ANNUAL REPORT 2023

38 years of successfulbusiness legacy

Based on sustainability and resilience

Our long term success is built on a firm foundation of commitment, good governance, performance and prudent risk management. Effective corporate governance is an important foundation for success of our Modaraba.

First Habib Modaraba (FHM) is one the leading Modaraba within Modaraba and NBFI sector. Being subsidiary of sound and reputable bank, i.e., Habib Metropolitan Bank Limited., FHM operates as one of the most respected financial brands within the Non-Banking Islamic Financial sector, holds a strong and diversified footing in Corporate, SME, and Consumer segments.

With continuous journey of success, we have gone through with numerous obstacles and up and down of businesses. However, like the several challenges of the past, we have successfully managed to reinforce FHM's in advancing with untiring focus while staying firm to our beliefs.

While safeguarding our long term sustainability, our ability to withstand and prosper in these uncertain and difficult operating environment shows FHM's resilience and steadfast approach.

In our pursuit of progress, we have remained firm in protecting our core values, ensuring that it remains intact in whatever circumstances. Our constant resilience in adversity is a testament of unwavering commitment towards our values supported by resilient business model and strong balance sheet.

We believe that to be successful in the long term we must continually reassess our competencies, business strategies and risk management approaches in order to cope up with day to day business challenges.

Our achievements are evidence to the solid business fundamentals and consistent financial management policies practiced across the Modaraba. Our focused business strategy keeps us firmly on path of sustainable growth and profitability.

First Habib Modaraba

n c i a l I n s t i t u t i o n

Chapters

rgani ational

Strategy and

is s

verview

esource

pportunities

E ternal

Allocation

Environment

Sustaina

ility

Corporate

Analysis of

Corporate Social

overnance

Financial

esponsi

ility

Information

CS

  • ANNUAL REPORT 2023
Attention: This is an excerpt of the original content. To continue reading it, access the original document here.

Attachments

  • Original Link
  • Original Document
  • Permalink

Disclaimer

First Habib Modaraba published this content on 05 October 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 05 October 2023 08:58:14 UTC.