First Habib Modaraba · PSX:FHAM
First Habib Modaraba — Investor Presentation (October 2025)
38 slides from First Habib Modaraba's investor presentation, Oct 8, 2025
Slide 1: First Habib Modaraba (FHM) Corporate Briefing Session 2024-25
First Habib Modaraba (FHM) Corporate Briefing Session 2024-25 Wednesday, October 08, 2025
Slide 2: Presentation Outline
Presentation Outline Modaraba Profile Governance Operations Financial Performance Awards and Ratings Update Way Forward Wednesday, October 08, 2025 FHM – All rights reserved
Slide 3: Modaraba Profile
Modaraba Profile Wednesday, October 08, 2025 FHM – All rights reserved
Slide 4: Brief Profile of First Habib Modaraba
Brief Profile of First Habib Modaraba First Habib Modaraba (FHM) a subsidiary of Habib Metropolitan Bank, Limited, established in 1985, and has completed 40th years of successful business operation. Throughout FHM has maintained longstanding drive towards sustaining its position as leading Modaraba
Slide 5: Alhamdulillah: Four Decades of Dedication
Alhamdulillah Four Decades of Dedication, Passion Legacy of Trust, and Integrity, Achievement Innovation and Progress
Slide 6: Organogram
ORGANOGRAM Board of Director Shariah Advisor Audit HR Committee Committee Chief Executive Officer Internal Audit Company Compliance Secretary Shariah Risk Credit Finance Marketing Credit Compliance Management Administration Legal & Recovery Treasury Information HR & Admin Investment Technology Wedne
Slide 7: Group Structure
Group Structure Habib Metropolitan Bank Parent Bank Limited (Parent Company) Habib Metropolitan Modaraba Management (Private) Wholly owned subsidiary of Limited Habib Metro Bank Modaraba Management Company 10% controlling shareholding First Habib Modaraba (Modaraba Fund) Wednesday, October 08, 2025
Slide 8: Governance
Governance Wednesday, October 08, 2025 FHM – All rights reserved
Slide 9: Board of Directors of Management Company
Board of Directors of Management Company Mr. Mohammad Shams Mr. Muhammad Shoaib Mr. Saeed Uddin Khan Izhar Ibrahim Non-Executive Chairman Chief Executive Officer Independent Director Non-Executive Director Executive Director Mr. Syed Rasheed Akhtar Mr. Usman Nurul Abedin Dr. Irum Saba Non-Executive
Slide 10: Governance Structure
Governance Structure Strategy Committee BOARD Audit Committee Asset Chief Human Resource & Liability Management committee Executive Credit Committee Remuneration Committee Officer Information Technology Steering Committee Wednesday, October 08, 2025 FHM – All rights reserved
Slide 11: SWOT
SWOT • Successful business journey of 4 decades • Strong financial position and profitability • Well respected and reputable brand within Non-Banking Islamic Financial Sector • Sound equity base and high Capital Adequacy Ratio • Subsidiary of one the well reputed and sound institution of Pakistan i.
