Meet the leadership team

AIB is led by experienced professionals committed to strong governance, sustainable growth, and Afghanistan’s financial future.

Management

Chief Executive Officer

Michael Cunningham

Mr. Cunningham joined AIB in October 2024. He previously held CxO roles at BSF in Saudi Arabia, ADCB in the UAE, and Barclays across emerging markets. He has built banks across the MEA region and advocates digital financial inclusion. He holds a BSc Hons in business from Liverpool Business School and a postgraduate degree from Durham University.

Chief Executive Officer

Michael Cunningham

Management Board

Chief Executive Officer

Michael Cunningham

Mr. Cunningham joined AIB in October 2024. He previously held CxO roles at BSF in Saudi Arabia, ADCB in the UAE, and Barclays across emerging markets. He has built banks across the MEA region and advocates digital financial inclusion. He holds a BSc Hons in business from Liverpool Business School and a postgraduate degree from Durham University.

Chief Executive Officer

Michael Cunningham

Management Board

Chief Executive Officer

Michael Cunningham

Mr. Cunningham joined AIB in October 2024. He previously held CxO roles at BSF in Saudi Arabia, ADCB in the UAE, and Barclays across emerging markets. He has built banks across the MEA region and advocates digital financial inclusion. He holds a BSc Hons in business from Liverpool Business School and a postgraduate degree from Durham University.

Chief Executive Officer

Michael Cunningham

Management Board

Deputy Chief Executive Officer

Asadullah Fayzi

Mr. Fayzi joined AIB at inception in 2004 as head of IT and later CIO. Previously he was IT manager at Afghanistan Reconstruction Company. He holds an MSc in electronics telecommunications and MBA from Istanbul Technical University, Turkey and Warwick Business School UK.

Deputy Chief Executive Officer

Asadullah Fayzi

Management Board

Deputy Chief Executive Officer

Asadullah Fayzi

Mr. Fayzi joined AIB at inception in 2004 as head of IT and later CIO. Previously he was IT manager at Afghanistan Reconstruction Company. He holds an MSc in electronics telecommunications and MBA from Istanbul Technical University, Turkey and Warwick Business School UK.

Deputy Chief Executive Officer

Asadullah Fayzi

Management Board

Deputy Chief Executive Officer

Asadullah Fayzi

Mr. Fayzi joined AIB at inception in 2004 as head of IT and later CIO. Previously he was IT manager at Afghanistan Reconstruction Company. He holds an MSc in electronics telecommunications and MBA from Istanbul Technical University, Turkey and Warwick Business School UK.

Deputy Chief Executive Officer

Asadullah Fayzi

Management Board

Chief Financial Officer

Lalit Kumar Jha

Mr. Jha is Chief Financial Officer since 2010. He holds a bachelor's degree in commerce and is a chartered accountant with more than 20 years' experience, mainly in banking. Previously he was senior vice president at Dresdner Bank in New Delhi and head of accounts and taxation at Bank of Tokyo Mitsubishi UFJ in New Delhi.

Chief Financial Officer

Lalit Kumar Jha

Management Board

Chief Financial Officer

Lalit Kumar Jha

Mr. Jha is Chief Financial Officer since 2010. He holds a bachelor's degree in commerce and is a chartered accountant with more than 20 years' experience, mainly in banking. Previously he was senior vice president at Dresdner Bank in New Delhi and head of accounts and taxation at Bank of Tokyo Mitsubishi UFJ in New Delhi.

Chief Financial Officer

Lalit Kumar Jha

Management Board

Chief Financial Officer

Lalit Kumar Jha

Mr. Jha is Chief Financial Officer since 2010. He holds a bachelor's degree in commerce and is a chartered accountant with more than 20 years' experience, mainly in banking. Previously he was senior vice president at Dresdner Bank in New Delhi and head of accounts and taxation at Bank of Tokyo Mitsubishi UFJ in New Delhi.

Chief Financial Officer

Lalit Kumar Jha

Management Board

Chief Credit Officer

Haidar Ali

Mr. Haidar Ali is a banker with more than 18 years of experience before joining AIB. He began at Bank Alfalah and worked across branch banking, credit, compliance, and risk in Pakistan and abroad. He led risk at FINCA Microfinance Bank and was chief credit officer at U Microfinance Bank. He holds an MBA from the University of Peshawar.

Chief Credit Officer

Haidar Ali

Management Board

Chief Credit Officer

Haidar Ali

Mr. Haidar Ali is a banker with more than 18 years of experience before joining AIB. He began at Bank Alfalah and worked across branch banking, credit, compliance, and risk in Pakistan and abroad. He led risk at FINCA Microfinance Bank and was chief credit officer at U Microfinance Bank. He holds an MBA from the University of Peshawar.

