Karachi: Bank AL Habib Limited (BAHL) has successfully maintained its credit rating, demonstrating its resilience and strategic foresight in a competitive banking environment. The Pakistan Credit Rating Agency Limited (PACRA) has affirmed the ratings, highlighting the bank's commitment to strengthening its market position and expanding its presence.

BAHL's leadership has been instrumental in driving strategic initiatives that enhance the bank's competitiveness. It continues to prioritize sound governance and prudent risk management, while focusing on customer-centricity. This approach has been essential in fostering customer loyalty and growth.

The bank has maintained a strong presence in trade finance and foreign remittances, contributing to revenue diversification. In 2024, BAHL saw a significant increase in foreign trade volumes and renewed focus on remittances, which boosted its market share and provided a net positive contribution in forex terms.

By the end of the first nine months of 2025, BAHL's deposit base reached PKR 2.5 trillion, up from PKR 2.2 trillion in 2024, capturing a 7.00% market share with a CASA ratio of 90.2%. Advances stood at PKR 906.6 billion. Despite stability in non-performing loans, these remain tied to a few large exposures but are adequately provisioned.

The bank's profit after tax was PKR 25.3 billion, compared to PKR 33.1 billion in 2024. BAHL is expanding its acquisition business and enhancing its reach in financial services to meet evolving customer needs.

Looking forward, BAHL anticipates sector-wide margin compression due to monetary easing. However, its strong strategic direction, leadership experience, and customer relationships position it to sustain growth and stability in Pakistan's banking sector. The ratings depend on BAHL's ability to maintain its market position and asset quality, with strong capital adequacy being crucial.