Dear Customers,

It has been well said, "When the going gets tough, the tough get going"

Today, we are facing unprecedented difficulties and uncertainties not only in our social life but also in our financial dealings. These moments of extraordinary constraints reinforce the determination of your Team at Ghazanfar Bank to redouble their endeavors to satisfy your banking needs with minimal disruption.

It would reassure you that Team Ghazanfar is seized of the challenges facing us and has taken steps to strengthen its controls in all vital areas. I am happy to share some of these with you:

1. The Risk Management Group has sharpened its focus on Credit, Market and Operational Risk, and Liquidity Risk with a robust Asset Liability Management framework put in place to deal with maturity and duration mismatches.
2. A strong Disaster Recovery Management structure is in place with rigorous periodical testing to ensure its continuing effectiveness.
3. A Business Continuity Plan is in place to ensure that the operations of the Bank can withstand the significant impact of both internal and external disruptions.
4. In the area of Islamic Banking, where we have played a pioneering role with the 1st Islamic Banking Window, our products and processes continue to be closely monitored by highly qualified Sharia'h Board supported well-experienced Executives.  

The strength of our Bank is clearly captured by its best CAMEL Rating awarded by DAB (Da Afghanistan Bank) for four years running. This is also an indicator of the importance we place on ensuring a high quality of Customer Service coupled with a high level of compliance with the Law.

Ghazanfar Bank is fortunate to have a large base of loyal, supportive, and dedicated customers like you. In order to channelize our energies to your service, we have re-prioritized our Strategic Business goals to:

1. Keeping as many of our banking outlets operational as possible.
2. Ensuring the uninterrupted provision of vital services to our customers. 
3. Reaching out to people for their banking needs wherever possible through our branch network.
4. Promoting Remote and Digital Banking for ease of transactions.
5. Devoting our recently upgraded Core Banking System for your service and satisfaction.
6. Providing off-site customized services to clients who are unable to visit our branches. 
7. Striving to reach out to the needy, poor, and underprivileged members of society.

While all care is exercised by our energetic, well-qualified, and dedicated Team to ensure the safety of your funds deposited in trust with us, we have taken further precautions against unforeseeable eventualities that may expose your hard-earned wealth to risk. For this purpose, Ghazanfar Bank has insured your deposits with Afghan Deposit Insurance Corporation (ADIC), which has been set up through enabling legislation, regulation, initial capitalization, and other measures. Apart from ADIC cover for depositors, the Bank has also obtained further ICA insurance coverage for its cash retained in the vault and in transit to enhance the safety of funds. 

Ghazanfar Bank appreciates the crucial role of cash in the economy, down to the household level. Our Team understands the importance of ensuring your unfettered and hassle-free access to your cash and has revised its systems accordingly. As the CEO, I am happy to state that the Board of Management and all the key employees are constantly working to ensure the Bank's operations' stability to provide quality service to our customers. Whether it is a wire payment or instant transfer of funds, our Team is always ready for service as per Central Bank guidelines. Our Bank Network also has sufficient capacity for high-value or bulk deposits you may like to retain or remit.

While the facilities for Customers are under continuous review and revision, Ghazanfar Bank, as a forward-looking institution, is also committed to the future welfare of its constituents. In this connection, we are seriously working on some of the initiatives which will be shared in the future. 

In case any banking services are required, please feel free to reach us at any time by email at info@ghazanfarbank.com or call our offices at +93798786786. You may also chat with us in real-time at your convenience using our interactive website tool.

I thank you on behalf of the Bank for the trust bestowed on us and look forward to being of service.

With best regards, 

Khisrow Fazli 

Chief Executive Officer