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 (CMPII 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) All over Pakistan in 28 Districts & 842 Villages as per annexure-I. Government of Pakistan . 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. VOs will raise membership by

Operational Jurisdication: Sponsoring: Profit paidon MINFA special saving account:

Membership:

Share Money:

Member farmer saving account: Disbursement (lend money to its members)

Approval of loan proposal:

Documents Required:

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. 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. All member farmers will open Saving Account in same branch of the Bank where VOs account is maintained. 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. 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. While issuing the Cheque/loan ceiling following prescribed documents will be obtained by VOs from the ir borrowing members in

consultation concerned.

with

the

Bank

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 agriland 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 Punjab Districts Sialkot Gujranwala Sargodha Sahiwal Muzaffargarh R.Y.Khan Kasur
Sub-total:

No. of Villages 30 30 72 72 30 72 30
366

Mandi Bahauddin 30 Sindh Sanghar Mirpur Khas Larkana 30 32 25

Shaheed Benazir 30 Abad(Nawabshah) Naushehro Feroz 25 Khairpur

Sub-total:

25
167

Khayber D.I.Khan Pkhtunkhwa Bannu Peshawar Charsada Sawabi

Sub-total:

25 25 25 32 32
139

Balochistan Jaffarabad Khuzdar Pishin Qilla Saifullah Lasbella

Sub-total:

30 20 20 30 20
120

AJK

Kotli Poonch
Sub-total:

20 20
40

FANA FATA

Gilgit/Biltistan Khyber Agency

Sub-total: Grand-total:

5 5
10 842

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: Premium: All branches of the Bank throughout the country. 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. Rs. 500,000 in an individual case. Production loan for agreed crops of each season (Rabi & Kharif) for which premium is paid. Wheat, Cotton, Sugarcane, Rice & Maize Excessive rain, Flood, Drought, Hailstorm, Frost, Locust attack and Insect attack. From the date of sowing/transplantation to completion of harvesting of the insured crop. Full compensation will be paid if the insured standing crop is damaged by the perils covered in calamity notified areas by the Government.

Maximum loan limit Insured : Sum insured:

Crops covered: Perils covered: Period of Insurance: Compensation:

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 1 2 3 4 5 Faisalabad 6 Gujranwala 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 Shaheed Shaheed Abottabad Karachi Hyderabad Multan D.G. Khan Multan D.G. Khan Sahiwal Vehari Sahiwal Vehari Gujranwala Wazirabad Sahiwal Tibba Sultanpur Multan D.G. Khan M.B.Din M.B.Din Faisalabad Faisalabad Islamabad Lahore Sargodha District Rawal Pindi Lahore Sargodha Bhalwal Branch Model Villages Kamas Chak No.16SB

Rawal Pindi Ghazi Kholi Chung

Chaillianwala Chaillianwala Chaillianwala Chak Jani Chak # 32JB Kot Inayat Khan 92/6-R Durpur Jahangirabad Khakhi Gharbi

Muzaffargarh Muzaffargarh Muzaffargarh Doaba Bahawalpur Bahawalpur Bahawalpur Goth Gehna R.Y. Khan Peshawar D.I. Khan R.Y. Khan Peshawar D.I.Khan Mianwali Haripur Thatta Hyderabad Tando Jam Sakrand R.Y. Khan Peshawar D.I.Khan Piplan Haripur Kandewali Ternab Dial 3-4/M-L Dingi Sarang Faqeer 19-Jalalani

Mirpur Sakro Deh Naihki

Benazirbad 22 23 24 25 26 27 Sukkur Larkana

Benazirbad Shaheed Benazirbad Sukkur Larkana Dour Sukkur Larkana Baloo -JaQuba Akbarpur Dhamrah

Mirpur Khas Mirpur Khas Mirpur Khas Doulatpur Quetta Quetta Quetta Kuchlak D. M. Jamali Naseerabad D.M. Jamali Goth Shafi Muhammad

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 Jurisdiction: Selection of Farmers/

Throughout Pakistan (except Mingora Zone in NWFP, Turbat Zone in Balochistan Province and FANA being un-settled/hilly areas). ZTBL MCOs, Revenue and postal staff meet at selected focal points once a week on each

Borrowers:

Delivery Channel: Collateral: Eligibility Ctiteria : Documents Required: Maximum Sanction Limit: Rate of Mark up: Incentive:

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. ZTBL, Revenue, Postal authorities and Supplier through selected focal points. Agri.Land mentioned in Agri. Pass Book Farmers having irrigated land up to 25 acres and barani land up to 50 acres. CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri. Pass Book & 2 Photographs of borrower. Rs.0.2 million per borrower/party. 9% p.a with 1% rebate on timely repayment. 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: Loanable Items:

Rabi loans are recoverable on 7 th July & Kharif loans on 7 th January. Inputs-Seedfertilizer,pesticides/insecticides/POL/labour charges etc)

Canola Re-Financing Scheme

Concessional Cultivation Financing in and Guarantee Flood Scheme Affected for Canola 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 No. Punjab 1. 2. 3. 4. 5. Layyah Muzaffargarh Rajanpur Rahim Yar Khan Multan Balochistan 1. 2. 3. Nasirabad Jaffarabad Jhal Magsi S. District No. Khyber Pakhtunkhwa 1. 2. 3. 4. Nowshera Charsadah D.I. Khan Peshawar

