Corporate Governance

Corporate Governance in Banks refers to the set of systems, principles, and processes by which a Bank is governed. The bank understands that effective corporate governance practices are essential for achieving and maintaining public trust and confidence in the bank which is so critical for its proper functioning.  Indeed, in addition to the responsibilities to Shareholders, the bank also has a responsibility to the depositors and to other recognized stakeholders.

All the four Shareholders are well-experienced businessmen having exposure to diverse fields/industries and through their regular interaction with the members of the Board of Supervisors, have been guiding the bank for safeguarding interests of all the stakeholders.

Presently the Board of Supervisors (BoS) is composed of five distinguished professionals, of whom four including the Chairman of the Board are independent directors. The Chairman of the BoS is an Indian professional with over 40 years of experience in auditing in India and Afghanistan at very high positions. One newly inducted Board Member, who is an American National is also a Professor of Economics at the American University in Afghanistan. He is a highly qualified professional and having good experience in Finance, Economics and Auditing. Meetings of the BoS are held at regular intervals every month.  The BoS while approving the policies as also through its monitoring at regular intervals ensures that the Bank takes care of the interests of all the stakeholders.

Similarly, the Audit Committee is reconstituted with 5 members. The Chairman of the Audit Committee is an Indian National with over 40 years of experience in Auditing and Accounting. Another member is the Professor at the American University in Afghanistan. The other three members have Chartered Accountants with good experience and have worked/ working with top 4 Audit firms of the world and /or auditing the UN/World Bank projects.  One member is also a renowned systems auditor. Regular meetings of the Audit Committee are held and all internal areas are reviewed by them.

The Chief Risk Officer (CRO), Chief Internal Auditor (CIA) and Chief Compliance Officer are working independently. The CRO is reporting directly to the Board, Chief Compliance Officer and CIA are reporting to the Audit Committee.

The Management Board at the Bank comprises of six well qualified professional members duly approved by the Regulator viz; Da Afghanistan Bank. The members are a perfect blend of experience & youth. Besides being well versed in their respective specialized command areas, they are also having the thorough understanding of general banking. While ensuring implementation of the policies approved by the BoS; they have been taking adequate care of the laws of the land as also that of the stakeholders.

The Bank understands that the good corporate governance inter alia encompasses variety of issues, including the disclosure of information to Shareholders and Board members, the remuneration of senior executives, potential conflicts of interest among managers and directors, supervisory structures and other stakeholders etc. which are being duly addressed by the concerned bodies in discharge of their duties.

To attain the Bank’s objectives the corporate governance framework adopted by the bank practically covers all spheres of the activities such as management, action plans and internal controls to performance measurement and corporate disclosure. This framework basically includes the following:

  • General Meeting of Shareholders
  • Board of Supervisors
  • Management Board &
  • Audit Committee.

However, to improve the quality of decision makings, the bank has also constituted the following committees for detailed analysis of the issues involved by the technical experts:

  • Strategic Planning Committee
  • Asset Liability Management Committee / Risk Management Committee
  • Investment Committee
  • Credit Committee
  • HR Committee
  • Business Process Re-engineering Committee

Log on to Internet Banking

Please click log in to redirect in to internet banking
Log In

Dear Customer, we have migrated to new and improved internet banking facility offering many new services. Existing internet banking users can login with their new passwords sent to them. In case of any issue or more information, please contact your branch.

Rates & Changes

Rate of Interest on Savings Bank Deposit
Savings Bank Accounts AFN USD EUR GBP
Rate of Interest PA* 1.75% 1.00% 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 3.00 2.00 0.00 0.00
From 6 months to less than 12 months 3.25 2.50 0.00 0.00
From 1 year to less than 2 years 3.75 2.75 0.00 0.00
From 2 years to less than 3 years 4.00 3.00 0.00 0.00
From 3 years to 5 years 4.50 3.50 0.00 0.00
* Rates are subject to change

Branch & ATM Locations

Branches Locations
Kabul Branches

Provincial Branches
ATM Locations
Kabul ATM

Provincial ATM

Open Account

Need Data


Need Data