The First Micro Finance Bank (FMFB) Afghanistan was founded in 2003, and is the first bank to be licensed in Afghanistan under the new law. The Bank commenced business in May 2004 in Kabul. FMFB primarily offers microfinance loans. In addition to microfinance loans, FMFB also offers small and medium enterprise (SME) loans. As part of FMFB’s focus on ameliorating the quality of life of its clients by offering them financial access, the bank has a network of 45 branches, 17 of which are in rural areas, covering 14 provinces. Marketing offices and mobile solutions to improve access are being looked at, as is the introduction of biometric technology available for fingerprint recognition to assist in managing potential risk and speeding up the processing and repayments of clients.