Legal Principle & Question Decided

Ruling Summary: This decision was rendered by the Islamabad High Court, officially reported as 2026 CLC 896. In this matter between ZARAI TARAQIATI BANK LTD. and RIAZ ANJUM, EXECUTIVE DIRECTOR, "IN TIME" NEWS AGENCY Honorable Justice Inaam Ameen Minhas Chaudhry Imtiaz Ahmed , Zakaullah Khan Niazi, the court adjudicated key questions of statutory construction, procedural regularity, and legal precedent under Pakistani law.

Core Holding: The honorable bench evaluated governing statutory provisions and judicial authorities to establish the rights of the parties, delivering the binding reasoning set out below.

Full Judgment Text & Judicial Ruling

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1\";\r\n\tmargin:0in;\r\n\tmargin-bottom:.0001pt;\r\n\tmso-pagination:none;\r\n\tmso-layout-grid-align:none;\r\n\ttext-autospace:none;\r\n\tfont-size:10.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-fareast-font-family:\"Times New Roman\";}\r\nspan.CharacterStyle2\r\n\t{mso-style-name:\"Character Style 2\";\r\n\tmso-style-parent:\"\";\r\n\tmso-ansi-font-size:10.0pt;}\r\nspan.CharacterStyle1\r\n\t{mso-style-name:\"Character Style 1\";\r\n\tmso-style-parent:\"\";\r\n\tmso-ansi-font-size:15.5pt;\r\n\tfont-family:\"Bookman Old Style\";\r\n\tmso-ascii-font-family:\"Bookman Old Style\";\r\n\tmso-hansi-font-family:\"Bookman Old Style\";}\r\np.Style3, li.Style3, div.Style3\r\n\t{mso-style-name:\"Style 3\";\r\n\tmargin-top:27.0pt;\r\n\tmargin-right:.1in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:0in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-align:justify;\r\n\tline-height:150%;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:15.5pt;\r\n\tfont-family:\"Bookman Old Style\";\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";}\r\nspan.HeaderChar\r\n\t{mso-style-name:\"Header Char\";\r\n\tmso-style-parent:\"\";\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-ascii-font-family:\"Times New Roman\";\r\n\tmso-hansi-font-family:\"Times New Roman\";}\r\np.Default, li.Default, div.Default\r\n\t{mso-style-name:Default;\r\n\tmso-style-parent:\"\";\r\n\tmargin:0in;\r\n\tmargin-bottom:.0001pt;\r\n\tmso-pagination:widow-orphan;\r\n\tmso-layout-grid-align:none;\r\n\ttext-autospace:none;\r\n\tfont-size:12.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tcolor:black;}\r\nspan.HeaderChar1\r\n\t{mso-style-name:\"Header Char1\";\r\n\tmso-style-noshow:yes;\r\n\tmso-style-locked:yes;\r\n\tmso-style-link:Header;\r\n\tmso-ansi-font-size:12.0pt;\r\n\tmso-bidi-font-size:12.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";}\r\np.Style4, li.Style4, div.Style4\r\n\t{mso-style-name:\"Style 4\";\r\n\tmargin-top:0in;\r\n\tmargin-right:23.4pt;\r\n\tmargin-bottom:.05in;\r\n\tmargin-left:0in;\r\n\ttext-align:right;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:13.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tfont-style:italic;}\r\np.Style25, li.Style25, div.Style25\r\n\t{mso-style-name:\"Style 25\";\r\n\tmargin-top:.15in;\r\n\tmargin-right:0in;\r\n\tmargin-bottom:30.6pt;\r\n\tmargin-left:0in;\r\n\ttext-align:justify;\r\n\tline-height:27.0pt;\r\n\tmso-line-height-rule:exactly;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:12.0pt;\r\n\tfont-family:Verdana;\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";}\r\np.Style11, li.Style11, div.Style11\r\n\t{mso-style-name:\"Style 11\";\r\n\tmargin-top:.15in;\r\n\tmargin-right:0in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:.6in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-align:justify;\r\n\ttext-indent:.05in;\r\n\tline-height:18.0pt;\r\n\tmso-line-height-rule:exactly;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:11.0pt;\r\n\tfont-family:Verdana;\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";\r\n\tfont-style:italic;}\r\np.Style17, li.Style17, div.Style17\r\n\t{mso-style-name:\"Style 17\";\r\n\tmargin-top:19.8pt;\r\n\tmargin-right:0in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:0in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-align:justify;\r\n\ttext-indent:.05in;\r\n\tline-height:200%;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:12.0pt;\r\n\tfont-family:Verdana;\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";}\r\np.Style5, li.Style5, div.Style5\r\n\t{mso-style-name:\"Style 