Transformation of Risk Management in Specialised Financial Institution of Pakistan dealing in Agricultural Finance


  • Mirza Muhammad Ali Baig
  • Dr. Saima Batool
  • Muhammad Usaid Khan
  • Yasir Khan


Non-Performing Loans, delinquency ratio of Bank, Basel regulations, Liquidity and Credit risk modeling, Pakistan


The rational of this study investigated the risk management practices (RMP) of agricultural
baking. Therefore evidences reserved from the Zarai Taraqiati Bank Limited of Pakistan (ZTBL).
For precision two fold techniques for gathering of data used; from formal questionnaires and
individual interviews using judgmental sampling.Various econometric and statistical tools
applied to test hypotheses. Findings reveal the regressive approach of the management and staff
towards Risk Management. So comprehensive policy is required to reframe it including training
of overall staff about Basel Accord and risk-averse mechanism. ZTBL has a big network of 32
Zones, but the study comprised ofsmall sample from three Zones. Agricultural Credit has a vital
role in agro-based economy of Pakistan. Sothe remodeling of RM in ZTBL is duly favorable for
regulators, academicians, management and the farmers’ communities. It is deemed as an
importantstudy to empirically explore the RM in Agricultural Credit of Pakistan.







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