shahdadpur
0235-841239
Sinjhoro Sanghar Road Sinjhoro 0235-531116
Tando AdamKhandoo Road Opp. Civil Court Tando Adam
0235-574328
KhiproNear Police Station, Taluka office Road Khipro
0235-879237
22 Sukkur Dharaki G.T Road Ghotki 0723-642577Total Br = 15 Pacca Chang Garibabad Mohallah a 0243-557020
Gambat Station R oa d. 0243-640970Agra Town Shahi Bazar, Agra Town 0243-780076
GhotkiShanti Nagar Rahomowali Rd.
0723-681302
Khairpur Katchery Road Khairpur 0243-9280096Kingri Near Dargah Pir jo Goth 243-610110Kot Digi Main R oa d.Kot 0243-556359
Bunglow
Mirpur MatheloNear Sardar Rahim Bux Bozdar Bunglow M.Mathelo
0723-651680
Thari MirwahNear DDO, Revenue Office
0243-790268
Chandiko(Nara)Near Mujahid Petrol Pump , Main Chowk
0243-559045
Pano AqilNear Mukhtarkar Office, Pano Akil
071-5690547
Sohbo DeroMain Stand, New Evershine School
0243-750216
Sukkur Minara Road, Sukkur 071-9310303Ubauro Near Shah Petrol Pump 0723-688429
KHYBER PAKHTUN KAWAH
23 Peshawar PeshawarG.T.Road, Chughal Pura, Peshawar
091-2262279
Total Br = 20 BadaberScheme Chowk, Inqilab Road, Badaber, Peshawar
091-2324815
BaraBara Gate, Bara Road,Peshawar
091-5253433
NowsheraClub Road, Nowshera Cantt.
0923-9220037
CharsaddaMardan Road, Charsadda
091-9220112
TangiCollege Road Near Police Station, Tangi
091-6555263
ShabqadarMatta Road, Near GPO, Shabqadar
091-6281497
MardanCantt. Colony, Opp. G.P.O, the Mall Road, Mardan
0937-866404
Rustam Main Bazar, Rustam 0937-800183
ShergarhMalakand Road, Shergarh, Near Police Station
0937-820353
KatlangInzergai, Mardan Road, Katlang
0937-575367
TakhtbhaiFloor Mill Road, Takhtbhai
0937-552002
SwabiJehangira Road, Jamal Abad, Swabi
0938-221244
Lahore Chota Jehangira Road, Opp. 0938-300065
Tehsil Office, Lahore Chota
KohatHouse No.13, Sector-IV, KDA Gate-2, Kohat
0922-513743
KarakMain High Way, Opp. Ghalnai CNG, Tangori Chowk, Karak
0927-210549
B.D.ShahOpposite Police Station, Bannu Road, B.D.Shah
0927-333540
Hangu
Opp. Hangu Public School & College, Main Hangu Tall Road, Hangu
0925-621093
SaddaManan Market, Near UBL, Parachinar Road, Sadda
0926-520509
ParachinarOpposite Zanana Hospital, Parachinar
0926-310658
24 D.I.Khan BannuNear Regal Cinema, Miranshah Road, Bannu.
0928-622188
Total Br = 11 D.I.Khan Prova Adda, D.I.Khan. 0966-718225
DomailMuhammad Din Market, Kohat Road, Main Bazar Domail.
0928-653515
EssakhelAl-Assad Market, Mianwali Road, Essakhel.
0459-285020
KulachiInside Sheikhi Gate Kulachi.
0966-760363
Lakki MarwatMohallah Haqdad Abad near Bus Stand, Lakki Marwat.
0969-510586
Mianwali PAF Road, Mianwali. 0459-920091
PaharpurRangpur Road, Paharpur.
0966-775341
PiplanOpposite Grain Market, Liaqat Abad, Piplan.
0459-201128
Serai NaurangD.I.Khan Road Opposite Police Graond, Serai Naurang.
0969-352261
TankHassan Market near Degree College(Male), Tank.
0963-512558
25 Mingora Batkhela Nera PESCO, Batkhela 0932-411792
Total Br = 15 MingoraCollege Colony, Saidu Sharif, Swat.
0946-9240183
Daggar Main Bazar Daggar 0939-555466
TimergaraBalambat Road, uposit Tablighi Markaz, Timergara.
0945-9250117
Chakdara G.T. Road, Chakdara. 0945-761178
KharNear Scout Cant, Khar Bajaur Agency.
0942-220903
AlpuraiMain Besham Road, Alpurai.
