Our Profile

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About
About
  • 18

    Years Of Experience

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Azizi Bank, Afghanistan’s largest commercial Bank with a pan Afghanistan presence across 32 provinces, is the outcome of the professional & entrepreneurial commitment of its founder Mr. Mirwais Azizi and its top management team, to establish a high quality, customer centric, service driven, modern Bank helping stabilize and develop Afghanistan banking industry. Starting its operations in 2006, the Bank has expanded its reach and penetration to all the corners of the Afghan geography through its extensive of Branch and Branchless banking network.


Azizi Bank has adopted international best practices, the highest standards of service quality and operational excellence, and offers comprehensive banking and financial solutions to all its valued customers. The bank has a wide spread network of 56 branches including extension counters and have more than 88 ATMs spread across the country. The bank also owns the first full-fledged Islamic Bank in the country - The Islamic Bank of Afghanistan which also have a wide spread distribution of 46 branches and 33 ATMs across the country.


The Bank has invested in technology to improvise on products and services and improve controls. We are the pioneer and the leader in the fields of digital channelization of banking transactions including Mobile Wallet, Branchless banking and POS enabled digital payments across the country. The Bank has an extensive outreach and through its updated technology and dedicated mobile staff teams, has been able to reach out to the millions of needy Afghans to provide humanitarian assistance while implementing projects sponsored by various UN agencies, International and local NGOs. Till now we have issued more than 750,000 pre-paid cards to humanitarian beneficiaries and are paying them regularly through ATMs, POS devices as well Branchless Banking teams station across all Branches. Apart from that, Bank pays more than 250,000 government and non-Government payroll payments per month.


With a total book size close to 455 Million USD, Azizi Bank along with its subsidiary commands a supreme position in the country.


Azizi Bank has been recognized amongst the Top and Fastest Growing Banks by prestigious international media houses and Global Advisory Firms, and has received several international honors for across the globe. The bank caters to various business segments which includes Retail & Corporate Banking, Treasury, Payment & Settlement, Remittance services and sustainable practices through responsible banking vide its CSR initiatives.


With prestigious banking relationships with international bodies like UN, EU, various Embassies, International NGOs, Multinational companies and large corporates, Importers/Exporters and retailers, Azizi bank is the first choice of all sectors of the economy in Afghanistan. Azizi Bank thus focusses on both mass banking (for general masses) and class banking (for niche segments).


The unifying theme at Azizi Bank ever since it started 17 years ago, is its goal-driven investment on technology and innovation. With its strong customer-centric approach, extensive knowledge of the industry, skilled, trained and dedicated employees, Azizi Bank has been successful in becoming the premier bank in Afghanistan.

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    Branches

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    POS Devices

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    ATMs

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    Employees (with 12% of female workforce)

Customers

Products

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    Savings & Current Account in USD, Afghani, Euro and GBP

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    Term Deposits in Afghani & USD

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    ROYALE Current Corporate/Individual Accounts

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    Salary Savings/Current Accounts with Zero Balance Facility

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    Master Cards: Debit/Credit/Prepaid.

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    Domestic ATM Debit Card

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    student loan.

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    RIFA individual/Corporate Loan

Services

  • Money Exchange Services Forex business

  • Collection of Cheque, Instruments, Bills, Documents

  • Issuance of Pay order / Cash Order /Bankers, Cheque

  • Local and International remittance facilities vide SWIFT

  • Fund-based (Term/Working Capital Loans) and Non-fund based facilities e.g. Letters of Credit and Financial/Performance Guarantees for Trade and Industry

  • Fast and Easy transfer of funds through Western Union Money Transfer Services

  • Special Remittance facility to remit in Indian Rupees to any Bank A/C in India

  • Internet Banking

  • Mobile/SMS Banking

  • Payment Gateway Solutions

  • AZIPAY - Mobile Wallet

  • Agency Banking

  • Push SMS Facility: alert for each transaction

  • ATMs

  • MonyGram

Digitalization Phase

Azizi Bank has invested comprehensively on technology in its endeavor for superior customer service. It has procured the world’s top banking software - Flex Cube to migrate from its existing software. These initiatives are taken in order to make our bank much more customer friendly & tech savvy. It is estimated that although 37% of the population lives below the poverty lines, a large segment is mobile savvy with compatible internet facility, especially amongst the young generation. With the introduction of M - Paisa and Mobile Wallets, it is expected that a large share of the money transaction in the country would be routed through the Bank.

On the above lines, Azizi Bank launched the first mobile based wallet application in the country named as “AZI PAY” by which customers can have all facilities of banking including mobile recharge and utility bill payments.

Cash Deposit Machines are launched at selective branches for an effective and much quicker transactions 24*7. Azizi Bank has started agent based banking services aiming towards financial inclusion. It is for the first time that a bank in Afghanistan is reaching out to the unbanked strata of society by sending its agents to their door steps. The agents will carry devices that will support full-fledged banking services including account opening and biometric authentication of customers.

The bank has plans to start merchant acquiring business by setting up a decent network of Point of Sale (POS) devices across the country. These devices will enable the customers to make retail payments using their cards or biometrics. The Bank have launched Payment Gateway solution that will make online shopping possible for the customers using their cards or internet banking.

Our External Engagements

  • Alvarez & Marsal, The United States of America: 2015-2017

    Azizi Bank engaged the Dubai office of one of the top consulting firm headquartered in the US for undertaking an exhaustive review of the policies and procedures of the bank, drafting the strategies of the bank, review the credit portfolio and suggest methodologies for increasing the same as well as suggest improvement in the functioning of the Risk and Compliance department.

  • Ernst & Young: 2019

    Ernst & Young or simply EY is a multinational professional services firm headquartered in London, England, United Kingdom and is one of the largest professional services & consulting firms in the world commonly named amongst the BIG 4. Azizi Bank engaged their Dubai office in 2019 for a complete and comprehensive assessment of the AML processes followed in the bank and the sanctions compliance framework including an onsite visit.

  • International Finance Corporation: 2019

    IFC—a sister organization of the World Bank and member of the World Bank Group—is the largest global development institution focused on the private sector in the emerging markets.

    Azizi Bank engaged IFC, Dubai office for undertaking an exhaustive study and suggest improvements in all the process and procedures involved with the Corporate Governance of the bank. The assessment report addressed the five thematic areas of corporate governance:

      > Commitment to Corporate Governance
      > Board of Supervisors Effectiveness
      > Control Environment
      > Disclosure & Transparency
      > Shareholder Practices

Our Auditors

  • KPMG (Prior to 2011)
  • Grant Thornton International Limited (2011-12)
  • Crowe Horwath (2013-2018)
  • M/S Illyas Saeed Chartered Accountants - An unit of MGI World Wide (2019)

MGI Worldwide is an international network of independent audit, tax, accounting and consulting firms, with more than 5200 professionals in over 260 locations around the world. Today they are one of the world's oldest international networks.

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