Karachi: The Pakistan Credit Rating Agency Limited (PACRA) has maintained the rating of Bank AL Habib Limited (BAHL) as the bank continues to bolster its position in a competitive banking environment. Under effective leadership, BAHL is pursuing strategic initiatives aimed at enhancing its market presence and maintaining its competitive edge.

The bank's strategy centers on building strong customer relationships, which drive both loyalty and growth. With a focus on trade finance and foreign remittances, BAHL is diversifying its revenue streams and reinforcing its industry position. The bank reported an increase in foreign trade volumes and a strengthened market share in remittances, resulting in a favorable contribution in forex terms.

As of the first nine months of the 2025 calendar year, BAHL's deposit base rose to PKR 2.5 trillion, up from PKR 2.2 trillion in 2024, achieving a market share of 7% with a CASA ratio of 90.2%. The bank's advances stand at PKR 906.6 billion. Despite stable non-performing loans tied to concentrated exposures, the bank has made adequate provisions and remains optimistic about recoveries.

The bank's profit after tax is reported at PKR 25.3 billion, down from PKR 33.1 billion in 2024. To further its growth, BAHL is expanding its acquisition business and broadening its financial services offerings to meet changing customer needs.

Looking forward, BAHL is positioned to sustain growth despite sector-wide margin pressures due to anticipated monetary easing. The bank's strategic direction, experienced leadership, and solid customer relationships are expected to support its continued stability and trust in Pakistan's banking sector.

The ratings are contingent upon BAHL's ability to maintain its market position across business lines, while preserving asset quality and capital adequacy.