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Key Departements

Operations Department

The popular image of operation is one of slick, fast-moving back office support. But it can only work if the right processes are in place to back them up. That’s where Operations comes in. A core function of Operations is to control and manage the processing of transactions made by various other departments/branches of the bank . Operations is a non-revenue making department but it couldn’t be more vital. In helping to streamline the processes used by the front office (the revenue generating part of the bank) it can save the bank millions. Operations also oversees many regulatory requirements of the bank, as well as resolving discrepancies occurred during transactions processing. In summary, it shouldn’t be surprising that Operations is often viewed as the engine of the bank. It works across the whole organization to meet the operational challenges of processing transactions, settling trades and satisfying the needs of colleagues and clients across multiple time zones in all major currencies. In a bank this is a huge undertaking with responsibility for millions of transactions every day.

Centralized Operations:
Operation Department is headed by a Chief Operating Officer and Deputy Chief Operating Officer. For any enquires on operational issues such as:
  • 1. Branches related service delivery issues.
  • 2. Remittance Inward/Outward and Clearing settlement.
  • 3. Treasury Operations.
  • 4. Western Union.
You may reach to the following official:
Mr. Adul Mateen Khepelwak
Deputy Chief Operating Officer.
Mobile No: + (93) 792550066

Marketing is a very important aspect in business since it contributes greatly to the success of the organization. Production and distribution depend largely on marketing. Many people think that sales and marketing are basically the same. These two concepts are different in many reasons. Marketing covers advertising, promotions, public relations, and sales. It is the process of introducing and promoting the product or service into the market and encourages sales from the buying public. Sales refer to the act of buying or the actual transaction of customers purchasing the product or service.

Advertising is a form of communication intended to persuade an audience (viewers, readers or listeners) to take some action with respect to products, ideas, or services. Commercial advertisers often seek to generate increased consumption of their products or services through "branding," which involves the repetition of an image or product name in an effort to associate certain qualities with the brand in the minds of consumers. Bakhtar Bank’s Marketing Department is consisting of three key sub-sections of Sales, Media, and Public relations and is being headed by the Dy. CMO. In case of any further information please contact:

Saleem Rahimi
Mobile No: +(93) 792990099
IT Department

IT Department PDF Print E-mail Information Technology is the back bone of modern banking. Bakhtar Bank has dedicated professional team of 10+IT staff I.T department is headed by a Manager (I.T) and guided by an I.T Adviser. I.T department of the Bank is providing all kinds of latest technology to the Bank
For any I.T /Network related issues please contact:

Abdul Qayum Karimi
IT Manager

Mobile No: +(93) 792990088


Corporate Lending Afghanistan is a developing economy. It has got lot of natural resources and people of the country are enterprising. The country has been ravaged by disturbances in the past. The country is now poised for recovery and is standing at the doorstep of economic growth. Every business needs bespoke funding to fit its strategic aims. That’s why we make it our business to understand your objectives before working out the best solution with you. The solutions we provide recognise the importance of devising funding packages that really do help our customers respond to their challenges.

Credit Facility:
Term Loan
SME/Retain Trade
Housing Loan
Term Loans:
A Term Loan is normally allowed for the purpose of acquisition of fixed assets. A term loan is an advance allowed for a fixed period either in lump sum or in installments and which is repayable according to a schedule of repayment as against on demand and at a time. A term loan is granted for a period of 3 years and above but not exceeding 10 years except in case of scheme specific advance e.g. Housing Loan, where repayment period of more than 10 years is permitted.

A term loan is granted for a specific purpose and is repayable in amounts and over a length of time agreed between you and your Commercial Manager.

Overdraft Facility:

A cash-credit is an arrangement to extend short term working capital facility under which the Bank establishes a credit limit and allows the customers to borrow money upto a certain limit. The customer need not draw at once the whole of the credit limit approved but can withdraw from his cash-credit account as and when he needs the funds and deposit the surplus cash/funds/ proceeds of sale etc., into the account. Such a facility shall be permitted only against primary security consisting of land, building, machinery, inventory and receivables and/ or tangible, intangible collateral consisting of land and building and third party guarantees respectively. An approved facility on your business current account to help you cover unexpected expenses and can help you manage your cash flow with greater ease. It essentially provides working capital to fund your business operational needs to an agreed amount.
SME/ Retain Trade
Our Bank is committed to build Afghanistan through helping the entrepreneurs. However, the Regulatory, Legal framework needs reforms. Compliance of rules and regulations is lacking. Banks have to work with the handicap of unauthenticated information. The audited Balance Sheet and/or tax returns are seldom available. Keeping in view the constraints the mortgage loan scheme for business purposes the Bank has approved the Small and Medium Enterprises (SME) Scheme for financing (Retain Trade). BAKHTAR BANK is continuously working to identify ways to serve you better and to simplify your banking affairs. That’s why we always seek to be the pioneers in introducing more innovative and customized banking services that accommodate with your personal requirements and aspirations. Our Trade Finance services include a full range of import, export and guarantee products, thus offering tailor-made solution to fit the individual need of each customer.

