LAHORE (PR) - PACRA has maintained the long-term and short-term entity ratings of Bank AL-Habib Limited at AA+ (Double A Plus) and A1+ (A One Plus), respectively. The ratings of the subordinated and unsecured TFC issues of Rs 1,350 million, 1,500 million and 2,000 million have also been maintained at AA (Double A). These ratings denote a very low expectation of credit risk emanating from a very strong capacity for timely payment of financial commitments. The ratings reflect the hanks sustained performance exceptional asset quality and satisfactory financial profile. The rating draw comfort from prudent risk management policies and the managements conservative risk appetite. The ratings incorporate the banks focus towards product innovation and outreach expansion to manage competitive pressure.