Treasury

ZTBL Treasury has strived to create a prominent position for itself among the major market players in the Financial Markets. We thereby use experience and expertise in providing balance sheet solutions to our vast and diverse client base by offering competitive deposit rates and a range of Fixed Income products.

We actively operate in the interbank market in Repo/ Reverse Repo, Call and Clean transactions. Trade in government securities through primary and secondary markets.

Going forward, ZTBL treasury is in the process of broadening its product offering and customer base to better facilitate its clients and cater to their ever changing needs.

The Scope and objectives of Treasury Division covers all the Treasury & Investment related activities within ZTBL; whereas the main objectives are as under:

  • To maintain sufficient liquidity for the bank to honor its commitments as they fall due.
  • To maximize overall return on managed assets.
  • To manage liquidity, utilizing excess funds efficiently and arrange/borrow in case of anticipated shortfall
  • To keep ZTBL funding cost as low as possible.
  • ZTBL ability to withTo maintain liquidity in accordance with regulatory requirements.stand immediate liquidity shocks or longer term liquidity management problems depend on its capacity to make rapid decisions using factual data and take timely actions to bridge the funding gap.
  • To establish appropriate early warning signals that will help in identification of the liquidity problems.
  • Government Securities which includes Treasury Bills (T-bills), Pakistan Investment Bonds (PIB) and GoP Ijara Sukuk.
  • TDRs
  • Certificate of Investments
  • To keep ZTBL’s funding cost as low as possible.
  • Certificate of Musharika/Modaraba
  • Term Finance Certificates (TFCs)
  • Corporate Sukuk
  • Mutual Funds Investments
  • Equity Investment
  • Money market activities, Reverse Repo/ Repo/Clean/Call etc

The ZTBL Treasury Division has developed its reputation on professional grounds in financial market of Pakistan mainly in money market in the areas of call placements, Reverse repo transactions, Repo Transactions, Pre-IPO and IPO of Debt securities, Term deposit receipts, Primary and secondary market participation in Governments securities including GOP Ijara Sukuk, Investor portfolio securities services etc. on asset side and on liability and Treasury sales side, Treasury Division provides strong support to its Zones/Branches for competitive profit rates and offer tailor made investment solutions for its clients. Our client base consists of Ministries, private sector corporate clients, Multinational corporations, Banks, DFIs and HNWIs.

ZTBL money market Desk through a team of qualified and experienced professionals contributes in managing the liquidity position of the bank. The team also ensures optimal utilization of the funds by lending and borrowing in the inter-bank market depending on future cash flow projections. Profits are generated by running gaps based on current and future market outlook.



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