Slide 12: Shariah Governance and Risk Appetite
Shariah Governance Uphold Shariah governance culture and atmosphere in line with Islamic principles Risk Appetite During the year 2024-25, The amount of risk an the Shariah Compliance organization is willing to Department conducted On the basis assume in the pursuit of its of Shariah strategic objec
Slide 13: Risk Governance
Risk Governance The Management has established a clear and prudent Risk Appetite Risk Statement to guide FHM strategic Appetite The amount of risk an decisions and ensure long-term organization is willing to assume in the pursuit of its stability. This statement defines strategic objectives. the max
Slide 14: Operations
Operations Wednesday, October 08, 2025 FHM – All rights reserved
Slide 15: FHM Products
FHM PRODUCT CERTIFICATE OF HOUSE FINANCE DIMINISHING CONSUMER MURABAHA SALAM ISTISNA INVESTMENT DIMINISHING MUSHARAKA AUTO FINANCE (MUSHARAKA) MUSHARAKA Wednesday, October 08, 2025 FHM – All rights reserved
Slide 16: Sector Engagements
SECTOR ENGAGEMENTS Sectors Top 6 Sectors PHARMACEUTICALS As on June 2025 SERVICES INDIVIDUALS FOOD & ALLIED CHEMICAL TEXTILE TEXTILE 9.24% IT & TELECOM SUGAR ALLIED CHEMICAL PHARMACEUTICALS CABLE & ELECTRICAL GOODS 9.31% 16.11% OIL & GAS EXPLORATION CARGO, COURIER LOGISTICS SERVICES HEALTH CARE SERV
Slide 17: Branch Offices
Branch Offices Karachi Branch: Lahore Branch: 3rd Floor, Al-Manzoor Building, 1st Floor, 5-Z Block, Phase III, Defence Dr. Ziauddin Ahmed Road. Karachi. Housing Authority, Lahore. Tel : 021-32635949-51 Tel : 042-35693074-76 Islamabad Branch: Multan Branch: Office No. 513, 5th Floor, ISE Towers, Mezzan
Slide 18: Staff Strength and Training 2024-25
Training During 2024-25 Staff No. of Training Analysis Areas Trainings Strength 18% 18% 18% 2024-25 Business Development 5 13% 13% 13% Total staff 10% Credit & Operations AML & Compliance 7 7 strength as Shariah Compliance Islamic Finance & Audit 5 7 SSD 4 at June 30, Soft Skills Training Grand Tota
Slide 19: Financial Performance
Financial Performance Wednesday, October 08, 2025 FHM – All rights reserved
Slide 20: Financial Highlights For the Year 2024-25
Financial Highlights For the Year 2024-25 Board Meeting conducted within 38 days for approval of Financial 22.5% Cash Dividend statements for the Year ended Disbursement declared for June 2025 Rs.19.6 billion June 30, 2025 29.17% Fund Finance Book mobilization touched to reached to Rs.32.7 billion •
Slide 21: Key Financial Data Comparing Two Years
KEY FINANCIAL DATA COMPARING TWO YEARS Rs. In millions 2025 2024 % Balance Sheet footing 34,749 26,410 32% Financing Assets 32,659 25,126 30% Disbursement for the period 19,637 15,202 29% Deposit / Borrowing 27,068 19,353 40% Profit before Tax 1,245 1,181 5% Profit after Tax 901 690 31% Earning Per
Slide 22: Key Financial Data for Six Years
KEY FINANCIAL DATA FOR SIX YEARS Rs. In millions 2025 2024 2023 2022 2021 2020 Total Assets 34,749.38 26,409.93 20,539.86 17,162.82 12,122.53 9,913.06 Diminishing Musharaka Financing Asset 32,658.43 25,125.60 17,981.78 13,183.23 9,913.81 7,002.50 Diminishing Musharaka Asset Disbursement 19,637.23 15
Slide 23: Growth Pattern of Last Six Years: Balance Sheet Footing
GROWTH PATTERN OF LAST SIX YEARS Millions Balance Sheet Footing 40,000 34,749 35,000 30,000 26,415 25,000 20,540 20,000 17,163 15,000 12,123 9,913 10,000 5,000 - 2020 2021 2022 2023 2024 2025 Wednesday, October 08, 2025 FHM – All rights reserved
Slide 24: Growth Pattern of Last Six Years: Financing Assets
