Eighteen months ago, we acquired a struggling bank and rapidly turned it around by implementing a secured lending model and digital-first strategy, restoring profitability and establishing a strong foundation for sustainable growth. Our goal is to create Pakistan’s leading digital bank under the State Bank’s Branchless Banking license, providing responsible and inclusive financial services to millions.

Strong capitalization is essential for building trust and enabling responsible growth. We have focused on enhancing our capital base through significant Tier 1 injections and organic profitability, generating approximately PKR 2.5 billion. As we plan to list ABHI Bank on the Pakistan Stock Exchange and raise PKR 2–3 billion through an Initial Public Offering (IPO), we believe this marks a strategic investment in our future.

The IPO will strengthen our balance sheet, expand lending capacity, and accelerate our digital initiatives, allowing us to seize opportunities in Pakistan’s evolving financial landscape. We aim to build a new generation of digital banks that cater to changing financial needs.

Our long-term capitalization strategy includes diversifying our capital structure and maintaining disciplined risk management to support growth. The IPO proceeds will enhance our Banking-as-a-Service platform and scale our secured lending network, reinforcing our commitment to building a resilient and scalable digital bank.

Our vision extends beyond fundraising; it’s about establishing a robust financial institution that contributes to Pakistan’s economic development and prosperity.