0996-850034
Dargai G.T. Road Dargai 0932-332043Dir G.T. Road, Dir. 0944-880822Matta Near Bus Stand, Matta 0946-790095Behrain Main Bazar Behrain 0946-780127
ChitralGovernor Cottage Road, Chitral
0943-412624
Warijune G.T. Road, Warijun 0943-474014Booni Main Bazar Booni 0943-470032Drosh Main Bazar Drosh 0943-480208
26 Abbottabad AbbottabadPMA Kakul Road, Abbottabad
0992-9310152
Total Br = 7 HaripurShakar Shah Road, Haripur
0995-610835
MansehraBedra Chowk, Main Shahrah-Resham, Mansehra
0997-305069
Oghi Kutchehry Road, Oghi. 0997-320106Balakot Main Bazar, Balakot 0997-500329
BattagramMain Karakuram Highway, Battagram
0997-310073
Dassu Kumela Bazar, Dassu. 0998-407105GILGIT - BALTISTAN
27Gilgit-Baltistan
GILGITSADAR BAZAR, GILGIT
5811920766
Total Br = 7 SKARDUYADGAR, CHOKE SKARDU
5815920268
GAHKUCHMAIN ROAD GAHKUCH
5814921020
ALIABADMAIN ROAD ALIABAD
5813920804
ASTORE NEAR P.W.D OFFICE 5817920289
ASTORE
KHAPLUMAIN BAZAR DANIYAL SHAHID RD, KHAPLU
5816920244
CHILASNEAR DC.OFFICE CHILAS
5812920138
AZAD KASHMIR
28 Muzaffarabad MuzaffarabadBank Squire Lower Chatter Muzaffarabad
05822-921054
Total Br = 10 HattianMain Bazar Hattian (AK)
05822-922636
BaghSudhan Gali Road Bagh (A.K)
05823-920039
HaveliMain Bazar Haveli Kahuta(AK)
05823-921773
RawalakotKatchehry Chowk Near District Courts Rawalakot(AK)
05824-920070
SudhnotiKotli Chowk Sudhnoti(Pallandri)(AK)
05825-920079
SehnsaKotli Road Main Bazar Sehnsa(AK)
05826-923066
KotliHousing Scheme Kotli (AK)
05826-920234
MirpurHouse No-122/K Sector F/2 Mirpur(AK)`
05827-920426
BhimberGujrat Road Bhimber (AK)
05828-920507
BALUCHISTAN
29 QUETTA QUETTAZTBL, Banglow No.446-C, Staff College Road, Quetta Cantt:.
081-9202939
Total Br = 18 DALBANDINZTBL, Near WAPDA House, Dalbandin.
0825-210244
HARNAIZTBL, Mohalla Jala abad, Harnai.
0833-520042
ZIARATZTBL, Main Bazzar, Quetta Road, Ziarat.
0833-560256
KOHLUZTBL, Afzal Plaza, Saddar Bazzar, Kohlu.
0829-667261
LORALAIZTBL, Tehsil Road, Loralai.
0824-411084
DUKI ZTBL, Quetta Road, 0824-666360
Duki.
K.SAIFULLAHZTBL, Main Bazzar, Killa Saifullah.
0823-610530
PISHINZTBL, band Road, Pishin.
0826-420100
MASTUNGZTBL, Near Al-Falah Masjid, Mastung.
0843-895330
KHUZDARZTBL, RCD Road, Khuzdar.
0848-412532
KHARANZTBL, Civil Hospital Road, Kharan.
0847-510267
ZHOBZTBL, Baboo Mohallah, Zhob.
0822-412883
NUSHKIZTBL, Near Govt: Girls High School, Nushki.
0825-872984
BARKHANZTBL, Rakhni Sibi Road, Barkhan.
0829-668522
MUSLIM BAGHZTBL, Station Road, Muslim Bagh.
0823-669415
KALATZTBL, Town Road, Kalat.
0844-210903
WADHZTBL, Main RCD Road, Wadh.
0848-500086
30 D.M.Jamali Sibi Jinnah Road Sibi 0833-412866Total Br = 7 D.M.Jamali D.C.Road D.M.Jamali 0838-710445
Jhatpat Quetta Road D.A.Yar 0838-510452
Usta MuhammadAli Abad Road Usta Muhammad
0838-613930
DhadarQuetta Road Rind Ali (Dhadar)
0832-415793
Bhag Tehsil Road Bhag 0832-400428
SohbatpurNear Police Station Sohbatpur
0838-603230
31 Turbat TurbatDegree College Road, Near B&R Colony, Turbat
0852-412147
Total Br = 6 GwadarFish Harbour Road, Near GPA Complex, Gwadar
0864-210094
PasniOpp. Riaz Petroleum Service, Main Road, Pasni
0863-210508
PanjgurNear Wapda Power House, Citkaim, Panjgur
0855-641299
Tump Main Bazzar, Tump. 0852-310067
AwaranHar Bazar, Main Road, Awaran.
0856-511040
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