Welcome to First Habib Modaraba

 (An Islamic Financial Institution)

Credit Rating

With continuing sound financial positions, FHM is maintaining “AA+” credit rating since last several years. According to PACRA vide their press release dated 22nd November 2018, the FHM was assigned a rating scale of AA+ for long-term and A1+ for short term. As per PACRA’s assessment, these ratings denote a very low expectation of credit risk emanating from a very strong capacity for timely payment of financial commitments and sound risk absorption capacity emanating from an equity dominated financial structure.