Chief Credit Officer

Haidar Ali

Management Board

Chief Credit Officer

Haidar Ali

Mr. Haidar Ali is a banker with more than 18 years of experience before joining AIB. He began at Bank Alfalah and worked across branch banking, credit, compliance, and risk in Pakistan and abroad. He led risk at FINCA Microfinance Bank and was chief credit officer at U Microfinance Bank. He holds an MBA from the University of Peshawar.

Chief Credit Officer

Haidar Ali

Management Board

Chief Strategy Officer

M Taofiq Mir

Mr. Mir began his AIB career in 2006, holding roles managing electronic channels, head of retail banking, and head of strategic planning. Appointed chief strategy officer in 2024, he led financial crime compliance from 2015 to 2024. He holds a BSc in electrical engineering from TU Delft and a master's in international business economics and management from KU Leuven.

Chief Strategy Officer

M Taofiq Mir

Chief Strategy Officer

M Taofiq Mir

Mr. Mir began his AIB career in 2006, holding roles managing electronic channels, head of retail banking, and head of strategic planning. Appointed chief strategy officer in 2024, he led financial crime compliance from 2015 to 2024. He holds a BSc in electrical engineering from TU Delft and a master's in international business economics and management from KU Leuven.

Chief Strategy Officer

M Taofiq Mir

Chief Strategy Officer

M Taofiq Mir

Mr. Mir began his AIB career in 2006, holding roles managing electronic channels, head of retail banking, and head of strategic planning. Appointed chief strategy officer in 2024, he led financial crime compliance from 2015 to 2024. He holds a BSc in electrical engineering from TU Delft and a master's in international business economics and management from KU Leuven.

Chief Strategy Officer

M Taofiq Mir

Chief Compliance Officer

Mohammad Naser Azimi

Mr. Azimi is appointed as CCO in 2024. he has over 15 years banking experience serving 10 years in compliance roles and rest in other functions of the bank. Mr. Azimi is a member of the Association of Certified AML Specialist and holds the certification ‘’CAMS’’. Mr. Azimi holds MBA degree from the University of Liverpool and BBA from the Kardan University.

Chief Compliance Officer

Mohammad Naser Azimi

Chief Compliance Officer

Mohammad Naser Azimi

Mr. Azimi is appointed as CCO in 2024. he has over 15 years banking experience serving 10 years in compliance roles and rest in other functions of the bank. Mr. Azimi is a member of the Association of Certified AML Specialist and holds the certification ‘’CAMS’’. Mr. Azimi holds MBA degree from the University of Liverpool and BBA from the Kardan University.

Chief Compliance Officer

Mohammad Naser Azimi

Chief Compliance Officer

Mohammad Naser Azimi

Mr. Azimi is appointed as CCO in 2024. he has over 15 years banking experience serving 10 years in compliance roles and rest in other functions of the bank. Mr. Azimi is a member of the Association of Certified AML Specialist and holds the certification ‘’CAMS’’. Mr. Azimi holds MBA degree from the University of Liverpool and BBA from the Kardan University.

Chief Compliance Officer

Mohammad Naser Azimi

Business Advisor/Consultant to the CEO

Stewart Lockie

Mr. Lockie is chief business officer, joining AIB in 2025. He led teams in emerging markets and the UK with ABK Kuwait, AUB Egypt, and Barclays. He holds an MBA in Chartered Banking from Bangor University and an MSc in Cultural Leadership from the University of South Wales. He is a fellow of the Chartered Banking Institute and Chartered Management Institute.

Business Advisor/Consultant to the CEO

Stewart Lockie

Business Advisor/Consultant to the CEO

Stewart Lockie

Mr. Lockie is chief business officer, joining AIB in 2025. He led teams in emerging markets and the UK with ABK Kuwait, AUB Egypt, and Barclays. He holds an MBA in Chartered Banking from Bangor University and an MSc in Cultural Leadership from the University of South Wales. He is a fellow of the Chartered Banking Institute and Chartered Management Institute.

Business Advisor/Consultant to the CEO

Stewart Lockie

Business Advisor/Consultant to the CEO

Stewart Lockie

Mr. Lockie is chief business officer, joining AIB in 2025. He led teams in emerging markets and the UK with ABK Kuwait, AUB Egypt, and Barclays. He holds an MBA in Chartered Banking from Bangor University and an MSc in Cultural Leadership from the University of South Wales. He is a fellow of the Chartered Banking Institute and Chartered Management Institute.

Business Advisor/Consultant to the CEO

Stewart Lockie

Chief Risk Officer

Hanif Khan

Mr. Hanif Khan is chief risk officer at AIB with more than 13 years in control functions, risk management, compliance, and internal audit. He holds a bachelor’s in commerce and a master in public administration finance from Peshawar, Pakistan, and is CAMS certified.

Chief Risk Officer

Hanif Khan

Chief Risk Officer

Hanif Khan

Mr. Hanif Khan is chief risk officer at AIB with more than 13 years in control functions, risk management, compliance, and internal audit. He holds a bachelor’s in commerce and a master in public administration finance from Peshawar, Pakistan, and is CAMS certified.

Chief Risk Officer

Hanif Khan

Chief Risk Officer

Hanif Khan

Mr. Hanif Khan is chief risk officer at AIB with more than 13 years in control functions, risk management, compliance, and internal audit. He holds a bachelor’s in commerce and a master in public administration finance from Peshawar, Pakistan, and is CAMS certified.

Chief Risk Officer

Hanif Khan

Chief Audit Officer

Mahmood Painda

Mr. Painda leads internal audit at AIB with 18 years across electronic banking, branch operations, retail, branch management, credit, and audit. He drives governance, risk, and control, and advances best practice and process optimization. He holds a bachelor’s in business administration and is a member of IIA and ACFE.

Chief Audit Officer

Mahmood Painda

Chief Audit Officer

Mahmood Painda

Mr. Painda leads internal audit at AIB with 18 years across electronic banking, branch operations, retail, branch management, credit, and audit. He drives governance, risk, and control, and advances best practice and process optimization. He holds a bachelor’s in business administration and is a member of IIA and ACFE.

Chief Audit Officer

Mahmood Painda

Chief Audit Officer

Mahmood Painda

Mr. Painda leads internal audit at AIB with 18 years across electronic banking, branch operations, retail, branch management, credit, and audit. He drives governance, risk, and control, and advances best practice and process optimization. He holds a bachelor’s in business administration and is a member of IIA and ACFE.

Chief Audit Officer

Mahmood Painda

Head of Wholesale Banking

Ahmad Jawid Wahidi

Mr. Ahmad Jawid Wahidi is head of wholesale banking at AIB with 19 years in banking. He holds an MBA and a BBA and relevant certifications. He improves operational efficiency and builds high value client relationships, partnering with international aid groups, diplomatic missions, and corporates to deliver results.

Head of Wholesale Banking

Ahmad Jawid Wahidi

Head of Wholesale Banking

Ahmad Jawid Wahidi

Mr. Ahmad Jawid Wahidi is head of wholesale banking at AIB with 19 years in banking. He holds an MBA and a BBA and relevant certifications. He improves operational efficiency and builds high value client relationships, partnering with international aid groups, diplomatic missions, and corporates to deliver results.

Head of Wholesale Banking

Ahmad Jawid Wahidi

Head of Wholesale Banking

Ahmad Jawid Wahidi

Mr. Ahmad Jawid Wahidi is head of wholesale banking at AIB with 19 years in banking. He holds an MBA and a BBA and relevant certifications. He improves operational efficiency and builds high value client relationships, partnering with international aid groups, diplomatic missions, and corporates to deliver results.

Head of Wholesale Banking

Ahmad Jawid Wahidi

Head of Legal

Abdul Wasi Haidari

Mr. Abdul Wasi Haidari is legal head and general counsel at AIB with deep expertise in legal affairs, Islamic banking, and credit. He has shaped policies, SOPs, and product documents and advised corporate, SME, and retail clients. He holds master’s and bachelor’s degrees in law plus diplomas and certificates in banking and finance.

Head of Legal

Abdul Wasi Haidari

Head of Legal

Abdul Wasi Haidari

Mr. Abdul Wasi Haidari is legal head and general counsel at AIB with deep expertise in legal affairs, Islamic banking, and credit. He has shaped policies, SOPs, and product documents and advised corporate, SME, and retail clients. He holds master’s and bachelor’s degrees in law plus diplomas and certificates in banking and finance.

Head of Legal

Abdul Wasi Haidari

Head of Legal

Abdul Wasi Haidari

Mr. Abdul Wasi Haidari is legal head and general counsel at AIB with deep expertise in legal affairs, Islamic banking, and credit. He has shaped policies, SOPs, and product documents and advised corporate, SME, and retail clients. He holds master’s and bachelor’s degrees in law plus diplomas and certificates in banking and finance.

Head of Legal

Abdul Wasi Haidari

Head of Customer Experience and Digital

Ramin Yousofi

Mr. Ramin Yousofi is head of customer experience and digital at AIB with 18 years in banking. He leads the bank’s technology vision and digital banking across channels and cards. He holds a bachelor’s in business administration and certifications in strategic planning, innovation, digital product risk management, and compliance.

Head of Customer Experience and Digital

Ramin Yousofi

Head of Customer Experience and Digital

Ramin Yousofi

Mr. Ramin Yousofi is head of customer experience and digital at AIB with 18 years in banking. He leads the bank’s technology vision and digital banking across channels and cards. He holds a bachelor’s in business administration and certifications in strategic planning, innovation, digital product risk management, and compliance.

Head of Customer Experience and Digital

Ramin Yousofi

Head of Customer Experience and Digital

Ramin Yousofi

Mr. Ramin Yousofi is head of customer experience and digital at AIB with 18 years in banking. He leads the bank’s technology vision and digital banking across channels and cards. He holds a bachelor’s in business administration and certifications in strategic planning, innovation, digital product risk management, and compliance.

Head of Customer Experience and Digital

Ramin Yousofi

Head of Consumer Banking

Mohammad Mansoor Enayati

Mr. Mohammad Mansoor Enayati is head of consumer banking and general branches management at Afghanistan International Bank, overseeing consumer services and all branch operations. With the bank since 2006, he brings operations and customer relations expertise and holds an MBA.

Head of Consumer Banking

Mohammad Mansoor Enayati

Head of Consumer Banking

Mohammad Mansoor Enayati

Mr. Mohammad Mansoor Enayati is head of consumer banking and general branches management at Afghanistan International Bank, overseeing consumer services and all branch operations. With the bank since 2006, he brings operations and customer relations expertise and holds an MBA.

Head of Consumer Banking

Mohammad Mansoor Enayati

Head of Consumer Banking

Mohammad Mansoor Enayati

Mr. Mohammad Mansoor Enayati is head of consumer banking and general branches management at Afghanistan International Bank, overseeing consumer services and all branch operations. With the bank since 2006, he brings operations and customer relations expertise and holds an MBA.

Head of Consumer Banking

Mohammad Mansoor Enayati

Head of Staff Affairs

Mohammad Nadim Samizada

Mr. Samizada has more than 13 years in banking with strong experience in human resources, administration, and executive support. He holds bachelor’s and master’s degrees in business administration and multiple credentials including CHRMP Foundation, and diplomas in banking and finance, HRM, and accounting and finance.

Head of Staff Affairs

Mohammad Nadim Samizada

Head of Staff Affairs

Mohammad Nadim Samizada

Mr. Samizada has more than 13 years in banking with strong experience in human resources, administration, and executive support. He holds bachelor’s and master’s degrees in business administration and multiple credentials including CHRMP Foundation, and diplomas in banking and finance, HRM, and accounting and finance.

Head of Staff Affairs

Mohammad Nadim Samizada

Head of Staff Affairs

Mohammad Nadim Samizada

Mr. Samizada has more than 13 years in banking with strong experience in human resources, administration, and executive support. He holds bachelor’s and master’s degrees in business administration and multiple credentials including CHRMP Foundation, and diplomas in banking and finance, HRM, and accounting and finance.

Head of Staff Affairs

Mohammad Nadim Samizada

Board of Supervisors

Chair of the Board of Supervisors

Mick Pearce

Mr. Pearce joined the board in 2020. He is managing director of Pearce Hillman Limited in London. Previously at Citibank he held senior finance roles, including CFO for Africa and EMEA Private Bank. Earlier at NatWest and TSB. CIMA fellow, holds a BSc from Kingston University.

Chair of the Board of Supervisors

Mick Pearce

Chair of the Board of Supervisors

Mick Pearce

Mr. Pearce joined the board in 2020. He is managing director of Pearce Hillman Limited in London. Previously at Citibank he held senior finance roles, including CFO for Africa and EMEA Private Bank. Earlier at NatWest and TSB. CIMA fellow, holds a BSc from Kingston University.

Chair of the Board of Supervisors

Mick Pearce

Chair of the Board of Supervisors

Mick Pearce

Mr. Pearce joined the board in 2020. He is managing director of Pearce Hillman Limited in London. Previously at Citibank he held senior finance roles, including CFO for Africa and EMEA Private Bank. Earlier at NatWest and TSB. CIMA fellow, holds a BSc from Kingston University.

Chair of the Board of Supervisors

Mick Pearce

Independent Director

Hugo Minderhoud

Mr. Minderhoud joined the board in December 2017. Based in Tashkent, Uzbekistan, he is senior advisor to Ipak Yuli Bank. He has worked across Central Asia and the former Soviet Union since 1994, first with ABN AMRO, and since 2006 as an independent financial advisor and board member. He holds a law degree from Leiden University in the Netherlands.

Independent Director

Hugo Minderhoud

Independent Director

Hugo Minderhoud

Mr. Minderhoud joined the board in December 2017. Based in Tashkent, Uzbekistan, he is senior advisor to Ipak Yuli Bank. He has worked across Central Asia and the former Soviet Union since 1994, first with ABN AMRO, and since 2006 as an independent financial advisor and board member. He holds a law degree from Leiden University in the Netherlands.

Independent Director

Hugo Minderhoud

Independent Director

Hugo Minderhoud

Mr. Minderhoud joined the board in December 2017. Based in Tashkent, Uzbekistan, he is senior advisor to Ipak Yuli Bank. He has worked across Central Asia and the former Soviet Union since 1994, first with ABN AMRO, and since 2006 as an independent financial advisor and board member. He holds a law degree from Leiden University in the Netherlands.

Independent Director

Hugo Minderhoud

Independent Director

Colin Macdonald

Mr. Macdonald joined the board in 2025. Based in Dubai, he is Executive Chairman of Aspiro Management Consulting and Senior Advisor to EY Parthenon. He previously served as Group CEO of Shuaa Capital and held senior roles with ABN AMRO and RBS. A UK Institute of Directors member, he has over 35 years of financial services experience.

Independent Director

Colin Macdonald

Independent Director

Colin Macdonald

Mr. Macdonald joined the board in 2025. Based in Dubai, he is Executive Chairman of Aspiro Management Consulting and Senior Advisor to EY Parthenon. He previously served as Group CEO of Shuaa Capital and held senior roles with ABN AMRO and RBS. A UK Institute of Directors member, he has over 35 years of financial services experience.

Independent Director

Colin Macdonald

Independent Director

Colin Macdonald

Mr. Macdonald joined the board in 2025. Based in Dubai, he is Executive Chairman of Aspiro Management Consulting and Senior Advisor to EY Parthenon. He previously served as Group CEO of Shuaa Capital and held senior roles with ABN AMRO and RBS. A UK Institute of Directors member, he has over 35 years of financial services experience.

Independent Director

Colin Macdonald

Shareholder-appointed Member of the Board of Supervisors

Bilal Ahmed

Mr. Ahmed has been associated with the bank since 2004, first as a director until 2006 and then as a shareholder's representative for the last 18 years. In 2024, he returned to the board.

Shareholder-appointed Member of the Board of Supervisors

Bilal Ahmed

Shareholder-appointed Member of the Board of Supervisors

Bilal Ahmed

Mr. Ahmed has been associated with the bank since 2004, first as a director until 2006 and then as a shareholder's representative for the last 18 years. In 2024, he returned to the board.

Shareholder-appointed Member of the Board of Supervisors

Bilal Ahmed

Shareholder-appointed Member of the Board of Supervisors

Bilal Ahmed

Mr. Ahmed has been associated with the bank since 2004, first as a director until 2006 and then as a shareholder's representative for the last 18 years. In 2024, he returned to the board.

Shareholder-appointed Member of the Board of Supervisors

Bilal Ahmed

Shareholders

The Shareholders and Board of Supervisors continue to uphold a high level of corporate governance, ensuring that the Bank’s management practices are always aligned with the principles of good governance.

The shareholders operate under a policy of non-interference in management decisions and the Bank’s operations. The positive reputation and widespread business and relations of the Bank’s shareholders in Afghanistan have contributed significantly to the success of the institution. Ownership of each shareholder is shown in below table. 

46.25%

Horizon Associates

46.25%

Wilton Holdings

7.5%

International Finance Corporation (IFC)

International Finance Corporation (IFC)

Your career at AIB

We provide a supportive, inclusive workplace where talented people can develop their expertise, take on new challenges, and make a meaningful impact on the future of banking in Afghanistan.

Start banking with AIB

Open an account that is best tailored for you. Whether you're managing personal finances or running a business, we're here to help.

Start banking with AIB

Open an account that is best tailored for you. Whether you're managing personal finances or running a business, we're here to help.

Start banking with AIB

Open an account that is best tailored for you. Whether you're managing personal finances or running a business, we're here to help.