{"id":1074,"date":"2024-09-02T04:29:18","date_gmt":"2024-09-02T04:29:18","guid":{"rendered":"https:\/\/pkfin.kotenterprises.dev\/?p=1074"},"modified":"2025-01-09T03:01:25","modified_gmt":"2025-01-09T03:01:25","slug":"moody-upgrades-ratings-of-5-pakistani-banks-to-positive","status":"publish","type":"post","link":"https:\/\/pkfin.kotenterprises.dev\/?p=1074","title":{"rendered":"Moody Upgrades Ratings of 5 Pakistani Banks to Positive"},"content":{"rendered":"\r\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.moodys.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Moody\u2019s<\/a> Investors Service has upgraded the long-term deposit ratings of five leading Pakistani banks\u2014Allied Bank Limited (ABL), Habib Bank Limited (HBL), MCB Bank Limited (MCB), National Bank of Pakistan (NBP), and United Bank Limited (UBL)\u2014from Caa3 to Caa2. This rating action reflects the improved creditworthiness of Pakistan, following the recent upgrade of the country\u2019s sovereign rating to Caa2 from Caa3.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The ratings agency also upgraded the Baseline Credit Assessments (BCAs) of ABL, HBL, MCB, and UBL to caa2 from caa3, while NBP\u2019s BCA has been affirmed at caa3. Additionally, the outlook on all five banks&#8217; long-term deposit ratings has been revised to positive from stable.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Key Drivers Behind the Upgrade<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The upgrade of these banks\u2019 ratings follows Moody\u2019s decision to raise Pakistan\u2019s sovereign credit rating due to improving macroeconomic conditions and moderately better government liquidity and external positions. Moody\u2019s noted that these developments are beneficial for Pakistani banks, given their substantial holdings of sovereign debt securities and the high level of interconnection between the banks\u2019 credit profiles and that of the government.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">For NBP, the rating upgrade is also attributed to the government\u2019s enhanced capacity to provide support in times of need, given the bank\u2019s significant size within the banking system and the government\u2019s 75% ownership through the Pakistan Sovereign Wealth Fund (PSWF).<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Bank-Specific Analysis<\/strong><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong><a href=\"https:\/\/www.nbp.com.pk\/\" rel=\"nofollow noopener\" target=\"_blank\">National Bank of Pakistan (NBP)<\/a>:<\/strong> Moody\u2019s upgraded NBP\u2019s long-term deposit ratings to Caa2 from Caa3, driven by the sovereign rating upgrade. However, the BCA remains at caa3, balancing NBP\u2019s strong funding and liquidity profile with the expected weakening of its capital ratios. The latter is a result of a Supreme Court ruling related to a pension litigation case, which could cost the bank approximately PKR 98 billion, or around 25% of its shareholders\u2019 equity.<\/li>\r\n\r\n\r\n\r\n<li><strong><a href=\"https:\/\/www.hbl.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Habib Bank Limited (HBL)<\/a>:<\/strong> HBL\u2019s BCA and long-term deposit ratings have been upgraded to caa2 from caa3. The upgrade reflects HBL\u2019s strong liquidity buffers, robust deposit-funded profile, and solid earnings-generating capacity, although these strengths are balanced by elevated nonperforming loans and modest adjusted capital buffers.<\/li>\r\n\r\n\r\n\r\n<li><strong><a href=\"https:\/\/www.ubldigital.com\/\" rel=\"nofollow noopener\" target=\"_blank\">United Bank Limited (UBL)<\/a>:<\/strong> UBL\u2019s BCA and long-term deposit ratings were upgraded to caa2 from caa3. This decision reflects UBL\u2019s stable deposit base, strong liquid buffers, and moderating profitability. However, UBL also faces challenges from higher-than-average nonperforming loans and modest adjusted capitalization.<\/li>\r\n\r\n\r\n\r\n<li><strong><a href=\"https:\/\/www.mcb.com.pk\/\" rel=\"nofollow noopener\" target=\"_blank\">MCB Bank Limited (MCB)<\/a>:<\/strong> MCB\u2019s long-term deposit ratings and BCA were upgraded to caa2 from caa3. This upgrade is based on the bank\u2019s strong profitability, stable deposit base, and liquidity buffers. However, MCB\u2019s high asset risks amid a challenging environment and weak adjusted capitalization remain concerns.<\/li>\r\n\r\n\r\n\r\n<li><strong><a href=\"https:\/\/www.abl.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Allied Bank Limited (ABL)<\/a>:<\/strong> ABL\u2019s BCA and long-term deposit ratings have been upgraded to caa2 from caa3, reflecting the bank\u2019s relatively low level of problem loans, stable deposit-based funding, and ample liquid buffers. However, ABL\u2019s modest adjusted capital buffers in a challenging operating context also influenced the rating.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Positive Outlook and Future Implications<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The positive outlook on all five banks&#8217; long-term deposit ratings aligns with the positive outlook on Pakistan\u2019s sovereign rating. Moody\u2019s believes that further improvements in Pakistan\u2019s operating environment, particularly in macroeconomic stability, could lead to additional upgrades in these banks\u2019 ratings. Conversely, any stabilization of the sovereign rating could stabilize the outlook on the banks\u2019 ratings, especially if there is a deterioration in their financial metrics, including asset quality, profitability, and capital adequacy.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The recent upgrades reflect a cautiously optimistic view of the Pakistani banking sector, driven by the country\u2019s improving macroeconomic conditions and the government\u2019s enhanced capacity to support its financial institutions.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Moody&rsquo;s Investors Service has upgraded the long-term deposit ratings of five leading Pakistani banks&mdash;Allied Bank Limited (ABL), Habib Bank Limited (HBL), MCB Bank Limited (MCB), National Bank of Pakistan (NBP), and United Bank Limited (UBL)&mdash;from Caa3 to Caa2. This rating action reflects the improved creditworthiness of Pakistan, following the recent upgrade of the country&rsquo;s sovereign [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1075,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[8],"tags":[670,402,668,669],"class_list":["post","format-standard"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Moody\u2019s Investors Service has upgraded the long-term deposit ratings of five leading Pakistani banks\u2014Allied Bank Limited (ABL), Habib Bank Limited (HBL), MCB Bank Limited (MCB), National Bank of Pakistan (NBP), and United Bank Limited (UBL)\u2014from Caa3 to Caa2. 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