All praise and thanks are Allah’s
Alhamdulillah, First Habib Modaraba (FHM) has completed 31 years of successful business operation. FHM being the pioneer in Modaraba sector grew over the year on sound footing with the commitment of adding value to all our stakeholders particularly our investors.
FHM is well on its Vision to be a leading Islamic Financial Institution within the Modaraba sector and its mission to build institution on Trust, Integrity and enhance value through excellent performance and good governance.
The efficacy of FHM’s business strategy and prudent risk management policies have always supported the management to maintain outstanding assets quality while ensuring sustainability of performance despite the increasingly competitive operating environment in Pakistan’s financial market.
Since last several years FHM has been securing AA+ rating as long term rating from Pakistan Credit Rating Agency Ltd., (PACRA). Besides, FHM has received several awards and recognition on best performance, best corporate report, best corporate disclosure and corporate excellence received from reputable organizations, such as NBFI and Modaraba Association, ICAP and ICMAP, Management Association of Pakistan, and SAFA an apex body of SAARC.
By the grace of God, FHM is among one of the best Islamic Financial Services Institutions within non-banking financial sector. Sound and satisfactory performance of FHM on year on year basis is outcome of our well planned corporate strategy and business focus which reach FHM to target market and capture right opportunities in right time.
Our strategy remains clear, focused and well targeted on business development, on building deep and long standing relationships with our all partners and improving service delivery and solutions.
We will continue our steady performance by striking a careful balance between risk and reward for achieving a sustained growth under the Shariah principle of Islamic Finance.