5\";\r\n\tmargin-top:12.6pt;\r\n\tmargin-right:0in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:.5in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-indent:.05in;\r\n\tline-height:110%;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:12.0pt;\r\n\tfont-family:Calibri;\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";}\r\np.Style6, li.Style6, div.Style6\r\n\t{mso-style-name:\"Style 6\";\r\n\tmargin-top:16.2pt;\r\n\tmargin-right:0in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:0in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-align:justify;\r\n\tline-height:21.0pt;\r\n\tmso-line-height-rule:exactly;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:12.0pt;\r\n\tfont-family:Calibri;\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";}\r\nspan.FooterChar\r\n\t{mso-style-name:\"Footer Char\";\r\n\tmso-style-noshow:yes;\r\n\tmso-style-locked:yes;\r\n\tmso-style-link:Footer;\r\n\tmso-ansi-font-size:12.0pt;\r\n\tmso-bidi-font-size:12.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";}\r\np.Style13, li.Style13, div.Style13\r\n\t{mso-style-name:\"Style 13\";\r\n\tmargin-top:0in;\r\n\tmargin-right:.1in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:1.8in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-align:justify;\r\n\ttext-indent:.05in;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:12.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tcolor:black;}\r\nspan.CharacterStyle3\r\n\t{mso-style-name:\"Character Style 3\";\r\n\tmso-style-parent:\"\";\r\n\tmso-ansi-font-size:14.0pt;\r\n\tcolor:black;\r\n\tfont-style:italic;\r\n\tmso-bidi-font-style:normal;}\r\np.Style9, li.Style9, div.Style9\r\n\t{mso-style-name:\"Style 9\";\r\n\tmargin-top:.15in;\r\n\tmargin-right:.05in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:1.5in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-align:justify;\r\n\tline-height:31.2pt;\r\n\tmso-line-height-rule:exactly;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:13.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-fareast-font-family:\"Times New Roman\";}\r\np.Style22, li.Style22, div.Style22\r\n\t{mso-style-name:\"Style 22\";\r\n\tmargin-top:16.2pt;\r\n\tmargin-right:.05in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:.05in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-align:justify;\r\n\tline-height:31.2pt;\r\n\tmso-line-height-rule:exactly;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:13.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-fareast-font-family:\"Times New Roman\";}\r\np.Style23, li.Style23, div.Style23\r\n\t{mso-style-name:\"Style 23\";\r\n\tmargin-top:0in;\r\n\tmargin-right:0in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:1.5in;\r\n\tmargin-bottom:.0001pt;\r\n\tline-height:15.0pt;\r\n\tmso-line-height-rule:exactly;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:13.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-fareast-font-family:\"Times New Roman\";}\r\np.Style10, li.Style10, div.Style10\r\n\t{mso-style-name:\"Style 10\";\r\n\tmargin-top:12.6pt;\r\n\tmargin-right:.5in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:2.5in;\r\n\tmargin-bottom:.0001pt;\r\n\ttext-align:justify;\r\n\tline-height:16.2pt;\r\n\tmso-line-height-rule:exactly;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:12.5pt;\r\n\tfont-family:\"Bookman Old Style\";\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";\r\n\tfont-style:italic;}\r\nspan.CharacterStyle5\r\n\t{mso-style-name:\"Character Style 5\";\r\n\tmso-style-parent:\"\";\r\n\tmso-ansi-font-size:12.5pt;\r\n\tfont-family:\"Bookman Old Style\";\r\n\tmso-ascii-font-family:\"Bookman Old Style\";\r\n\tmso-hansi-font-family:\"Bookman Old Style\";\r\n\tfont-style:italic;\r\n\tmso-bidi-font-style:normal;}\r\np.Style12, li.Style12, div.Style12\r\n\t{mso-style-name:\"Style 12\";\r\n\tmargin-top:1.8pt;\r\n\tmargin-right:0in;\r\n\tmargin-bottom:0in;\r\n\tmargin-left:.05in;\r\n\tmargin-bottom:.0001pt;\r\n\tmso-pagination:none;\r\n\ttext-autospace:none;\r\n\tfont-size:9.0pt;\r\n\tfont-family:Verdana;\r\n\tmso-fareast-font-family:\"Times New Roman\";\r\n\tmso-bidi-font-family:\"Times New Roman\";\r\n\tfont-style:italic;}\r\nspan.CharacterStyle6\r\n\t{mso-style-name:\"Character Style 6\";\r\n\tmso-style-parent:\"\";\r\n\tmso-ansi-font-size:9.0pt;\r\n\tfont-family:Verdana;\r\n\tmso-ascii-font-family:Verdana;\r\n\tmso-hansi-font-family:Verdana;\r\n\tfont-style:italic;\r\n\tmso-bidi-font-style:normal;}\r\np.Style14, li.Style14, div.Style14\r\n\t{mso-style-name:\"Style…

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