MMBL Continues to Be the Only Microfinance Bank to Secure a ‘Positive Outlook’ by PACRA

MMBL Continues to Be the Only Microfinance Bank to Secure a ‘Positive Outlook’ by PACRA

According to Pakistan Credit Rating Agency’s (PACRA) recent Credit Rating Assessments announced on April 30, 2022, Mobilink Microfinance Bank Limited (MMBL) has become the country’s only microfinance institution to receive a ‘Positive Outlook’ credit rating.

Furthermore, MMBL is one of only two banks in the whole banking industry — microfinance or commercial – to receive a Positive Outlook.

The bank maintained its favorable outlook from the previous year and remained outside of the Agency’s watchlist, while also maintaining its A/A1 Long-Term/Short-Term credit profile grade.

Customers’ unwavering faith in the bank is reflected in MMBL’s outstanding performance, which the bank has returned by digitizing and diversifying its operations to better serve its customers.

“It’s a privilege to be the first microfinance institution in Pakistan to receive a good outlook from PACRA two years in a succession despite the economic hurdles faced during the Covid-19 outbreak,” stated Ghazanfar Azzam, President & CEO of MMBL.

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“As we adjust to the new normal, we’d like to express our heartfelt gratitude to our customers and stakeholders for their unwavering faith in us, which serves as a powerful force propelling us forward toward long-term company growth.” “We aim to keep the winning streak going in the coming years,” he continued.

Sardar Mohammad Abubakr, Chief Finance & Digital Officer of Mobilink Bank, remarked on the achievement, “It is a proud moment for MMBL to be acknowledged as the industry’s only microfinance institution with a good business outlook.” This would not be possible without our clients’ unwavering faith in us and our team’s never-ending efforts to keep our promises to them.”


“We will stick to our winning strategy of focusing on the unexplored potential to diversify our business and establish recurring revenue streams through the implementation of sophisticated digital technology,” he added.

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With its huge digital financial ecosystem, MMBL, the country’s largest digital bank, has been trying to improve access to finance for impoverished and marginalized elements of society.

It provides a comprehensive range of goods and services that enable millions of consumers, including women, households, and small and medium businesses, to gain easy and convenient access to quality financial services. The digital environment has enabled MMBL to establish itself as a creative and forward-thinking financial institution in Pakistan’s financial market.

This year marks the bank’s tenth year of effective operations in Pakistan, a period distinguished by hard effort and innovation to promote digital financial inclusion and economic development in Pakistan.


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