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CEO's Message

Welcome to Exchangerzone, Inc. (EZ) which is the first and largest financial company of Afghanistan. It was founded in August 2016 by Investone Corps, Inc. (ICI) which is a leading and innovative investment holding group. ICI manages multi-millions dollars investment projects in various business sectors within and outside Afghanistan. Wazir Akbar Khan was the first location for Exchangerzone. Overtime, our institution grew to include 8 branches in Kabul and 4 in provinces (Kandahar, Mazar, Nangarhar, and Herat). Headquartered in Kabul, Exchangerzone plans to spread its footprint in all the major countries of the world. For the start we are operating in Afghanistan, Dubai, India, Pakistan, Turkey and China. We are the first private company in Afghanistan outside the banking industry to offer specialized foreign exchange, remittance, microfinance, investment, financial consulting and other selected financial services. The service portfolio of Exchangerzone operate in four divisions i.e. Financial Service Division (FSD), Microfinance Division (MD), Investment Division (ID) and Financial Consulting Division (FCD). What makes Exchangerzone different is its customer-centric approach. Driven by people, product and process, Exchangerzone believes in providing high quality customized and prompt services with value pricing as per the financial needs of customers. We strive to develop longstanding personal relationships with our customers. Relationship is at our core and we take pride in consistently exceeding our customers’ expectations. Success of our company will be measured by our clients choosing us, because of their belief in our ability to meet or exceed their expectations of price, service and expertise. Our strategic plan is to remain locally owned and independent. We believe that our structure enables us to provide the gold standard in financial services including the highest level of quality service, competitive products, and value to our customers. As you know Financial Exclusion is one of the main challenges before economic development in Afghanistan. I strongly believe that without improving the rate of financial inclusion, Afghanistan will never be able to achieve stable and efficient economic growth. Therefore, we at Exchangerzone are striving to include all those people who are financially excluded by offering variety of easy and cost effective customized financial services both in conventional as well as Shariah Compliant Principles. We have established a separate window for Shariah Compliant products to ensure compliance to Shariah tenets for our Islamic financial products and services. I take this rare opportunity to express my deep gratitude to our valued shareholders, board of directors, board of management and customers for the unwavering support and encouragement you have shown to Exchangerzone, Inc. In appreciation of your continued interest and trust, all members of Exchangerzone will strive in unison to fulfill long-held expectations in earnest. With rigorous internal controls and ethical business management well in place, we aspire to be a clean financial institution. We will also be at the forefront of promoting ‘Creative Finance’ and financial support for various groups, SMEs and low-income customers, thereby staying committed to our wider role in the development of Afghan economy. We will strengthen our competitiveness to gain the status of leading financial company and lay out a platform for sustainable growth of non-banking businesses. Therefore, we will direct all of our competencies towards undertaking the following five tasks.

  1. We will gain the pride of the leading financial company of Afghanistan. We will pursue sales-oriented business management with new spirit imbued across the organization and cultivate a dynamic corporate culture that values and rewards those who take on challenges.
  2. We will lead the Afghan market in ‘financial innovation’ and ‘creative finance’ by offering the most advanced and contemporary financial products using high-tech financial solutions.
  3. We will offer easy, cost effective and life changing financial products in financial services, microfinance, investment, and financial consulting divisions.
  4. We will devote our foremost efforts towards gaining customer trust. We will rationalize and realign existing systems and processes from customers’ perspective, and brace for a new resolve to ensure that change in the organization is appreciated by our customers.
  5. We will strengthen our competitiveness through business differentiation. We will leverage our strength in all the strong areas of financial services to extend market leadership, and seamlessly seek and secure new sources of growth. We will also work hard to preemptively respond to fast changing environment.

As we aspire to open a new chapter in the history of Afghanistan financial industry, I would kindly like to ask for your continued interest and encouragement. On behalf of everyone at Exchangerzone, I wish you and your loved ones grace and blessings.

Sincerely,

Mr. Jarullah Mansoori - Chief Executive Officer