First Habib Modaraba (FHM) a subsidiary of Habib Metropolitan Bank, Limited, established in 1985, and has completed 38 years
of successful business operation. Throughout FHM has maintained longstanding drive towards sustaining its position as leading Modaraba within NBFI and Modaraba sector of Pakistan.

Our commitment to enhance value for our stakeholders, driven through resilience of our business model and determination of our team members made us sound and leading Modaraba within the Modaraba sector. The Relationships that exceed beyond normal business this is how we have acquired the standing we possess today as most progressive Modaraba holding the loyalty and trust of thousands of stakeholders across the country. Our achievements are evidence to the solid business fundamentals and consistent nancial management policies practiced across the Modaraba. Our focused business strategy keeps us rmly on path of sustainable growth and profitability.

Our constant commitment for corporate excellence have not only kept us as leading Modaraba within the sector but also earned us recognition at national and international level. So far, FHM has secured several awards/accolades on best performance, best corporate report, best corporate disclosure and corporate excellence from reputable bodies, such asNBFI and Modaraba Association, ICAP and ICMAP, Management Association of Pakistan, and SAFA anapex body of SAARC. Furthermore, since last 15 years FHM has been securing AA+ rating as long termrating from Pakistan Credit Rating Agency Ltd., (PACRA) which depict soundness of the entity andalso matter of great satisfaction for our investor.

As one of leading non-banking Islamic nancial institutions, our core corporate objective always drive to create value for the society at large. Our nancial strength, risk management protocols,
governance framework and aspirations for sustainable growth are directly attributable to a discipline that regularly brings prosperity to our all stakeholders particularly our worthy investors and customers. Ambition, discipline and corporate excellence always motivate us for even better results.It is the combination of these key elements that frame our optimistic outlook for the future as well.

We sincerely believe that above all success and achievements are due to Blessing Allah (SWT) and hard dedicate work of entire staff members through excellent team work across all levels of the organization. We thank Almighty Allah and bow our head for His blessing and bestowing upon us of journey of continuous success.