Annual Report 2013
Khalilullah Sediq
Chief Executive Officer, Chairman of the Management Board
Mr Sediq has 30 years’ experience as a central banker and a commercial banker in Afghanistan and America. He joined Da Afghanistan Bank, the central bank of Afghanistan, in 1971 and held senior management positions in most departments, serving as Governor from 1990 to 1991. Mr Sediq was with Sun Trust Bank in the USA before returning to Afghanistan in 2006 to become Chief Executive Officer of Afghanistan International Bank, turning a loss-making bank to the most profitable and most respected in Afghanistan. He is also Chairman of Afghanistan Banks Association, a director of Harakat (Afghanistan Investment Climate Facility Organisation), and a director of the Afghanistan Institute of Banking and Finance. Mr Sediq holds a BA degree in macroeconomics from Kabul University.

Lalit Kumar Jha
Chief Finance Officer, Member of Management Board
Mr Jha holds a Bachelor’s degree in commerce and is a qualified chartered accountant with more than 20 years’ experience, mainly in the banking sector. He has been CFO at AIB since 2010, having previously been senior vice-president at Dresdner Bank, New Delhi, and head of accounts and taxation at Bank of Tokyo Mitsubishi UFJ, New Delhi.

Asadullah Fayzi
Chief Operating Officer, Member of Management Board
Mr Fayzi holds the dual positions of CIO and COO, having joined AIB at its inception in 2004 as head of IT, and having previously been IT manager for Afghanistan Reconstruction Company. He was appointed to his current position during 2012. He holds an MSc in telecommunications from Istanbul Technical University, Turkey.

Tamsil Rashid
Head of Commercial Banking, Member of Management Board
Mr Rashid has close to 30 years’ experience in commercial, development, and Islamic banking, having begun his career with Habib Bank and later joining the Bank of Khyber in Pakistan, where he rose to senior vice-president and divisional head of credit management. Mr Rashid holds an MPA degree, majoring in economics, and a diploma from the Institute of Bankers in Pakistan.

Rakesh Jethwani
Chief Risk Officer
Mr Jethwani joined AIB in 2011 as Chief Risk Officer. He has 30 years’ experience in banking, with a specialisation in credit and risk management obtained during his service with Punjab National Bank in India. He holds a dual executive MBA in risk management and international finance and is a Certified Associate of the Indian Institute of Bankers.

Khurram Sikander
Head of Internal Audit
Mr Sikander joined AIB in 2011 as Head of Internal Audit. He was previously with Aga Khan Development Network (AKDN), where he worked in internal audit, internal controls, and risk and compliance, also serving as a director of AKDN institutions. Mr Sikander is a member of the UK Association of Chartered Certified Accountants.

Mohammad Taofiq Mir
Head of Retail Banking
Mr Mir began his banking career in 2006 with AIB. He managed electronic banking channels and held a number of positions related to retail banking before becoming General Manager, Retail Banking in 2012. He holds a BSc in electrical engineering from Delft University of Technology, Netherlands.