In the seven years since it opened its doors, Kabul-based Ghazanfar Bank has established itself as one of Afghanistan’s most innovative and successful financial institutions. The bank has strong product lines in both conventional and Islamic banking, and offers extensive online and mobile banking service.  Recently, Ghazanfar launched a pension plan program and partnered with MasterCard to offer 3D secure internet transactions. As a result of these and other services, fee and commission-income income is rising rapidly, up 33% last year and accounting for more than a quarter of total net income.