Zarai Taraqiati Bank Limited
Zarai Taraqiati Bank Limited 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 efficient and professional manner,
leading to success of the Bank and the farmers.
Zarai Taraqiati Bank Limited History
Zarai Taraqiati Bank Limited (ZTBL) 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. ZTBL was incorporated as a Public
Limited Company on 14th December, 2002 through repeal of ADB Ordinance of 1961.
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 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
Zarai Taraqiati Bank Limited Services:
Loan Schemes
Modern Agri. Technology
Credit Limits
Types of Security
Debt Equity Ratio
Repayment Period
Recovery Procedure
Zarai Taraqiati Bank Limited Loans:
Canola Re-financing Scheme
ZTBL model village establishment
Financing package for Karachi
Crop Insurance Scheme
Crop Maximization Project- II
green Revolution Scheme
One Window Operations/ Zarkhaiz Scheme
White Revolution Scheme- ZTBL & PDDC
White Revolution Scheme- ZTBL & Nestlé
Sada Bahar Scheme (SBS)
Awami Zarai Scheme- AZS (Farm Credit)
Awami Zarai Scheme- AZS (Non-Farm Credit)
Rural Development Scheme
Red Meat financing package for sheep/ goat rearers
Board of Directors
Syed yawar Ali (Chairman)
Syed Talat Mahmood (President/CEO)
Mr.Saeed Ahmad (Director)
Mr.Majyd Aziz Balagamwala (Director)
Mr.Zahid ldris Mufti (Director)
Mr.Abdul Bari Tareen (Director)
Mr.Muazam Ali (Company Secretary)
Credit rating
Year Entity Stand Alone Outlook
2013 AAA/ A-1+ B+/ B Stable
2012 AAA/A-1+ B+/ B* Stable
2015 AAA/A-1+
Product & Services
Treasury
Deposit Schemes
Loan Schemes
Locker Facility
Home Remittance
Deposit Schemes
Current Account
Business Deposit Account
Basic Banking Account
Rozana Bachat Account Zarai Munafa Term Deposit Certificate
Schemes & Policies
Schemes Eligibility Maximum Loan Repayment Rate of Mark
Limit Schedule Up
Kissan Dost New borrowers of 0.700 million per Advanced for Rabi Prevailing Bank rate
Scheme production under borrow/party Crop .Recoverable of mark up on
financed scheme Kharif Crops in repayment of loan
installment is applicable
Green Revolution Bank MCO selects 1.000 million per Loan will be One year kibor plus
Scheme borrowers borrower/party recoverable within 5 2% margin
years in 10 equal
installments
Camel Rearing All creditworthy 1.500 million per Loan is recoverable Prevailing rate of
Scheme farmers borrower/party within 2 years mark up on
development is
applicable
Tahfuz-E-Ajnas Creditworthy & 1.500 million per Loan will be Prevailing rate of
Scheme reputable rural borrower/party recovered within 10 mark up on
populace across years in half year development loans
the country installments is applicable
Preference will be
given to new
borrowers
Shamsi Tawanai Creditworthy & 1.500 million per Loan will be Prevailing rate of
Scheme reputable rural borrower/party recovered within 10 mark up on
populace across years in half year development loans
the country installments is applicable
Cut-Flowers Creditworthy & 1.500 million per Loan will be Per prevailing rate
Scheme reputable rural borrower/party recovered within 5 of the Bank
populace across years in half year
the country installments
Asan Qaraza Creditworthy & 0.200 million per Loan will be Prevailing rate of
Scheme reputable youth borrower/party recovered within 5 mark up on
age limit 18-35 years in half year incentive on timely
years installments repayment of loan
is applicable
Sada Bahar Old/existing 0.500 million per Loan disbursed for Prevailing Bank rate
Scheme borrowers having borrower/party Rabi Crop of mark up on
good repayment .Recoverable Kharif repayment of loan
Crops in installment is applicable
