CIA, CRO, CCO and CIO

Chief Internal Auditor: Mr. Mohammad Munir Khan

Mr. Mohammad Munir Khan is a certified Internal Control Auditor (CICA) from US. He is an MBA (Banking & Finance), MA (English) & LL.B. with Diploma in Islamic Banking and Insurance from Institute of Islamic Banking and Insurance, London UK.

Mr. Khan has worked as Auditor & Team Leader for branches & Management audit of different departments including international audit for more than 20 years in one of the largest Bank (Habib Bank Ltd) of Pakistan. Mr. Khan is also a Certified Course Leader/Master Trainer in Customer Service by Up Your Service College, Singapore. As Master Trainer he has conducted/trained more than five hundred Bank staff including Front Office personnel and Executives viz a viz customer service. He has also worked as English Teacher at Pakistan Air Force Inter College Risalpur, KPK Pakistan.

In his last assignment he worked as Senior Auditor at Habib Bank Ltd, Pakistan since Jan 2005. Mr. Khan carries rich experience of internal Audit since 1995 covering 20+ years’ in Internal Audit of commercial Bank. He is having experience in Audit of Branches and Departments in all areas of Banking including Credit, IT, Finance, Trade, Operations etc. and is involved in statutory Audit of the Bank. He has developed Audit Plans, guidelines and manuals besides conducted various fraud & foregeries investigations. He has been approved by DAB on 20th Oct 2014 and joined Azizi Bank as Chief Internal Auditor on 30th November 2014.

Chief Risk Officer: Ms. Ewa Janikowska

Ms. Janikowska is a banker with over 20 years of experience in executive and advisory roles, focusing on operational, quality, risk, compliance and internal audit management. She has provided services to large financial groups and small boutique firms, banks and investment firms, mainly in Europe and the Middle East. Her professional experience covers corporate and investment banking, asset management, brokerage, retail and consumer finance, credit cards, insurance, micro-finance and remittance services.

Ms. Janikowska holds MBA degree from the University of Illinois, and has been certified as ISO 31000 Risk Manager and ISO 27000 Social Responsibility Manager. Since 2011, she has been appointed a court expert in banking, compliance and risk management. Throughout her career, Ms. Janikowska has sat on the boards of different financial institutions (banks and investment companies), and has held the positions of Chief Risk Officer and Chief Compliance Officer. Further, she has worked for public and NGO entities, and advised private businesses on corporate social responsibility, social entrepreneurship and financial inclusion.

Ms. Janikowska is a former member of the Management Board of the Polish Bank Association (2005–2008) and the Banking Arbitrage Council (2005-2008). In 2008 she was awarded the Honorary Badge of the Polish Bank Association for her contribution to the banking community, and since 2012 she has acted as the Ambassador of Women Entrepreneurship. Since 2013, she has been the microfinance advisor to the Conference of Financial Enterprises.

Ms. Janikowska is an economist committed to social issues, a strong believer that passions change the world. Since 2009, she has been a publisher and promoter of Muhammad Yunus, Social Innovator and Nobel Peace Laureate. She is also the mother of two wonderful young women who take future into their hands.

Chief Compliance Officer: Mr. Santhosh Sebastian

Mr. Santhosh Sebastian is a Certified Anti-Money Laundering Specialist (CAMS) from ACAMS US, Certified Financial Crime Specialist (CFCS) from ACFCS. He is an MBA (International Business) from Edith Cowan University Australia, LLB (Specialized in Corporate Law, Cyber-crimes & Cyber-security) along with a bachelor in Economics.

Mr. Sebastian has worked as Senior Legal Consultant (Regulatory Compliance) in India and UAE for more than nine years. He has also worked with Barclays Bank PLC in corporate banking department, dealt with corporate clients and handled compliance issues.

Mr. Sebastian brings with him his rich experience in Legal, regulatory compliance and knowledge in International AML laws and best practices in the industry.

He has been approved by DAB on 8th April 2017 and joined Azizi Bank as Chief Compliance Officer on 15th April 2017.

Chief Information Officer: Mr. Samit Kumar Bhatnagar

Mr. Samit Kumar Bhatnagar is a MBA (Finance), B.Com and Certified Associate of the Indian Institute of Bankers (CAIIB) from the Indian Institute of Banking and Finance. Certified PMP®, PRINCE2® and ITIL®, having 15+ years of techno functional experience in Banks and IT Companies. He had previously worked with Canara Bank, Central Bank of India, IDBI Intech Ltd, TCG Software Services and FIS in the Indian IT industry. He specializes in Alternate Banking Channels including ATM, Internet/Mobile banking, Card Management and E-Commerce. He also has experience in Core Banking implementation, Retail banking operations and Financial Inclusion initiatives.

His major projects included migration of 1600+ ATMs, EMV (chip) card issuance, Mobile Banking implementation and Afghanistan Payment Systems (APS) onboarding. In his previous stint as Head-Delivery Channels for Azizi bank since 2014 to 2016, he set up the ATM operations team, systems and procedures related to ATM and card management. He also launched the Insta-Cards, Green Channel, procured MasterCard membership and implemented many other innovative solutions in Afghanistan.

He re-joined the bank on February 2017 as Head- Projects & Consultants and presently is the Chief Information Officer of the bank since October 2017. His responsibilities include the overall project management and execution of the technical innovations, overseeing the IT and ADC departments in addition to guiding the IT department in terms of operational excellence and strict governance.

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Rates & Changes

Rate of Interest on Savings Bank Deposit
Savings Bank Accounts AFN USD EUR GBP
Rate of Interest PA* 2.50% 1.75% 0% 0%

Rate of Interest on Fixed Deposits
Time/Fixed Deposits - FD-MBFD / EASY FD Schemes*
Deposit Scheme AFN % PA* USD % PA* EURO % PA* GBP % PA*
From 3 months to less than 6 months 4.50 4.00 0.00 0.00
From 6 months to less than 12 months 4.75 4.25 0.00 0.00
From 1 year to less than 2 years 5.00 4.50 0.00 0.00
From 2 years to less than 3 years 5.25 4.75 0.00 0.00
From 3 years to 5 years 6.00 5.00 0.00 0.00
* Rates are subject to change

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