Letter of Guarantee/ Stand by L/Cs

A written undertaking issued by a bank in favour of the receiver or an applicant (Importer) of the goods or services, to pay a fixed sum of money at a specific date to a specific party.
Letter of Credit
A written undertaking issued by a bank at the request of an applicant (Importer) to pay a fixed sum of money at a specific date to a specific party (Beneficiary/Exporter) subject to the receipt of specified commercial and/or financial documents listed in the Letter Of Credit. The Bank almost always issues Irrevocable Letters of Credit, the terms of which cannot be amended after issuance until the beneficiary, the applicant and the Bank agree to the changes. Bakhtar Bank issues LCs in accordance with Uniform Customs and Practices for Documentary Credit Publication No 500 of the International Chamber of Commerce.

Contact person:

Qurban Ali Hussaini

Deputy Chief Credit Officer

Mobile No :+(93)792990050
Risk Management

Bank has established a Risk management department to implement best risk management practices in line with DAB and Basel guidelines. Department is headed by Chief Risk Officer (CRO).
For more information you may contact

Mr. Mir Ahmad Sameer "Razawy"

Risk Management Officer
Contact: - +93 (0) 799370758



Finance Department takes care of the following :

Accounting and Finalization of the Financials Financial Reporting to Shareholders Management Reporting to Top Management Regulatory Reporting to Central Bank and other Government Authorities Budgeting and Payments for Capital and Revenue Expenses and Monitoring of incomes, expenses and General Ledger. Capital Taxation External Audit

The department is headed by Chief Finance Officer and is supported by the Finance Manager and a young talented team. For information relating to Bank’s Financial Statements, you may please contact:
Nilab Ghafari
Finance Manager
Bakhtar Bank
Mobile : +93 (0) 792 990 055
Email :

Bakhtar Bank has a full-fledged Internal Audit Department consisting of a Chief Internal Auditor, a Deputy Chief Internal Auditor and seven young Audit Officers. The Internal Audit Department assists and supports the Bank in meeting its objectives and goals by bringing a systematic, disciplined approach to evaluating and improving the effectiveness of the risk management, control and governance processes. Internal Audit advises Management on the adequacy of the system of internal controls and the effectiveness of the Risk Management process. It provides an independent and objective assurance to the Management and Board of Supervisors. Internal Audit Department's Policy and Procedures are formally documented and approved and aligned with standards of the Institute of Internal Auditors. The staff of Internal Audit Department are qualified and possess experience in all areas of banking activity.
The following officials may be contacted in case of need:

Ashraf Hossain Chaklader
Chief Internal Auditor
Mobile: (+93) 792 440033

Mr. Ahmad Ramin Faizad
Deputy Chief Internal Auditor
Mobile: (+93) 792 990022

Human Resources

For the success of any organization, management of human capital is most important. Bakhtar Bank has HR department headed by HR Manager.
For any HR related issue contact:
Habibullah Ulfat
HR Head

Compliance Department

Compliance Department
Compliance department is an independent department it ensures that the Bank complies with applicable laws, regulations and rules, and it plays an essential role in helping to preserve the integrity and reputation of the bank. And also prevents the use of financial institution from money laundering and financing of Terrorism. Besides; it's responsible for reporting to FinTRACA/Central Bank, monitoring of AML/CFT and KYC, rules and regulation and observing all KYC norms. The department is headed by Chief Compliance Officer and have 10 skilled staff in head office, as well as a Compliance Officer + CSO in all branches which report their day-to-day activities on monthly basis to Head Office for further analysis.
For more details or any issues, please contact:
Mr. Islamuddin Haqiqat
Chief Compliance Officer
Mobile: +93792990026

ATM Department

ATM Department
ATM department is one of the key department in Bakhtar Bank. It provides the electronic banking facility to Bank’s customers. This department is responsible for new ATM Installation in branch premises as well as at offsite locations. ATM team is processing the INSTA/Debit card and PIN mailer requests of various branches within stipulated time, So that bank’s customer can use their INSTA/Debit cards easily or whenever they want. ATM department takes care of ATM usage, Cash reconciliation and transaction disputes related issue.
The department is headed by Alternate Delivery Channel (ADC) Head and is supported by the ADC Officer and a young talented team. For information relating to ATM, INSTA/Debit Cards, you may please contact:
Mr.Ranga Rao
ADC Head
Bakhtar Bank
Mobile : +93 (0) 72 888 3865
Email :