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. Thereby transforming the bank as a coporate entity to serve as R.F.I The new corporate structure redefines the banks status as a public limited company registered under companies Ordinance1984 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 380 branches is serving around half a million clients annually and over one million accumulated account holders with the average loan size of around Rs.162331 serving 68%, 29% & 3 % of subsistence, economic and large growers respectively. The total assets of the Bank stand at Rs.123 billion with authorized capital of Rs.25 billion as of 31.12.2011, with a nation-wide working strength comprises 5789 employees. The share of ZTBL in total national institutional agricultural credit outstanding is 40% as on 30.06.2013.