Welcome to Pashtany Bank, we have more than 70 years of experience

Mohammad Jan Khan Watt

+93( 0)202103863

Dari | Pashto
Sat - Thr 8:00 AM - 4:00 PM

Mr. Zabih Akbari
Chief Risk Officer

Mr.  Zabih Akbari is currently serving as Chief Risk Officer at Pashtany bank.  Following the completion of his bachelor’s degree in the field of economics from Kabul University, Mr. Akbari pursued an MBA degree specializing in management from Kardan University.   He also holds distinct recognition as a certified risk analyst from the institute of risk management London UK.
Mr. Akbari has formerly worked as a senior financial analyst in the office of the senior economic advisor to the president of Afghanistan for two years.  Having worked at this capacity, Mr. Akbari has developed comprehensive understanding and knowledge of the financial sector in Afghanistan. Mr. Akbari has worked as a member of the Financial Supervision Department (FSD) at Da Afghanistan Bank for three years. During his tenure with Da Afghanistan Bank, Mr. Akbari had to bear the responsibility of monitor and financial supervision of all commercial banks in Afghanistan. A key feature of his experience at this position has been the supervision and evaluation of the implementation of Basel committee standards in all banking institutions in Afghanistan. Thus, Mr. Akbari bears immaculate competency, aptitude and proficiency in the banking sector in Afghanistan.He was appointed as the Chief Risk Officer at Pashtany bank in the year 2016. Since his appointment at Pashtany Bank, Mr. Akbari has been able to successfully implement his immaculate understanding and knowledge of the financial and banking sector in Afghanistan within the scope of his authority at Pashtany bank. His contribution in in operationalizing risk management in the bank and developing foundational structure for Pashtany Bank’s Risk Management Department has been a key factor in implementing the Basel Committee of banking accord in Pashtany Bank.

Risk Governance Framework of Pashtany Bank

The risk governance framework of Pashtany Bank is based on the ‘three lines of defense’ model with an oversight by the Board of Supervisors (BoS). The responsibilities for risk management function are shared among business units as a first line of defense, risk management as a second line of defense and internal audit as a third line of defense, as shown in the figure below:


Risk Management Department Profile

Pashtany Bank Risk Management Department (RMD) is sufficiently independent of the business units whose activities and exposures are reviewed by risk management function. RMD has access to all business lines that have potential general material risks. The risk functions at Pashtany are centralized and specialized. Within this Department, staff is specifically employed to carry out risk management functions based on RMD policies and procedures. By provision of sufficient seniority and complete segregation of duties (from front-end or back-office functions), The work of the centralized RMD relies also on communication with responsible people from the individual business and support units. However, to ensure its independence from risk-taking and related support units, RMD works with its own measurement tools, gets its own data and controls independently from controls done in the front-end units.

The functional structure of RMD

RMD consists of four main units covering credit risk management, market & liquidity risk management, operational risk management and corporate governance risk management. Moreover, RMD has three sub units covering strategic risk, Basel accords and portfolio & provisions.  The RMD structure is mainly designed to monitor the risks bank is exposed to and report it administratively to the CEO and functionally to the Board of Supervisors (BoS). The sub risk units are structured keeping in mind the future developments of RMD at Pashtany bank. In case of increase in scope of RMD, these sub units will manage their respective responsibilities.

Locker Account

Pashtany Bank Facilitate this service for individuals and institutions to save their valuable things, Documents in order to minimize risk of robbery, lost.

Fixed Deposit Account

Earn competitively higher interest on your savings with flexibility, security and excellent returns with Pashtany Bank Fixed Deposit Account.

Current Account

Pashtany bank  Current Account is specially designed to take care of all your financial necessities and Provide you  facilities & flexibility that is required for both your domestic and international business requirements.

Saving Accounts Pashtany Bank has the right savings account for everyone. Save your earnings with Pashtany Bank and have access to your funds any time. Your bank account is always at your fingertips with Mobile Banking & Net Banking. With our ATM Facilities across Afghanistan accessing cash will always be easier.