CEO’s Message

Dear Valued Customers and Stakeholders,

I extend my heartfelt gratitude to our loyal customers who continue to trust us to deliver the best banking experience, even during challenging times. Your confidence in FMFB-A motivates us to strive for excellence and innovation in all our services.

Our commitment to our customers and stakeholders remains unwavering. Over the years, FMFB-A has achieved significant milestones, thanks to your support. We now serve over 150K+ customers, with assets surpassing AFN 9.7 billion and a network of 29 branches across 14 provinces and 80 districts.

Our dedication to excellence has been recognized with numerous accolades, including the Financial Transparency Award by CGAP, and the Microfinance for Housing Award by the European Microfinance.

Pursuant to the changes, the bank is re-positioned as a Shariah compliant bank offering products and services to our customers which are Islamic and follow Shariah principles. Customers, partners and key stakeholders are at the center of our strategy for the coming five years, we strongly remain committed to contribute in empowerment of the local economy by offering high-quality financial services and products leading to improving access to finance, financial inclusion and quality of life for our beneficiaries in a manner that FMFB-A remains profitable, sustainable institution and maintain strong relationship with our all our stakeholders and partners. We aim to be an environmentally friendly and socially responsible Bank by contributing to net carbon zero objectives and ensuring to comply with principles of value-based banking by holding awareness sessions, MarCom Campaigns, solarization of our branches and offering green financing solutions.

As we step into the future, one thing is abundantly clear- Digitalization is not just a trend; it is the foundation of how businesses evolve, grow and thrive. At FMFB-A we have always prided ourselves on staying ahead of the curve, and now more than ever, digital transformation offers us an extraordinary opportunity to innovate, streamline and deliver exceptional values to our customers. As part of the digital transformation journey, a five-year digital transformation strategy and roadmap was endorsed aiming to support our automation vision and reduce physical interventions by offering a host of Digi-led solutions driven from the need of our customers.

I am immensely proud of our achievements and deeply appreciative of the dedication and professionalism of our Board of Supervisors, Management Team, and staff—the backbone of our institution. Their passion and commitment have been instrumental in our progress. I also extend my sincere gratitude to our local and international partners for their unwavering support.

Finally, I thank our loyal customers for their continued trust. We will persist in driving excellent business performance to add value to our shareholders.

Sincerely,

Ziauddin Haidari – Chief Executive Officer (CEO)