6. D.G Khan Sindh 1. 2. 3. 4. Sukkur Nausheroferoz Benazirabad Larkana

Salient feature of the scheme:Scope/ Eligibility criteria:

All categories of farmers (owner, owner-cumtenant 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:

Sanction of Loans:

Legal Documentation

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. 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 would be executed as per type of security and system to be followed according to

Disbursement: Rate of Markup

Repayment of Loans to SBP: Utilization:

Monitoring:

standing instructions of the Bank. The sanctioned loan would be disbursed in cash through current deposit account of the borrower. 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. Principal amount of loans under the scheme shall have to be repaid on the agreed date between bank and the borrower. 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. 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

Conditional Ties :

fixed by the concerned land allotting agencies like DHA, MDA, KDA & Cantonment Board etc. 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: Sanction Authority :

Rate of Mark up : Utilization/ Monitoring :

10% current deposit in lieu of equity contribution is obtained from the borrower which should be maintained during the currency period of the loan. 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. Mark up rate of 9% per annum will remain operative with 1% rebate on timely repayment would be charged. 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: Selection of Borrowers : Delivery Channel: Collateral: Rate of Mark up: Documents Required: Working of Revolving limit: Maximum Limit: Loan Disbursement: All over Pakistan Bank MCO Selects the Borrowers keeping in view the criteria fixed for Sada Bahar Scheme Branch/KSSL/Supplier Tangible Securities. 9% p.a with 1% rebate for timely repayment. CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri. Pass Book & 2 Photographs It will be worked out as per crop wise ceilings fixed and revised from time to time. Rs.0.500 million per borrower/party. 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 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. Inputs i.e. seed, fertilizer and pesticides etc.

Repayment:

Loanable 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 Borrowers: All experienced poultry, dairy and fishery farmers who are successfully running Non-farm credit activities. They have clear CIB report. Loan Case File

Documents Required:

Photocopy of CNIC Plan of poultry shed Agricultural Pass Book Two photographs.

Cost of Credit

Equity Contribution: Tangible Security: Maximum Credit Limit Repayment Schedule:

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. 10% of the total amount of working capital. Both movable and immovable property, acceptable as per standing instructions of the Bank. Rs.0.500 Million per borrower/party. 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

Maximum Loan Limit : Borrower Equity: Recovery Period:

Existing/Medium Farmer with 3 years experience Escalators/expanding with above 5 years experience Per sheep/ Goat Per Teddy/ Goat Per Kid 10% of the project cost Fattening Breeding 5 years 6-15

heads 20-50 heads 80-100 heads Rs. 5,000/Rs. 3,500/Rs. 1,200/-

months

White Revolution- ZTBL & Nestl

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. Nestl Pakistan Ltd. have been worked out and an agreement to this effect has been executed. Operational Jurisdiction: Selection of Borrowers: Throughout Punjab Province M/s Nestl identifies the borrowers (existing as well as new dairy farmers) to recommend concerned ZTBL Branch through Model Branch Lahore. Nestl/ ZTBL Branch Tangible Properties CNIC Photocopy, Loan Case File, IB-7 Agreement , Agri. Pass Book & 2 Photograph &

Delivery Channel: Collateral: Documents Required:

Loanable Items/maximum limit:

Building Plan (if dairy structure involves). As per prescribed Upto Rs. 80,000/per Upto Rs.125,000/per Upto Rs. 6,000/ per head

rates head head

Dairy sheds/struct ure

Local Buffalo/Cow

Imported Cow with calf

Working Capital

Maximum Loan Limit: Cost of Credit:

Rs.1 million per borrower/party. 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. Bank arranges insurance of animals through M/s Adamjee Insurance Company Ltd. 10% of the cost of the Project

Insurance of Animals Equity Contribution: Disbursement of Loan:

Loans for sheds and working capital will be disbursed in cash in suitable installments.

Imported cows through Nestl. Local Cow/Buffaloes through pay order/DD in the name of seller.

Allocation of Funds: Monitoring of Loan: Recovery Period:

For the five years 2007-2011 Rs.5 Billion have been allocated to finance 10,000 animals each year. M/s Nestl will carry out monitoring of loan to update the branch periodically. 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: Eligible Farmers: Delivery Channel: Documents Required: Type of Security: Loan Limit: Equity Contribution: Cost of Credit: Mark Up Rate: Incentives: Throughout the country. Existing good dairy farmers duly selected/recommended by PDDC. PDDC/ZTBL Branch/ Supplier. CNIC copy, Loan Case File, Agri. Pass Book & 2 Photographs Agri Land /other Tangible Security. Rs.1.000 Million per borrower/party. 10% of the Project cost Loan Case File Rs.100/-, IB-7 Agreement, Appraisal Fee @1% of loan amount, Postal Charges Rs.500/- per year 9% p.a with 1% rebate for timely repayment. 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: Selection of Borrowers: i. All over Pakistan 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: Collateral: Rate of Mark up: Documents Required: Maximum Limit: Working of revolving limit: Loan Disbursement: Repayment:

Branch Tangible Securities 9% p.a with 1% rebate for timely repayment. CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri. Pass Book & 2 Photographs Rs.0.500 million per borrower/party. The revolving credit limit is fixed to cater production/working capital needs of the borrowers during one year period. The borrower can draw the credit in lump sum or in piece meal according to his need/requirement. 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. Inputs i.e. seed, fertilizer and pesticides Working capital for Poultry, Dairy and Fishery. etc.

