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 25th September 2020, the FHM was assigned a rating scale of AA+ for long-term and A1+ for short term. As per PACRA’s assessment, these ratings reflect First Habib Modaraba’s strong business profile emanating from healthy asset base, sound asset quality and sustained profitability. These ratings denote a very low expectation of credit risk and Indicate very strong capacity for timely payment of financial commitments.