KARACHI 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, Says a press release. The ratings of the subordinated and unsecured TFCs issues of PKR 1,350mln, PKR 1,500m and PKR 2,000m 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 banks sustained performance, exceptional asset quality, and satisfactory financial profile. The ratings draw comfort from prudent risk management policies and the managements conservative risk appetite.