GROWTH PATTERN OF LAST SIX YEARS Millions Financing Assets 35,000 32,659 30,000 25,126 25,000 20,000 19,226 15,903 15,000 10,775 10,000 5,000 - 2021 2022 2023 2024 2025 Wednesday, October 08, 2025 FHM – All rights reserved
Slide 25: Statement of Financial Position Composition
STATEMENT OF FINANCIAL POSITION COMPOSITION 2025 2024 17% 19% 83% 81% Equity & Liabilities Certificate Holders’ Equity Certificate Holders’ Equity Current Liabilities Current Liabilities 2025 2024 94% 95% Assets 2% 4% 2% 3% Financing Assets Financing Assets Investments Investments Other Assets Other
Slide 26: Average Dividend Payment 23.25% Per Annum
LAST 10 YEARS AVERAGE DIVIDEND PAYMENT 23.25% PER ANNUM 30% 28% 28% 28% 25% 25% 22.5% 20% 20% 20% 20% 21% 20% 15% 10% 05% 0 2016 2017 2018 2019 20250 2021 2022 2023 2024 2025 40 YEARS OF UNBROKEN DIVIDEND PAYOUT FHM NEVER SKIPPED DIVIDEND SINCE INCEPTION Wednesday, October 08, 2025 FHM – All rights
Slide 27: Market Value vs Book Value per Modaraba Certificate
MARKET VALUE VS BOOK VALUE PER MODARABA CERTIFICATE Rupees MARKET VALUE VS BOOK VALUE PER MODARABA CERTIFICATE 50 45 40 35 30 25 20 15 10 5 - 2020 2021 2022 2023 2024* 2025* Market Value Per Modaraba Book Value Per Modaraba Certificate •High increase was due to change in face of value of Modaraba Ce
Slide 28: Awards and Ratings Update
Awards and Ratings Update Wednesday, October 08, 2025 FHM – All rights reserved
Slide 29: Award Received During the Year
Award received during the Year BEST CORPORATE REPORT AWARD from Corporate Excellence Award from the ICAP & ICMAP Management Association of Pakistan The joint Committee of the Institute of (MAP) Chartered Accountant of Pakistan (ICAP) On 23th October, 2024, Management and Institute of Cost & Manageme
Slide 30: Last 5 Years Acknowledgments
LAST 5 YEARS ACKNOWLEDGMENTS Wednesday, October 08, 2025 FHM – All rights reserved
Slide 31: Overall Awards: Pakistan and International Recognitions
FIRST HABIB MODARABA Overall Awards Pakistan & International Recognitions Best Performing Modaraba NBFI & Modaraba Association Pakistan 24 Awards Other Awards Pakistan Observer Best Modaraba Management Award Federation of Pakistan Best Corporate Report 15 Awards Chambers of Commerce & ICAP & ICMAP I
Slide 32: Credit Ratings
CREDIT RATINGS Assigned by Pakistan Credit Agency Ltd. (PACRA) AA+ Credit Rating since AA+ A1+ last 17 years Long Term Short Term AA AA AA AA AA AA AA AA+ AA + + + + + + + + 2016 2017 2018 2019 2020 2021 2022 2023 2024 AA AA AA AA AA AA AA AA + + + + + + + + 2008 2009 2010 2011 2012 2013 2014 2015 W
Slide 33: Way Forward
Way Forward Wednesday, October 08, 2025 FHM – All rights reserved
Slide 34: Business Expansion 2025-26
Business Further Expansion Increase Market Share 2025-26 Excellent Strengthen Strengthen Strong Risk System Shariah Internal Management Support Governance Control Function Robust Further Compliance Strengthening 34 Culture Credit Quality Wednesday, October 08, 2025 FHM – All rights reserved
Slide 35: Enhancing CSR Activities for Community
Enhancing CSR activities for Community Through Various Support Program Wednesday, October 08, 2025 FHM – All rights reserved
Slide 36: ESG: Our Approach and Sustainability Initiatives
Our ESG approach and Sustainability Initiatives Besides, financial soundness and high performance of the entity, our commitment to Environmental, Social, and Governance Environment (ESG) principles remains our core objective and strategic priority. These strategic commitments reflect our determinati
Slide 37: Q & A Session
Q & A Session Wednesday, October 08, 2025 FHM – All rights reserved
Slide 38: Thank You
THANK YOU {AN ISLAMIC FINANCIAL INSTITUTION)
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