Islamabad
\nBank Alfalah, a leading commercial Bank, has successfully raised PKR 20 billion through the issuance of a AAA-rated Tier 2 Term Finance Certificate (TFC), marking the largest TFC issuance in Pakistan\u2019s banking industry and the Bank\u2019s first AAA-rated TFC.
\nThe successful issuance follows approval from the State Bank of Pakistan and received strong participation from institutional investors, reflecting the market\u2019s confidence in Bank Alfalah\u2019s financial strength, sound governance and long-term growth strategy.
\nIssued under the Basel III regulatory framework, this Tier 2 Issue is a key element of the Bank\u2019s growth strategy and will further complement our Growth Capital allowing the Bank to continue its aggressive growth strategy particularly in SME, ESG initiatives and the Consumer segment.
\nThe landmark transaction will allow the bank to increase its core profitability and enhance long term shareholder returns.
\nThe successful issuance builds on Bank Alfalah\u2019s strong financial performance and disciplined balance sheet management. As of December 31, 2025, the Bank reported a profit after tax of PKR 28.34 billion, total deposits of PKR 2.49 trillion, gross advances of PKR 1.15 trillion, while maintaining a Capital Adequacy Ratio (CAR) of 15.87%, comfortably above the regulatory minimum.
\nServing more than 9.7 million customers through a nationwide network of 1,200 branches across over 245 cities, Bank Alfalah continues to strengthen its position as one of Pakistan\u2019s leading financial institutions through prudent financial management, innovation and a customer-centric approach.
\nThis is further strengthened by the recent announcement of PACRA to maintain Bank Alfalah\u2019s long term rating at AAA, and short term rating of A1+ with Stable outlook.
\nCommenting on the successful issuance, Aasim Wajid Jawad, Group Head Strategy, Transformation, Customer Experience and VC Investments, said, \u201cThis transaction marks a defining milestone in Bank Alfalah\u2019s capital markets journey.
\nSuccessfully completing Pakistan\u2019s banking industry\u2019s largest TFC issuance and our first AAA-rated TFC reflects the confidence that investors place in our financial strength, strategic direction and disciplined approach to growth.
\nBy further strengthening our capital base, we are enhancing our capacity to support customers, capture future growth opportunities and contribute meaningfully to Pakistan\u2019s economic progress.\u201d
\nPervez Shahbaz Khan, