Afghanistan International Bank is the largest, most profitable private bank in Afghanistan and the only Afghan bank with international transfer to all countries with its head office in Kabul. The bank has thirty-seven branch offices in the major cities of the country. Afghanistan International Bank operates primarily as a commercial wholesale bank and targets multilateral organizations, united nations entities, non-government organizations, embassies, foreign military forces, Afghan governmental institutions, foreign and domestic companies to become their clients. Afghanistan International Bank holds $790 million in deposits - about 20% of Afghanistan’s deposit base. The Wall Street Journal has described the company as one of the country's biggest lenders in Afghanistan. The bank operates from AIB House, which is located in Third Microryan, Hamid Karzai International Airport Road of Kabul City. Bank has its branches in Kabul, Mazar-e-Sharif, Herat, Kandahar, Jalalabad, Kunduz, Pole-e-Khumri, Helmand, Nimruz and Khost.

1. Presented By: Mr. Mohammad Asif Nasseri
Presented To: Dr. Manu Sharma – Assistant Professor, UIAMS, Panjab University - Chandigarh
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2. A Walk Through
Afghanistan International Bank
Vision, Mission and Objectives
Products and Services
Ways To Afghanistan International Bank
Board of Supervisors
Financial Statements
Key Documents
Latest News
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4. Afghanistan International Bank
Afghanistan International Bank is the largest, most profitable private bank in Afghanistan and
the only Afghan bank with international transfer to all countries with its head office in Kabul.
The bank has thirty seven branch offices in the major cities of the country.
Afghanistan International Bank operates primarily as a commercial wholesale bank and targets
multilateral organizations, united nations entities, non-government organizations, embassies,
foreign military forces, Afghan governmental institutions, foreign and domestic companies to
become their clients.
Afghanistan International Bank holds $790 million in deposits - about 20% of Afghanistan’s
deposit base. The Wall Street Journal has described the company as one of the country's biggest
lenders in Afghanistan.
The bank operates from AIB House, which is located in Third Microryan, Hamid Karzai
International Airport Road of Kabul City. Bank has its branches in Kabul, Mazar-e-
Sharif, Herat, Kandahar, Jalalabad, Kunduz, Pole-e-Khumri, Helmand, Nimruz and Khost.
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5. Vision,
Mission and
Objectives of
Afghanistan
International
Bank
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7. Vision of Afghanistan International Bank:
The Afghanistan International Bank aspire to remain the most reputable financial institution and
bank of choice in Afghanistan.
Mission of Afghanistan International Bank:
The mission of Afghanistan International Bank is to foster economic development in
Afghanistan to be a catalyst for growth and ultimately contribute to the prosperity of the
country and its people.
The Afghanistan International Bank’s Objective is to be at the heart of our personal customers'
financial lives while delivering exceptional customer experience. We have strong market shares
in products for our personal customers in Afghanistan and we provided 60,000 personal loans
in the preceding and succeeding years.
Objective of Afghanistan International Bank:
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8. Products and
Services of
Afghanistan
International
Bank
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9. Products and Services of Afghanistan International Bank
• Accounts
• Cards
• Payments
• Consumer Loans
Personal
Banking
Services
• Accounts
• Cards
• Large Corporate
Business
Banking
Services
• Qard Current Account
• Mudarabah Savings Account
• Mudarabah Term Investment Deposit
Islamic
Banking
Services
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10. Personal Banking Services
The Afghanistan International Bank means by Personal Banking Services something for everyone in any
circumstance, banking for yourself either as a couple. The services being provided by Afghanistan International Bank
through Personal Banking are:
Services
of
Personal
Banking
Accounts
Cards
Payments
Consumer
Loan
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11. Business Banking Services
The Afghanistan International Bank means by Business Banking Services step on to the international stage, forward
thinking with freedom to expand across the world. The services being provided by Afghanistan International Bank
through Personal Banking are:
Accounts
Cards
Large
Corporate
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12. Islamic Banking Services
The Afghanistan International Bank means by Islamic Banking Services strive to make banking available to
everyone and with islamic banking – the bank can offer products and services that suit customers. The services
being provided by Afghanistan International Bank through Personal Banking are:
Qard Current
Account
Mudarabah Savings
Account
Murabaha
Financing
Mudarabah Term
Investment Deposit
Services of
Islamic
Banking
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13. Ways
To
Bank
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14. Ways To Afghanistan International Bank
There are various ways through which the potential customers can access Afghanistan International Bank
extracurricular services, which are:
Ways To
Afghanistan
International
Bank
Internet
Banking
Electronic
Commerce
SMS
Banking
Point
of
Sales
Automated
Teller
Machines
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15. Board
Of
Supervisors
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16. Board of Supervisors of Afghanistan International Bank
Hamidullah A Mohib - Shareholder-appointed Member
of the Board of Supervisors, Member of the
Compensation Committee, Member of the Risk
Committee.
Ronald Stride - Independent Director, Chair
of the Planning and Strategy Committee,
Member of the Remuneration Committee, the
Nominating Committee, the Risk Committee,
and the Investment Committee
Lutfullah Rahmat - Shareholder-
appointed Member of the Board of
Supervisors, Member of the Strategy and
Planning Committee.
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17. Board of Supervisors of Afghanistan International Bank
Veronica John - Independent Director, Chair of
the Remuneration Committee and the Nominating
Committee, Member of the Planning and Strategy
Committee
Salman Shoaib - Independent Director,
Chair of the Investment Committee,
Member of the Remuneration Committee
and Nominating Committee
Aditya Srivastava - Independent
Director, Chair of the Risk Committee,
Member of the Planning and Strategy
Committee and the Investment
Committee
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18. Financial
Statement
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26. Key
Documents
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27. Key Documents of Afghanistan International Bank
Article of
Association
Board of
Director
Written
Resolution
Central Bank
License
Certificate
Afghanistan
International
Bank Related
Party Policy
The Wolfbergs
Group
Questionnaire
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28. Latest
News
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29. Citi and Afghanistan International Bank Enter into Banking Agreement
Citi Bank announced that it’s Global Transaction Services business entered into a banking agreement with
Afghanistan International Bank headquartered in Kabul. The arrangement will strengthen the ability of
Global Transaction Services to execute payment transactions to support sustainable banking in
Afghanistan.
Global Transaction Services - a division of Citigroup's Institutional Clients Group offers integrated cash
management, trade, securities and fund services to multinational corporations, financial institutions and
public sector organizations around the world. With a network that spans more than 100 countries,
Citigroup's Global Transaction Services supports over 65,000 clients. As of the third quarter of 2010, it
held on average $340 billion in liability balances and $12.4 trillion in assets under custody.
Since Afghanistan International Bank was founded in 2004, it has developed into a fully operational
commercial bank, offering a broad range of products and services including access to ATMs and Internet
banking for local and foreign customers. From the beginning its major objectives have been to assist in
developing the Afghan economy and to build banking capabilities in accordance with international
governance standards, according to Khalilullah Sediq, Chief Executive Officer of Afghanistan
International Bank. "By the end of 2010 we will have 23 branches in the country and offer all major retail
and corporate banking services," said Sediq. 29