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The bank has a strong and effective governance framework based on global best practice
Message from the President


Zarai Taraqiati Bank Limited

Zarai Taraqiati Bank Limited (ZTBL) is the largest bank in Pakistan’s agriculture sector, offering a
wide range of banking and financing services to the rural population through its 501 branches and
trained Mobile Credit Officers. ZTBL’s website offers information about its services, corporate
structure, and products, as well as data on the agriculture sector in Pakistan. The bank is also open to suggestions for improving its website and services.


I am pleased to welcome you to virtual home of ZTBL.

Let me introduce that ZTBL is the only Specialized Financial Institution dedicatedly serving the
farming community since last six decades by offering financing and technical services through its
country-wide network of branches. ZTBL has been maintaining highest credit rating of AAA/A-1+ since last 5 consecutive years. To meet the growing needs of the farming community, the Bank has recently introduced various innovative products with special focus on women & youth.

The bank has also joined hands with academia & agriculture research institutes with the common objective to improve agriculture and enhancing its share in overall growth of the country.

The information and technological era has necessitated that each & every information about organization is available on website. ZTBL has endeavored to revamp its virtual page by incorporating broad range of information on its website including its corporate status, products & services, branches as well as ATM locations, investors relations and economic data.

I again express gratitude for visiting our website & look forward to your valuable support and
suggestions for further improvement.


Tahir Yaqoob Bhatti

Group / Divisional Heads
Asad Ullah Habib
Group Head (Operations)/ SEVP
Muhammad Arif
Zahid Hussain
Group-Head (Business)/ SEVP
Muhammad Omer
Group Head (SAM)
Bakar Ahmed
Group Head (HR)
Salman Arshad
Divisional Head (Recovery & SAM Division)
Anjum Abbas
Chief Compliance Officer (CCO) / Divisional Head (COMPLIANCE & ICFR DIVISION)
Waqass Ahmad
Chief Internal Auditor (CIA) / Divisional Head (Internal Audit & Inspection Division)
Zeeshan Mazhar
Chief Digital Officer (CDO) / Chief Information Officer (CIO- A)
Saeed Ahmad
Divisional Head (Technology Operations & Support Division)
Shoukat Mehboob
Divisional Head (Human Resource Division)
Shah Miftahul Azim
Divisional Head (Treasury Division)
Arshad Hassan Awan
Divisional Head (Credit Division)
Tariq Mahmood Talib
Company Secretary
Waseem Majid Malik
Divisional Head (Legal Affairs Division)
Sabahat Batool
Divisional Head (Liability Management & Marketing Division)
Abdul Jabbar Karimi
Divisional Head (Islamic Banking Division)
Mehboob Ur Rehman
Divisional Head (Training & Development Division)
Salman Raza
Divisional Head (Enterprise Risk Management Division)
Tariq Mahmood
Divisional Head (Planning, Research & Technology Division)
Zubair Qayyum
Head (Services Division)