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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 40th Corporate Excellence Awards The Management Association of Pakistan (MAP) recently", "full": "Welcome to First Habib Modaraba CREDIT RATING CREDIT RATING ANNOUNCEMENTS PACRA CREDIT RATING According to press release dated September 19, 2025, Pakistan Credit Rating Agency Limited “PACRA” maintained rating scale of Frist Habib Modaraba (FHM) as AA+ for long-term and A1+ for short term for the year ended June 30, 2025. 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 40th Corporate Excellence Awards The Management Association of Pakistan (MAP) recently awarded a \"Certificate of Excellence\" to First Habib Modaraba at the 40th Corporate Excellence Awards ceremony held on December 4, 2025, in Karachi. 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