Loanable Items:

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: Selection of Borrowers: Delivery Channel : Mark up Rate: Document Required : Collateral: Maximum Credit Limit: Incentive: Repayment: Throughout AJ&K Area Bank MCO Selects the Borrowers on the recommendation of Department of Agriculture, AJ&K Branch/Department of Agriculture, AJ&K 9% p.a with 1% rebate on timely repayment. CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri. Pass Book & 2 Photographs of borrower Tangible Properties Rs.1.000 million per borrower/party AJ&K Government would reimburse the amount of mark up charged by the Bank provided the borrowers repay the loans on due date. 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: Selection of Borrowers: Equity Contribution: Mark up Rate: Incentives: The scheme shall be implemented in the entire area of Azad Jammu & Kashmir through network of ZTBL branches & Azad Kashmir Small Industries Corporation. 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. 10% of the Project Cost Mark up rate is 9% p.a with 1 % rebate on timely repayment All the applicable mark up on the loan installments under

the scheme will be paid to ZTBL by AJ&K Small Industries Corporation. Collateral: Maximum Credit Limit: Repayment/Recovery Period: Tangible Properties Rs.1.000 Million per borrower/party 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 Fruit grader Garden waste chipper MESCE RO Modern agri machinery implements FLAIL MOWER Agro based industries Irrigation machinery Crops orchard Cut flower crops High tech cheaper Technologies Offset rotavator Potato digger Potato grader Potato planter Pruning equipment SALUSTIANA Self Propelled rotary hoe Solar devices Stubble shaver Tunnels Water reel sprinkler Yanmar combine harvester 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 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. SPECIFICATIONS

Grading Disc:Speed variable Power Required:1x 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: 812 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 Power Required: 1x HP + 1 x 1/3 HP

cm)

Self Propelled Rotary Hoe

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

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/ Throw:35 Pipe Length:180 Meter

Sec 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 4Cylinder , 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 Power required: 45- 50 HP

RPM

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 Sada Bahar Scheme under one window operation or otherwise
PER ACRE CREDIT LIMITS

Rs.1.000 Million Rs.0.500 Million

Major Crops: Wheat Paddy (Rice) Sugarcane Cotton Maize Minor Crops: Potato Tobacco Mustard Mung Tomato Mash Lentil Groundnut Sunflower Soyabean Canola Rape Seed Til(Sesame) Suger beet 36000 29000 11000 19000 3000 11000 14000 15000 12000 13000 11000 12500 12000 Bajra Jawar Gram Guara Caster Oil Barlay Berceme Janter Garloc Turmeric Ginger Lacern & Shaftal 11000 11000 12000 3000 6000 9000 4900 4000 26000 25000 30000 4500 16,000 19,000 30,000 21,000 20,000

Mature Orchard/Fruits Crops:

Pear Loquat Plum Apple Papaya Almond Coconut Lichi Cherry Mango Apricot Banana Peach Citrus Growing Orchards SNo. Trees 1 2 3 4 5 6 7 8 9 Mango Citrus Apple Banana Jujuba Guava Coconut Palm Oil Dated

24000 24000 33000 37000 22600 32000 21000 32000 33000 37000 31000 37000 32000 34000

Dates Strawberry Tea Guava Pomegrante Palm Olive Oil Walnut Persimen Zizi Phus(Bher) Melon Water Melon Musk Melon

31000 25000 60000 24000 33000 22000 13000 23000 15000 25000 16000 16000 16000

1st Year 24,000 21,000 23,000 29,000 19,000 21,000 29,000 18,000 33,000

2nd Year 13,000 12,000 12,000 20,000 9,000 12,000 6,000 6,000 12,000

3rd Year 13,000 11,000 12,000 23,000 10,000 11,000 6,000 7,000 11,000

4th Year 13,000 13,000 12,,000 30,000 10,000 13,000 7,000 7,000 12,000

5th Year 14,000 13,000 14,000 26,000 10,000 13,000 8,000 7,000 13,000

Growing Agro Forest Trees SNo. Trees 1st Year 1 Bamboo 34,000

2nd Year 8,000

3rd Year 3,000

Types of Security
Immovable Property

Agricultural Land Under Pass Book System Outside Pass Book System 80% 70%

Under Alienability Certificate Commercial/Industrial Land under Pass Book Outside Passbook System Urban Residential/Commercial Plots in all localities outside Pass Book Alienability Certificate Residential/Commercial Buildings Lease hold rights of a leased land of CDA/KDA with 99 years lease
Movable Property

66% 80% 75% 66% 70% 70%

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Unconditional Bank guarantee from scheduled Banks

Guarantee issued by Central or Provincial Government Government securities Defense Savings & FEB Certificates Fix Term Deposits Receipts NIT Units Life Insurance policies Pledge of Potatoes/Seed Potatoes price or market value which ever is less
Personal Surety

Upto maximum amount of an un-conditional Bank guarantee after keeping sufficient margin for un-paid mark-up, cost, charges and expenses. Full amount of loan plus return and other charges. 85% of face value or market value whichever is less. 75% 85% of face value. 80% of the face value or market value whichever is less. 85% of surrender value Upto 75% of Govt. support
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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 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 Within 8 years in monthly/quarterly or half yearly installments to be decided by Manager in consultation with borrower.

2 New Tractor

No equity but 10% of the loan is to be needed in PLS

Account 3 Used Tractor, -doEquipments/attachments/implements and used tractor 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 Land holding upto 25 acres/loan amount upto Rs.0.2 Million NIL 15%

Land holding beyond 25 acres to 50 acres/loan amount beyond Rs.0.2 Million upto 25% Rs.0.5 Million Land holding beyond 50 acres/loan amount beyond Rs.0.5 Million upto Rs.1 Million. 30%

Repayment Periods
S.No. Types of Loans 1 2 3 Recovery Period Crop production working capital loans recoverable in lump sum 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 Loans installments and within maximum period of 5 years. Tractor, agricultural machinery, poultry farming, godowns and 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 caseto-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 1st 2nd 3rd

Rate of down payment as against due installments to be rescheduled 10% 20% 30%

Board of Directors
Sultan Ali Chaudhry Chairman Board Mr. Muhammad Zaka Ashraf President/ CEO (Brief Resume)

Ms. Nazrat Bashir Director

Dr. Amir Muhammed Director

Mr. Abdul Wajid Arain Director

Mr. Zafar-Iqbal Director

Mr. Muhammad Iftikhar Khan Mohmand Director

Mr. M.Yaqoob Vardag Director

Dr. Khalid Ahmad Khokhar Director

Mr. Mahmood Nawaz Shah Director

Muazam Ali Company Secretary

Official Software
Sr# Software Title Contact Person's Email

1 2 3 4 5 6 7 8 9 10 11 12

Employee Circles HAMS - Hajj Applications Management System ICRMS - Internal Credit Risk Management System IdMS - Identity Management System NIVS - National Identity Verfications System Di-MIS - Dynamic Integrated MIS

qaiser.awan@ztbl.com.pk nahidullah.khan@ztbl.com.pk mehboob.rehman@ztbl.com.pk mehboob.rehman@ztbl.com.pk qaiser.awan@ztbl.com.pk qaiser.awan@ztbl.com.pk qaiser.awan@ztbl.com.pk mehboob.rehman@ztbl.com.pk mehboob.rehman@ztbl.com.pk mehboob.rehman@ztbl.com.pk mehboob.rehman@ztbl.com.pk zmops.lahr@eztbl.com.pk mehboob.rehman@ztbl.com.pk

6.1 Flood Affected Areas

BTSMS - Benazir Tractor Scheme Management System RRIS Regulatory Reporting Information System OPAM Online Performance Appraisal Management VSL Vendors Short Listing System CRM Customer Relationship Management IAMS - Internal Audit Management System

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 ZTBL Dated: 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 visited ZTBL 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, Islamabad 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 Banks 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 Banks Subsidiary to provide different kind of support services Formation of the Banks 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 Raising Goats and Sheep in 1 2 3 4 5 6 7 8 9 10 Pakistan Support and cultivation guide for Peanuts Fooder Preserving guide- Silage Support and cultivation guide for Sesame Seeds Support and cultivation guide for Lentil pulse Support and cultivation guide of Sunflower Support and cultivation guide of Canola and Brassica Support and cultivation guide of Wheat Support and plantation guide for Tea Support and cultivation guide for chick peas

Language Type Size 569 Urdu Urdu Urdu Urdu Urdu Urdu Urdu Urdu Urdu Urdu KB 586 KB 510 KB 448 KB 384 KB 515 KB 2.20 MB 410 KB 171 KB 1.43 MB

Scheme's Brochures

S.No. Brochure Title

Language Type Size 409

Sada Bahar Scheme

Urdu

KB

2.22 2 3 KSB Zarai Turbine User Guide Sairab Pakistan Scheme White Revolution Scheme- ZTBL and Nestl Pakistan Ltd. 4 5 6 7 8 Collaboration White Revolution Scheme Loan Scheme for poultry Urdu Urdu Urdu 636 KB 683 KB 517 KB 191 Loan through one window operation Urdu ZTBL Loan FAQs Urdu KB 1.57 MB Urdu Urdu MB 560 KB

ZTBL BANK BRANCHES - AS ON 15-01-2011 Total Zones: 31 Total Branches: 355 SR# ZONE BRANCH ADDRESS TELEPHONE# PUNJAB ZTBL, ISLAMABAD BRANCH, BLOCK 7/F, ISLAMABAD 051-9252022 1 Islamabad OFFICERS COLONY, G-7/2, ISLAMABAD ZTBL, HEAD OFFICE, 1-FAISAL AVENUE, 051-9252782 Total Br = 13 HO BRANCH ISLAMABAD D-109 NEAR MAIN ATTOCK BAZAR, ATTOCK 057-9316145 CITY NEAR GOVT. HIGH PINDIGHEB 0572-352508 SCHOOL, PINDIGHEB NEAR ISLAMIA HIGH JHELUM SCHOOL, KATCHERY 0544-625703 ROAD, JHELUM MURREE KASHMIR POINT, 051-3410463

OPP. GOVERNOR 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 055-6332375 Gujranwala Alipur Chatha Chatha. D.C.Road Gujranwala. 055-9200206 Total Br = 11 Gujranwala 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. Daska Circular Road, Daska. 052-9200040 Sialkot Pak pura Kutchery Road 052-4292542 Total Br = 7 Sialkot

Kotli Loharan Pasrur Satrah Narowal Shakargarh 4 Lahore Chung

Total Br = 21 Kasur Khuddian K. R. Kishen Chunian Kanganpur Pattoki Ferozewala

Manawala Narang Mandi Nankana Sahib Sangla Hill Sharaqpur Muridke Khanqa Dogran

Sialkot Kotli Loharan Mashrqi 052-3530272 near PTCL Exchange Model Town, Civil 055-6441876 Hospital Road , Pasrur. Gujranwala Road 055-6280344 Satrah. Circular Road Narowal. 054-2412871 Zia Road , Shakar garh. 054-2450922 Near New Khan Petrol Pump, Main Multan 0423-7511219 Road Chung Bhatta Chowk, College 049-9250174 Road, Kasur Depalpur Road, 049-2791195 Khuddian Sabzi Mandi, K.R. 049-2382304 Kishen Muhala Talab Wala, Opp Veternary Hospital, 049-4310019 Chunian Depalpur Road, Ellah 049-4751303 Abad, Kanganpur Main Multan Road, 049-4420055 Pattoki Near Malik Taj Din Building, Shahdara, 0423-7933668 Lahore Main Faisalabad/Sheikhupura 056-3771054 Road, Manawala. Rafiqabad Narang 056-2410117 Mandi Near General Buss 056-2874744 Stand, Nankana Sahib Maher Balocha Road, Near Post Office, Sangla 056-3703056 Hill New Hospital Road, 056-2591022 Shraqpur Shariff Near Tehsil Office, 0423-7981745 Bangla Road, Muridke. Main G. T. Road, 056-3726331 Muhallah Islampur,

Multan Total Br = 8

R. Y. Khan

Total Br = 7

Khanqa Dogran Madina Colony, More Khunda Jaranwala Road, More Khunda Malik Anwar Road, Sheikhupura Civil Lines, Sheikhupura Model Br. 47-C, The Mall, Lahore. 27-C, Old Army Officer Lahore Cantt. Colony, Zarar Shaheed Road, Lahore. Opp. Town Committee Phoolnagar Office, Lumbey Jaggir Road, Phoolnagar Main Jaranwala Road, Syed Wala Syed Wala 61-A, Abdali Road, MULTAN. Multan Vehari Road, M. RASHEED Makhdoom Rasheed Jalalpur Pirwalal Road, SHUJABAD Shujabad Khan Baila Road, JALALPUR Jalalpur Pirwala Shahab Centre, BASTI MALOOK Bahawalpur Road Near Super Chowk, LODHRAN Lodhran Basti Malook Road, DUNYAPUR Dunyapur Lodhran Road, Kehror K. PACCA Pacca Allama Iqbal Rahim yar Khan Town,Church Road Rahim yar Khan H.No181/182,Model Khan Pur Katora Town-A Khan Pur Katora Mehar Abad Shemla Sadiq Abad Point,Nehar Kinara Sadiq Abad H.No. 4/B-1,Town Liaquat Pur Committee, Housing Scheme,Liaquat pur

056-2442473

056-9200091 0423-7312297 0423-6662393

049-4510501 056-2722112 061-9200509 061-4592210 061-4396336 061-4210202 061-4250125 0608-9200039 0608-305279 0608-342624 068-9230050

068-5573079

068-5703546

068-5795309

Main KLP, Road Sanjar 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, SARGODHA 048-9230491 Sargodha SARGODHA. MAIN LAHORE 048-3780041 Total Br = 17 BHAGTANWALA ROAD, 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 NEAR ISLAMIA BHERA MODEL HIGH 048-6691486 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 M.B.DIN SUTSIRA CHOWK, 0546-500562 Sanjar Pur

MANDI BAHA-UDDIN. M.B.DIN - KHARIAN CHALLIANWALA ROAD, CHALLIANWALA. RAILWAY ROAD, P.D.KHAN PIND DADAN KHAN. NEAR AQIL GATE, PINDI BHATTIAN LAHORE ROAD, PINDI BHATTIAN. MAIN ROAD GOJRA, GOJRA DISTRICT Mandi Bahauddin 150-A-O Block Vehari Vehari Danewal Ward No.3, Multan Rd. Total Br = 11 Mailsi House No.25,26,27 Burewala Gulshan-e-Rehman Town Ward No.4 Qutabpur T.S.Pur Rd. Karampur Mailsi Rd. Hasilpur Rd.,Ludden Ludden Tehsil House No.25, St.No.1, Khanewal Block-W, Peoples Colony Kabirwala Jhang Rd.Kabirwala Multan Rd., Abdul Abdul Hakim Hakim, Tehsil Kabirwala ZTBL Mian Channu GT Mian Channu Road Mian Channu. Opp.Govt.Degree Jhanian College for Boys, Jahanian . Arifwala Fausal Town Sahiwal Adda Bunga Hayat Total Br = 9 Bunga Hayat Pakpattan Road Chichawatni 6-E Housing colony Kassowal Zameer colony GT road Noor Shah Faisal Abad Road Adda Noor pur Noorpur Pakpattan Road

0546-590299 0544-210262 054-7531484

0546-588339 067-3362408 067-3410341 067-9200068 067-3692077 067-3696029 067-3691136 065-9200083 065-2410619 065-2441056 065-2664870 065-2210878 457832739 457520107 405485549 405410496 404469133 404018025

10 Okara Total Br = 7

Pakpattan Qaboola Sahiwal Okara Depalpur Haveli lakha Basirpur Gogera Renala Khurd Nol Plot

11 Faisalabad

Chak Jhumra

Total Br = 13 Faisalabad Gojra Jaranwala Kamalia Mamunkanjan Pir Mahal Rajana Town Samundri Sandhilianwali Satiana T.T. Singh Tandlianwala 12 Jhang Jhang

Total Br = 10 Shah Jewana Athara Hazari Shorkot

10-8 Green Town 457372187 Qaboola By pass 457851915 915-D Farid Town 409200424 27-C Lala zar Colony 449200126 Khalil abad colony 444540988 Dehli Multan Road 444775772 Committee Road 444771189 Faisal Abad Road 442662030 6-B Low incom Housing 442621212 scheme Post Office, 12/GD 0442010810 Chiniot Road, Chak 041-8763407 Jhumra Jail Road, Opp. Punjab Medical 041-9210008 College, Faisalabad. Samundri Road, Gojra 046-9200096 Faisalabad Road, 041-4310584 Jaranwala Mal Fatiana Road, 0463-411525 Kamalia. Lakar Mandi, 041-3431791 Mamunkanjan. Gala Mandi, Pir Mahal. 0463-360301 Canal Road, Rajana 0462-262744 Town. Main Faisalabad Road, 041-3422395 Samundri. School Road, 0463-522048 Sandhilianwali. Tadlianwala Road, 041-4600131 Satiana House No.17 St.No.102 Housing Colony No.1, 0462-510712 T.T.Singh Main Road, 041-3441907 Tandlianwala Ayub Chowk Jhang. 047-9200039 Mandi Shah Jewana 0477-641270 Road, Shah Jewana. Bhakkar Road, 180477-645209 Hazari. Cantt Road, Shorkot 0475-310584

city. Faisalabad Road, Chiniot Chiniot. Garh Marharaja Garh Mor G.M. Raja. Old Bus Stand Chiniot Bhawana Road, Bhowana. Mandi Town near Jhang Bhakkar Moore, Bhakkar. Near Housing Colony, Kalurkot Kalurkot. Mohallah Khiaran Wali, Mankera Jhang Road, Mankera. TDA Colony Layyah 13 Muzaffargarh Layyah Jhang Road Choubara Total Br = 11 Choubara Layyah Road Karor Lal Karor Lal Easan Easan Muzaffargarh Jail Road Muzaffargarh Khan Garh Ali Pur Road Khangarh Circular Road, Near Ali Pur Fateh Pur Gate Ali Pur Shahersultan Jatoi Road Shahersultan Jatoi Permet Road Jatoi Kot Adu G.T.Road Kot Adu Sanawan G.T.Road Sanawan M.M.Road Chowk Chowk Munda Munda Multan Road,opposite D.G.KHAN khayyaban-e14 D.G.KHAN sarwar,D.G.Khan College Road,near Total Br = 6 TAUNSA SHARIF Hashim chowk,Taunsa Sharif Indus Highway,Araien KOT CHUTTA Market,kot chutta Indus Highway,Juggan RAJAN PUR khan Market,Rajan pur Indus Highway,near JAM PUR boys degree college,Jam Pur Near Police ROJHAN Station,Rojhan Kachari Road, 15 Bahawalpur Ahmedpur East Ahmedpur East Main Ahmedpur Road, Total Br = 8 Bahawalpur

0476-332811 0475-320578 0476-201039 0453-9200437 0453-200904 0453-410055 0606-412570 0606-440144 0606-810574 066-9200207 066-2610486 066-2700140 066-2620055 066-2591170 066-2242934 066-2250028 066-2210175 064-9260419

064-2602451 064-2843551 0604-688698 0604-567464 0604-610044 062-277820 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 College Road, 063-2274443 16 Bahawalnagar Bahawalnagar Bahawalnagar. House No.39/GI, Balidia 062-2502940 Total Br = 5 Chishtian Colony, 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, 0213-34613618 17 Karachi. Gulistan-e-Johar Gulistan-e-Johar, Karachi. Shafi Court Building, Karachi Branch, Merewether Road, Near 0213-99206006 Total Br = 15 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 Bank Of Thatta Branch. 0298-923024 Pakistan, 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. Near Qasmi Petrol Pump, Wapda Office, Sujawal Branch. 0298-510074 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 Hyderabad 022-9260058 18 Hyderabad No.7 Latifabad Mir Colony Tando Jam 0222-765968 Total Br = 14 Tando Jam 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 Sehwan Sharif Aeroplane Chowk Main 025-4620363

Road Hyderabad. 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 Housing Society 0244-9370115 19 Nawabshah Nawabshah. Nawabshah Bandhi Road Dour 0244-325224 Total Br = 14 Dour 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 025-4660389 Solangi Bhan Saeedabad Near Bunglow Asif Seeta Road 025-4760088 Khan leghari Seeta Road Akhound Muhalla Ghari MEHAR 0254730293 20 Larkana Road Mehar. Near Mukhtiarkar Office 0254720295 Total Br = 18 K.N.SHAH Road K.N.Shah RADHAN Shahi Bazar Radhan. 0254750236 Near Saheed Allah Bux JACOBABAD park Quatta Raod 0722653464 Jacobabad Kotri

THULL SHAHDADKOT KAMBER WARAH MIROKHAN KANDHKOT KASHMORE DOKRI LARKANA NAUDERO KHANPUR SHIKARPUR GARHI YASIN LAKHI 21 Mirpurkhas Mirpurkhas

Total Br = 14 Hingorno Digri Kot Ghulam Muhammad Umerkot Samaro Pithoro Mithi Sanghar

