Banking Services

We advise the Central Bank of Afghanistan, Afghan Private Banks and financial services companies on both their day-to-day operations and wider strategic objectives.
ACM provides advisory services, technical assistance and training in:

Commercial Banking

  • Strategic planning
  • Lending, asset / liability management, and risk management
  • Marketing, development of a sales culture, and relationship management
  • Product development and diversification
  • Management information systems, automation, e-banking and operations
  • Branch administration
  • Governance
  • Organizational development and human resources management
  • Privatization, restructuring, acquisition and merger
  • Bankers’ associations and training institutes

Central Banks / Bank Supervision

  • Policies, laws and regulations
  • Procedures and practices in on-site and off-site supervision
  • Risk-based supervision and consolidated supervision
  • Enforcement
  • Problem bank resolution: rehabilitation, recapitalization and liquidation
  • Monetary policy / macroeconomic reform
  • Currency issuance and operations
  • Human resources management
  • Payment systems / information technology

Capital Markets

  • Policies, laws and regulations
  • Securities commissions
  • Stock exchanges
  • Corporate governance
  • Self-regulatory organizations
  • Brokers/dealers

Public-Private Partnerships (PPP)

  • PPP best practices in infrastructure development and finance
  • Establishing PPP units and project development facilities (PDF)
  • PDF and sponsoring agencies advisory support
  • Sector-specific advisory support
  • Infrastructure projects audit


  • Policies, laws and regulations
  • Financial and market conduct examinations; early warning systems
  • Institutional strengthening
  • Life, health, property and micro-insurance products development
  • Actuarial assistance and pricing

Non-Bank Financial Services

  • Laws, regulations and supervision
  • Institutional strengthening
  • Pension systems and products development

Micro, Small and Medium-sized Enterprises (MSME) Financing

  • Fostering MSME access to finance
  • Financial services for microenterprises and the poor
  • Institutional strengthening in lending to MSMEs, rural finance and trade finance
  • Strengthening microfinance enabling environment

Enterprise and Export Development

  • Enterprise development, trade and competitiveness
  • Planning, finance, marketing, operations and general management
  • Entrepreneurial skills, success-orientation and self-development

Anti-Money Laundering

  • Laws and best practices
  • Compliance with FATF, EU Directives, and the US Patriot Act
  • Know Your X programs
  • Financial intelligence units
  • Use of technology in money laundering prevention

Public Administration and Finance

  • Governance
  • Budgeting, revenue enhancement and expense control
  • Intergovernmental relations
  • Infrastructure finance
  • Anti-corruption strategies

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