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Outstanding Ratings

Sr.No Entity Sector Rating Type Dissemination
Date
Action Rating Outlook Rating Watch
1 Aba Ali Habib Securities (Pvt.) Limited
Press Release | Report | History
Capital Markets Entity 12-Mar-26 Maintain A- Stable -
2 UBL Financial Services (Pvt.) Limited
Press Release | Report | History
Capital Markets Entity 03-Mar-26 Initial A- Stable -
3 OLP Modaraba
Press Release | Report | History
Non Banking Financial Institutes Entity 27-Feb-26 Maintain AA Stable -
4 Kashf Foundation
Press Release | Report | History
Banks Entity 20-Feb-26 Maintain A Stable -
5 FFO Support Program
Press Release | Report | History
Banks Entity 10-Feb-26 Initial BB+ Stable -
6 AL Habib Exchange Company (Pvt.) Limited
Press Release | Report | History
Non Banking Financial Institutes Entity 06-Feb-26 Initial A+ Stable -
7 Mashreq Bank Pakistan Limited
Press Release | Report | History
Banks Entity 29-Jan-26 Initial AA Stable -
8 AL Habib Capital Markets (Pvt.) Limited
Press Release | Report | History
Capital Markets Entity 27-Jan-26 Maintain A Stable -
9 HBL Microfinance Bank Limited
Press Release | Report | History
Banks Entity 26-Dec-25 Maintain A+ Stable -
10 Intermarket Securities Limited (Formerly: EFG Hermes Pakistan Limited)
Press Release | Report | History
Capital Markets Entity 19-Dec-25 Maintain A- Stable -
11 JS Global Capital Limited
Press Release | Report | History
Capital Markets Entity 12-Dec-25 Maintain AA Stable -
12 Ismail Iqbal Securities (Pvt.) Limited
Press Release | Report | History
Capital Markets Entity 28-Nov-25 Maintain A- Stable -
13 Samba Bank Limited
Press Release | Report | History
Banks Entity 25-Nov-25 Maintain AA Stable -
14 KTRADE Securities Limited
Press Release | Report | History
Capital Markets Entity 21-Nov-25 Maintain A- Stable -
15 ISE Towers REIT Management Company Limited
Press Release | Report | History
Non Banking Financial Institutes Entity 28-Oct-25 Maintain A Stable -
16 Orient Rental Modaraba
Press Release | Report | History
Non Banking Financial Institutes Entity 30-Sep-25 Maintain A- Stable -
17 Parwaaz Financial Services Limited
Press Release | Report | History
Non Banking Financial Institutes Entity 26-Sep-25 Maintain A+ Stable -
18 Thardeep Microfinance Foundation
Press Release | Report | History
Banks Entity 25-Sep-25 Maintain BB Stable Yes
19 Escorts Investment Bank Limited
Press Release | Report | History
Non Banking Financial Institutes Entity 19-Sep-25 Downgrade BBB- Stable -
20 Dawood Equities Limited
Press Release | Report | History
Capital Markets Entity 19-Sep-25 Maintain A- Stable -
21 Trust Securities & Brokerage Limited
Press Release | Report | History
Capital Markets Entity 19-Sep-25 Maintain A- Stable -
22 First Punjab Modaraba
Press Release | Report | History
Non Banking Financial Institutes Entity 19-Sep-25 Maintain A- Stable -
23 First Habib Modaraba
Press Release | Report | History
Non Banking Financial Institutes Entity 19-Sep-25 Maintain AA+ Stable -
24 National Rural Support Programme
Press Release | Report | History
Banks Entity 15-Jul-25 Upgrade A Stable -
25 The Bank of Punjab
Press Release | Report | History
Banks Entity 30-Jun-25 Maintain AA+ Stable -
26 JS Bank Limited
Press Release | Report | History
Banks Entity 28-Jun-25 Maintain AA Stable -
27 Bank Alfalah Limited
Press Release | Report | History
Banks Entity 28-Jun-25 Maintain AAA Stable -
28 Rural Community Development Programmes
Press Release | Report | History
Banks Entity 27-Jun-25 Upgrade BBB+ Stable -
29 GuarantCo Limited
Press Release | Report | History
Non Banking Financial Institutes Entity 27-Jun-25 Maintain AAA Stable -
30 Bank of Khyber
Press Release | Report | History
Banks Entity 27-Jun-25 Maintain A+ Stable -
31 First Women Bank Limited
Press Release | Report | History
Banks Entity 27-Jun-25 Maintain A- Developing Yes
32 Export-Import Bank of Pakistan
Press Release | Report | History
Development Institutions Entity 27-Jun-25 Maintain AAA Stable -
33 Pak Libya Holding Company (Pvt.) Limited
Press Release | Report | History