Kandhkot Road Thull. Old Anaj Mandi Shahdadkot Larkana Road Kamber Gaji Khuhawar Road Warah Main Road Mirokhan. Near Main Bazar Kandhkot Soomra Muhalla Kashmore. Moenjodaro Road Dokri Shaheed Benazir Bhutto Building VIP Road Larkana Opposite Govt.High School Nuadero. Main Road Khanpur S.P OFFICE ROAD SHIKARPUR. MARKET ROAD GARHI YASIN Opposite Govt.Grils High School Lakhi Near Chandni Chowk, Mirwaha Road Mirpurkhas Main Khipro sindhri Road Hingorno Ward No.5 Gharibabad, Digri Near Hashmi Masjid, K.G.Muhammad Gulistan Saleem Near Rohal Bus stand Umerkot Kunri Road Samaro Opposite Akri Jama Masjid Pithoro Shoukat Manzil, Diplo Road Mithi Near Police Head Quarter, Hyderabad Road Sanghar

0722610269 0744012788 0744210545 0744060230 0744049320 0722573252 0722576613 07454080296 0749410826 0744047491 0726571025 0726920166 0726572041 0726573035 0233-9290192 02355-22026 0233-869642 0233-866431 0238-571230 0238-551040 0238-541556 0232-261320 0235-542032

Kandiari Shahdadpur Sinjhoro Tando Adam

Khipro Dharaki 22 Sukkur Total Br = 15 Pacca Chang Gambat Agra Town Ghotki Khairpur Kingri Kot Digi Mirpur Mathelo Thari Mirwah Chandiko(Nara) Pano Aqil Sohbo Dero Sukkur Ubauro KHYBER PAKHTUN KAWAH 23 Peshawar Peshawar

Rural health centre 0235-521101 Kandiari Near Hala Chowk, 0235-841239 Shahdadpur Sanghar Road Sinjhoro 0235-531116 Khandoo Road Opp. Civil Court Tando 0235-574328 Adam Near Police Station, Taluka office Road 0235-879237 Khipro G.T Road Ghotki 0723-642577 Garibabad Mohallah a 0243-557020 Station R oa d. 0243-640970 Shahi Bazar, Agra Town 0243-780076 Shanti Nagar 0723-681302 Rahomowali Rd. Katchery Road Khairpur 0243-9280096 Near Dargah Pir jo Goth 243-610110 Main R oa d.Kot 0243-556359 Bunglow Near Sardar Rahim Bux Bozdar Bunglow 0723-651680 M.Mathelo Near DDO, Revenue 0243-790268 Office Near Mujahid Petrol 0243-559045 Pump , Main Chowk Near Mukhtarkar Office, 071-5690547 Pano Akil Main Stand, New 0243-750216 Evershine School Minara Road, Sukkur 071-9310303 Near Shah Petrol Pump 0723-688429 G.T.Road, Chughal Pura, Peshawar Scheme Chowk, Inqilab Road, Badaber, Peshawar Bara Gate, Bara Road,Peshawar Club Road, Nowshera Cantt. 091-2262279 091-2324815 091-5253433 0923-9220037

Total Br = 20 Badaber Bara Nowshera

Charsadda Tangi Shabqadar Mardan Rustam Shergarh Katlang Takhtbhai Swabi Lahore Chota Kohat Karak B.D.Shah

Hangu

Sadda Parachinar 24 D.I.Khan Bannu

Total Br = 11 D.I.Khan Domail

Mardan Road, 091-9220112 Charsadda College Road Near 091-6555263 Police Station, Tangi Matta Road, Near GPO, 091-6281497 Shabqadar Cantt. Colony, Opp. G.P.O, the Mall Road, 0937-866404 Mardan Main Bazar, Rustam 0937-800183 Malakand Road, Shergarh, Near Police 0937-820353 Station Inzergai, Mardan Road, 0937-575367 Katlang Floor Mill Road, 0937-552002 Takhtbhai Jehangira Road, Jamal 0938-221244 Abad, Swabi Jehangira Road, Opp. Tehsil Office, Lahore 0938-300065 Chota House No.13, Sector-IV, 0922-513743 KDA Gate-2, Kohat Main High Way, Opp. Ghalnai CNG, Tangori 0927-210549 Chowk, Karak Opposite Police Station, 0927-333540 Bannu Road, B.D.Shah Opp. Hangu Public School & College, Main 0925-621093 Hangu Tall Road, Hangu Manan Market, Near UBL, Parachinar Road, 0926-520509 Sadda Opposite Zanana 0926-310658 Hospital, Parachinar Near Regal Cinema, 0928-622188 Miranshah Road, Bannu. Prova Adda, D.I.Khan. 0966-718225 Muhammad Din Market, Kohat Road, Main Bazar 0928-653515 Domail.

Essakhel Kulachi Lakki Marwat Mianwali Paharpur Piplan Serai Naurang

Tank 25 Mingora Batkhela

Total Br = 15 Mingora Daggar Timergara Chakdara Khar Alpurai Dargai Dir Matta Behrain Chitral Warijune Booni Drosh 26 Abbottabad Total Br = 7 Abbottabad Haripur

