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Azizi Bank – عزیزی بانک

Ankara Square Opposite Turkish Embassy, Main Road

Who We Are

Azizi Bank is one of the Afghanistan™s leading commercial bank with a pan Afghanistan presence across 30 provinces, headquartered at Zanbaq Square-Kabul.

The bank was established in 2006 and today it has a widespread branch network of more than 80 branches including extension counters and more than 100 ATMs. The bank also owns its 100% subsidiary bank “ The Islamic Bank of Afghanistan which has more than 60 branches and more than 30 ATMs and is the first full-fledged Islamic Bank in the country.

What We Are
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 through Western Union and sustainable practices through Responsible banking vide its CSR initiatives.

Azizi Bank has adopted best international practices, the highest standards of service quality and operational excellence and offers comprehensive banking and financial solutions to all its valued customers

Our Banking is steadily evolving as the Professionals™ Bank of Afghanistan with the long term mission of œBuilding the Finest Quality Bank of the World in Afghanistan by 2024.

Azizi Bank™s management is a young & highly qualified team aiming at transforming the banking scenario in the country into a truly professional and pleasurable experience to its customers. The Bank has a strong Corporate Governance structure comprising of the Management Board, Board of Supervisors and an Independent Audit, Risk & Compliance Committees which gives strength and confidence to all stakeholders including the public at large. There is a strong regulatory framework and compliance culture in the Bank, leading to a good corporate governance practice and a true professional environment.

The bank has sustained a very healthy Capital Adequacy Ratio (CAR) of 19.74% by year end 2019, which is an indicative factor of the inherent strength of the organization. It follows a secure and effective policy for growth with maximum returns and cost effectiveness and minimize the risks. It is a highly capitalized bank and offers to the depositors a sound & an effective banking option. The paid up capital of the bank with the Central Bank of Afghanistan is the highest amongst all the banks and which speaks of the bank™s solid foundation and a strong corporate governance policy.

The bank has engaged external consulting firms – Alvarez & Marshal, USA, Ernst & Young, UAE and IFC, UAE to assist on its strategic initiatives and assessment of mandatory Compliance & Corporate Governance requirements.

The bank currently maintains its correspondent banking relationships with banks in India, Turkey, Spain, UAE, Italy & Russia in INR, USD, EURO, GBP & AED.

Our Customer Profile, Products & Services

Customers: Retail, Corporate, Institutional, Government & Embassies


  • Savings & Current Account in USD, Afghani, Euro and GBP
  • Term Deposits in Afghani & USD
  • Royal Current Corporate Accounts
  • Senior Citizen Savings Accounts
  • Kids Savings Accounts
  • Salary Accounts with Zero Balance Facility
  • Master Card: Debit/Credit/Prepaid
  • ATM Cards


  • 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 IndustryFast 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

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 œAZI 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’s 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:

  1. Commitment to Corporate Governance
  2. Board of Supervisors Effectiveness
  3. Control Environment
  4. Disclosure & Transparency
  5. 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.

List of Branches:

1 Main Branch +93 (0) 797888059 Google Map
2 Macroryan +93 (0) 797888012 Google Map
3 Khair Khana 93 (0) 797888014 Google Map
4 Karte Now +93 (0) 797888014 Google Map
5 Karte Parwan +93 (0) 797888015 Google Map
6 Kot-e-Sangi +93 (0) 797888010 Google Map
7 Jada-e-Maiwand +93 (0) 797888033 Google Map
8 Old Macroryan +93 (0) 797888028 Google Map
9 Qalai Fathullah +93 (0) 797888021 Google Map
10 Ministry Of Defence +93 (0) 797888030 Google Map
11 Dasht-e-Barchi +93 (0) 797888029 Google Map
12 Arzan Qimat +93 (0) 797888026 Google Map
13 Kart Seh +93 (0) 797888024 Google Map
14 Dehmazang +93 (0) 797888037 Google Map
15 Charahi Qambar +93 (0) 797888044 Google Map
16 Sarai Shahzada +93 (0) 798777222 Google Map
17 Share Now +93 (0) 798777003 Google Map
18 Taimani +93 (0) 797888045 Google Map
19 Mandawi +93 (0) 797888046 Google Map
20 Metropol +93 (0) 797888057 Google Map
21 Logistic Compound +93 (0) 797888068 Google Map
22 Paghman +93 (0) 797888064 Google Map
23 Kolola Pushta +93 (0) 797888070 Google Map
24 Macroryan 4 +93 (0) 797888072 Google Map
25 Company +93 (0) 797888069 Google Map
26 Panjsad Family +93 (0) 797888075 Google Map
27 Hotel Parwan +93 (0) 797888080 Google Map
28 Shah Shahed +93 (0) 707888077 Google Map
29 Khair Khana Part +93 (0) 797888074 Google Map
30 Khair Khana-315 +93 (0) 797888076 Google Map
31 Sar-e-Kotal +93 (0) 797888073 Google Map
32 Qowai Markaz +93 (0) 797888071 Google Map
33 Wazir Akbar Khan +93 (0) 797888194 Google Map
34 BARON Compound +93 (0) 797999903 Google Map
35 Kotesangi +93797888053 Google Map




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