Development Institutions Entity 25-Jun-25 Upgrade AA Stable -
34 Soneri Bank Limited
Press Release | Report | History
Banks Entity 25-Jun-25 Maintain AA- Stable -
35 BankIslami Pakistan Limited
Press Release | Report | History
Banks Entity 24-Jun-25 Maintain AA- Stable -
36 Habib Metropolitan Bank Limited
Press Release | Report | History
Banks Entity 24-Jun-25 Maintain AA+ Stable -
37 Allied Bank Limited
Press Release | Report | History
Banks Entity 24-Jun-25 Maintain AAA Stable -
38 Askari Bank Limited
Press Release | Report | History
Banks Entity 24-Jun-25 Maintain AA+ Stable -
39 Faysal Bank Limited
Press Release | Report | History
Banks Entity 24-Jun-25 Maintain AA Positive -
40 Pakistan Kuwait Investment Company (Pvt.) Limited
Press Release | Report | History
Development Institutions Entity 24-Jun-25 Maintain AAA Stable -
41 MCB Bank Limited
Press Release | Report | History
Banks Entity 23-Jun-25 Maintain AAA Stable -
42 MCB Islamic Bank Limited
Press Release | Report | History
Banks Entity 23-Jun-25 Maintain A+ Stable -
43 Bank AL Habib Limited
Press Release | Report | History
Banks Entity 23-Jun-25 Maintain AAA Stable -
44 National Bank of Pakistan
Press Release | Report | History
Banks Entity 23-Jun-25 Maintain AAA Stable -
45 Standard Chartered Bank (Pakistan) Limited
Press Release | Report | History
Banks Entity 23-Jun-25 Maintain AAA Stable -
46 National Credit Guarantee Company Limited
Press Release | Report | History
Non Banking Financial Institutes Entity 20-Jun-25 Initial AAA Stable -
47 Pakistan Microfinance Investment Company Limited
Press Release | Report | History
Development Institutions Entity 20-Jun-25 Maintain AA Stable Yes
48 PAIR Investment Company Limited
Press Release | Report | History
Development Institutions Entity 20-Jun-25 Maintain AA Stable -
49 Apna Microfinance Bank Limited
Press Release | Report | History
Banks Entity 15-May-25 Downgrade BB Negative -
50 Infra Zamin Pakistan Limited
Press Release | Report | History
Non Banking Financial Institutes Entity 02-May-25 Maintain AAA Stable -
51 Mobilink Microfinance Bank Limited
Press Release | Report | History
Banks Entity 30-Apr-25 Maintain A Stable -
52 Easypaisa Bank Limited (formerly Telenor Microfinance Bank Limited)
Press Release | Report | History
Banks Entity 30-Apr-25 Upgrade A+ Stable -
53 NRSP Microfinance Bank Limited
Press Release | Report | History
Banks Entity 30-Apr-25 Maintain A- Stable Yes
54 ASA Microfinance Bank (Pakistan) Limited
Press Release | Report | History
Banks Entity 29-Apr-25 Maintain A- Stable -
55 AGAHE Pakistan
Press Release | Report | History
Banks Entity 26-Apr-25 Upgrade BBB Stable -
56 Union Microfinance Company Limited
Press Release | Report | History
Banks Entity 25-Apr-25 Downgrade BB Stable Yes
57 Alfalah Securities (Pvt.) Limited (Formerly: Alfalah CLSA Securities (Pvt.) Limited)
Press Release | Report | History
Capital Markets Entity 23-Apr-25 Maintain A- Stable Yes
58 Optimus Capital Management (Pvt.) Limited
Press Release | Report | History
Capital Markets Entity 04-Apr-25 Maintain A- Stable -
59 JS Investments Limited (JSIL)
Press Release | Report | History
Non Banking Financial Institutes Entity 28-Mar-25 Initial A+ Stable -
60 JWS Pakistan
Press Release | Report | History
Banks Entity 28-Mar-25 Maintain BBB Stable -
61 SAFCO Microfinance Company (Private) Limited
Press Release | Report | History
Banks Entity 28-Mar-25 Maintain BBB Stable -
62 Sindh Microfinance Bank Limited
Press Release | Report | History
Banks Entity 28-Mar-25 Maintain A Stable -
63 The Punjab Provincial Cooperative Bank Limited
Press Release | Report | History
Banks Entity 19-Mar-25 Maintain BBB+ Stable -
64 U Microfinance Bank Limited
Press Release | Report | History
Banks Entity 14-Sep-24 Maintain A+ Stable -
65 ABHI Microfinance Bank Limited (formerly: FINCA Microfinance Bank Limited)
Press Release | Report | History
Banks Entity 23-Feb-24 Downgrade BBB+ Negative Yes
Complaints
Ms. Iram Tahir | Compliance Officer

+92 42 3586 9504-6 | compliance@pacra.com

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