Al-Assad Market, Mianwali Road, 0459-285020 Essakhel. Inside Sheikhi Gate 0966-760363 Kulachi. Mohallah Haqdad Abad near Bus Stand, Lakki 0969-510586 Marwat. PAF Road, Mianwali. 0459-920091 Rangpur Road, 0966-775341 Paharpur. Opposite Grain Market, 0459-201128 Liaqat Abad, Piplan. D.I.Khan Road Opposite Police Graond, Serai 0969-352261 Naurang. Hassan Market near Degree College(Male), 0963-512558 Tank. Nera PESCO, Batkhela 0932-411792 College Colony, Saidu 0946-9240183 Sharif, Swat. Main Bazar Daggar 0939-555466 Balambat Road, uposit Tablighi Markaz, 0945-9250117 Timergara. G.T. Road, Chakdara. 0945-761178 Near Scout Cant, Khar 0942-220903 Bajaur Agency. Main Besham Road, 0996-850034 Alpurai. G.T. Road Dargai 0932-332043 G.T. Road, Dir. 0944-880822 Near Bus Stand, Matta 0946-790095 Main Bazar Behrain 0946-780127 Governor Cottage Road, 0943-412624 Chitral G.T. Road, Warijun 0943-474014 Main Bazar Booni 0943-470032 Main Bazar Drosh 0943-480208 PMA Kakul Road, 0992-9310152 Abbottabad Shakar Shah Road, 0995-610835 Haripur

Mansehra Oghi Balakot Battagram Dassu GILGIT - BALTISTAN GilgitGILGIT 27 Baltistan Total Br = 7 SKARDU GAHKUCH ALIABAD ASTORE KHAPLU CHILAS AZAD KASHMIR 28 Muzaffarabad Muzaffarabad Total Br = 10 Hattian Bagh Haveli Rawalakot Sudhnoti Sehnsa Kotli Mirpur

Bedra Chowk, Main Shahrah-Resham, Mansehra Kutchehry Road, Oghi. Main Bazar, Balakot Main Karakuram Highway, Battagram Kumela Bazar, Dassu. SADAR BAZAR, GILGIT YADGAR, CHOKE SKARDU MAIN ROAD GAHKUCH MAIN ROAD ALIABAD NEAR P.W.D OFFICE ASTORE MAIN BAZAR DANIYAL SHAHID RD, KHAPLU NEAR DC.OFFICE CHILAS

0997-305069 0997-320106 0997-500329 0997-310073 0998-407105 5811920766 5815920268 5814921020 5813920804 5817920289 5816920244 5812920138

Bank Squire Lower 05822-921054 Chatter Muzaffarabad Main Bazar Hattian 05822-922636 (AK) Sudhan Gali Road Bagh 05823-920039 (A.K) Main Bazar Haveli 05823-921773 Kahuta(AK) Katchehry Chowk Near District Courts 05824-920070 Rawalakot(AK) Kotli Chowk 05825-920079 Sudhnoti(Pallandri)(AK) Kotli Road Main Bazar 05826-923066 Sehnsa(AK) Housing Scheme Kotli 05826-920234 (AK) House No-122/K Sector 05827-920426 F/2 Mirpur(AK)`

Bhimber BALUCHISTAN 29 QUETTA QUETTA

Gujrat Road Bhimber (AK)

05828-920507

Total Br = 18 DALBANDIN HARNAI ZIARAT KOHLU LORALAI DUKI K.SAIFULLAH PISHIN MASTUNG KHUZDAR KHARAN ZHOB NUSHKI BARKHAN MUSLIM BAGH KALAT WADH 30 D.M.Jamali Total Br = 7 Sibi D.M.Jamali Jhatpat Usta Muhammad

ZTBL, Banglow No.446-C, Staff College 081-9202939 Road, Quetta Cantt:. ZTBL, Near WAPDA 0825-210244 House, Dalbandin. ZTBL, Mohalla Jala 0833-520042 abad, Harnai. ZTBL, Main Bazzar, 0833-560256 Quetta Road, Ziarat. ZTBL, Afzal Plaza, 0829-667261 Saddar Bazzar, Kohlu. ZTBL, Tehsil Road, 0824-411084 Loralai. ZTBL, Quetta Road, 0824-666360 Duki. ZTBL, Main Bazzar, 0823-610530 Killa Saifullah. ZTBL, band Road, 0826-420100 Pishin. ZTBL, Near Al-Falah 0843-895330 Masjid, Mastung. ZTBL, RCD Road, 0848-412532 Khuzdar. ZTBL, Civil Hospital 0847-510267 Road, Kharan. ZTBL, Baboo Mohallah, 0822-412883 Zhob. ZTBL, Near Govt: Girls 0825-872984 High School, Nushki. ZTBL, Rakhni Sibi 0829-668522 Road, Barkhan. ZTBL, Station Road, 0823-669415 Muslim Bagh. ZTBL, Town Road, 0844-210903 Kalat. ZTBL, Main RCD 0848-500086 Road, Wadh. Jinnah Road Sibi 0833-412866 D.C.Road D.M.Jamali 0838-710445 Quetta Road D.A.Yar 0838-510452 Ali Abad Road Usta 0838-613930

Dhadar Bhag Sohbatpur 31 Turbat Turbat

Total Br = 6

Gwadar

Pasni Panjgur Tump Awaran

Muhammad Quetta Road Rind Ali 0832-415793 (Dhadar) Tehsil Road Bhag 0832-400428 Near Police Station 0838-603230 Sohbatpur Degree College Road, Near B&R Colony, 0852-412147 Turbat Fish Harbour Road, Near GPA Complex, 0864-210094 Gwadar Opp. Riaz Petroleum Service, Main Road, 0863-210508 Pasni Near Wapda Power 0855-641299 House, Citkaim, Panjgur Main Bazzar, Tump. 0852-310067 Har Bazar, Main Road, 0856-511040 Awaran.

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