Ghazanfar Bank incorporated on 1st March 2009 after successfully securing commercial bank license from Central Bank of Afghanistan by a leading business house of Afghanistan. Bank, which has its registered office in Kabul, is currently growing with its spread across other provinces. We offer a wide range of banking and financial services designed to offer solutions that meet financial needs of its customers. Our services are uniquely tailored to suit all business financial needs from sole proprietors, partnerships to large corporations. In addition, we provide financing to businesses operating in key sectors of the economy, focusing on providing solutions that will stimulate economic activities.
Some of our products in the bank are described below

       Al-Wadiah Current Accounts

       Mudarabah Saving Accounts

       Mudarabah Deposit Accounts

       Musharikah Certificate

       Current Accounts

       Saving Accounts

       Fixed Deposit or Term Deposit Accounts

       Recurring Deposit Accounts

       Rahat-e-Zindagi

       Internet Banking

       E-Statement

       Mobile Banking

       Safe Deposit Lockers

       SWIFT

       Loan/Credit

       Western Union

       ATM

Al-Wadiah Current Accounts:

Al-Wadiah Current Account operates according to Shariah principles. It provides a safe and guaranteed banking facility whereby customer’s deposit is payable on demand. The Al-Wadiah agreement is based on the contract Al-Wadiah Yad-Damanah (Guarantee) between the depositor and the entrusted party, which is Ghazanfar Bank Islamic Banking Window, as trustee.

Mudarabah Saving Account:

It is based on the principle of Mudarabah. Frequent cash deposit and withdrawal is allowed at any time. Profit if any, will be on minimum balance after three months. Hibbah will be the discretion power of the bank. Bank facilitate customer with certain services of Swift, Mobile banking, E statements, etc.

Mudarabah Deposit Account:

Mudarabah Deposit is for a fixed time of six months and one year. It is based on the principles of Mudarabah and is strictly in conformity with Shariah. Customer is the investor (Rabb Ul Mall) and the Bank is Mudarib (Fund Manager). Bank is using fund of the customer in Halal project under Islamic mode of finance. The profit (if any) at maturity will be distributed among the customers according to as pre- agreed ratio.

Musharikah Certificate:

Both bank and customer will contribute in the pool of fund. Bank will utilize the pool of fund in Halal project under Islamic mode of finance. It will be for six months and one year. If there will be any profit at maturity; it will be distributed according to the proportion of capital invested.

Current Accounts:

These accounts are opened for liquidity and safety of funds and for meeting day to day expenses. Current accounts are opened and maintained primarily by business and commercial organizations.

Saving Account:

These accounts are opened for savings, liquidity and safety of funds and are convenient in making day-to-day expenses and also earning some interest income. These accounts inculcate the habit of thrift in account holders.

Fixed Deposit:

These accounts are opened for investing funds for fixed terms to earn higher interests. Usually deposit for a longer period of time earns higher Interest Rate. The account holders have option of getting periodic payment of interest at quarterly or half yearly intervals or reinvesting the interest to be paid on maturity with the principal.

Recurring Deposit:

When expenses are high, you may not have adequate funds to make big investments. Ghazanfar Bank Recurring Deposits are an ideal way to invest small amounts of money every month and end up with a large fund on maturity. These accounts generally earn higher interest than savings account.

Rahat-e-Zindagi:

The deposit feature and modality shall be as per the existing recurring deposit but with a tenor of 50/100/150 months and an installment of USD 100 or multiple thereof. The customer instead for opting for the maturity value at the end of the tenor shall receive amount equal to half of monthly installment/ equivalent to the amount of monthly installment/twice of monthly installment for the rest of his life. The administration of the account shall be exactly the same as a normal RD Account till maturity and thereafter the maturity amount shall be converted to Bank’s deposit pension corpus for investment. The calculation behind this product is as under,

Amount USD/Installment amount USD 100

Months	Principal Amount	Maturity amount @ 8%	Monthly Pension committed
50	5000	5911	50
100	10000	14151	100
150	15000	25639	200

This as an instrument for social security particularly targeting salaried class who can see this as an option for regular income after retirement

Internet Banking:

Banking could not have been more convenient. Just log in with your user ID and password and make banking a hassle-free routine by checking your account statement from your office or home. The customer can also take out a print of account statement.

E-Statement:

Your time is precious for Ghazanfar Bank. Experience the Ghazanfar Bank’s E-Statement facility which reduces your time and cost of visiting the bank for your account statement. Ghazanfar Bank will send your account statement to your email address weekly, monthly, quarterly, or yearly.

SMS Banking:

Checking your last three transactions or getting to know your balance is as easy as sending an SMS.
Type BAL and send to 2255 for available balance.
Type TRAN and send to 2255 for mini statement or last three transactions.

Safe Deposit Lockers:

Safe Deposit Locker facility is one of the subsidiary services provided by the Bank for keeping the valuables in the safe deposit locker. This provides safety to the valuable belongings of the customers against theft / burglary. Bank provides specially designed lockers kept at specially built strong rooms for keeping the valuables of the customers.
The relationship between the Bank and Customer is that of lesser and lessee.
Locker is operated under double locking system and can be opened with combination of two keys, one with the bank called “Master Key” and the other with the hirer called “Hirer’s Key”. The keys will be identified with an appropriate identification code / number.

SWIFT:

SWIFT, Society for Worldwide Interbank Financial Telecommunication, runs a worldwide network by which messages concerning financial transactions are exchanged among member banks and financial Institutions. Ghazanfar Bank as a member of SWIFT community provides the facility of safe and secure money transfers/ receives, send money from/ to any part of the world at nominal charges.

Loan/ Credit:

At Ghazanfar Bank, we tailor our loan product and services to help meet and realize customers’ business goals and potential. Our approach is based on a disciplined risk culture. We conduct our business with responsibility, integrity, efficiency, transparency, fairness and confidentiality. We adopt a prudent and intelligent approach to risk-taking that appropriately measures the granting of credit on a case-by-case basis.

Western Union:

Sending and receiving money anywhere in the world has never been so easy. Now with Ghazanfar Bank’s customer-oriented employees and Western Union facility, you are just seconds away from showing your care and concern to your dear ones by meeting their urgent money needs on different occasions.

ATM:

Automated Teller Machine allows you to withdraw your money at anytime, in order to facilitate you to access your money at your convenience and meeting your different needs. Ghazanfar Bank in near future will let customers enjoy this facility.

Mobile Banking:

Ghazanfar Bank shall soon launch person-to-person transfer of money through Mobile and host of other interactive services through mobile phones.

Since the bank is in its infancy stage, it doesn’t offer all of the traditional services of a well-established bank. We have entered into a mature market where our competitors are far ahead of us in every aspect. But we believe that our strategy and corporate governance, which has taken us this far in all our business ventures, will do the same for the bank as well. Within six months time we will be introducing Debit Cards, ATM’s, & Credit Cards (MasterCard, VISA). We will also increase our and expand our credit facilities in the near future as well.

We are also planning on starting microfinance operations in our branches. Our Microfinance operations are aimed at the rural and agricultural areas where people need small amount of loan for a short period. Microfinance banking has recently won international acclaim from the banking sector as it has managed to produce greater returns with lesser bad debts. We will also be working in collaboration with foreign organizations to help afghan citizens improve their living standards.

The bank has already opened Ghazanfar Bank Branches in the provinces of Mazar-e-Sharif, Hairatan, Kunduz, and Pul-e-Khumri. By the end of the year 2010 we will open around 30 new branches in Kabul and other provinces of Afghanistan. The bank also plans to build a 7 Storey building, which would serve as the head quarter of Ghazanfar bank.