First Habib Modaraba
PPSX:FHAM27.14
PKR
-0.24
(-0.88%)
First Habib Modaraba
PSX:FHAM
(Pakistan Stock Exchange)
Recent
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27.14
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- Business
- First Habib Modaraba (PSX: FHAM) is a Pakistan-based Islamic non-banking financial institution specializing in Shariah-compliant asset financing, leasing, and investment solutions. Managed by Habib Metropolitan Modaraba Management Company (Private) Limited, a subsidiary of Habib Metropolitan Bank Limited and part of the Habib Group, the company was established in 1985 and is headquartered in Karachi, Pakistan. First Habib Modaraba operates across Pakistan with regional presence in key commercial centers including Karachi, Lahore, Islamabad, and Multan, serving corporate enterprises, small and medium enterprises (SMEs), and individual clients across sectors such as textiles, engineering, pharmaceuticals, logistics, and power generation. The institution offers a comprehensive portfolio of Islamic financial products and services, including Ijarah facilities for the leasing of motor vehicles, commercial transport fleets, industrial machinery, and office equipment; Diminishing Musharakah structures for the medium- and long-term financing of commercial real estate, factory premises, and capital plant additions; Murabaha and Musawamah contracts for raw material procurement, inventory financing, and short-term working capital requirements; Istisna and Salam modes for manufacturing and trade transactions; and Certificate of Musharaka (CoM) investment products offering profit-sharing deposit opportunities for retail, high-net-worth, and institutional investors. In recent developments, First Habib Modaraba has broadened its financing scope with the rollout of dedicated green energy Ijarah solutions designed for commercial, industrial, and residential solar photovoltaic installations. The company has also accelerated the modernization of its operational infrastructure through digital loan origination and enhanced customer management platforms. In addition, First Habib Modaraba has continued to expand its Certificate of Musharaka deposit mobilization base and Shariah-compliant syndicated credit arrangements to support sustained balance sheet expansion and portfolio diversification in high-yield SME segments.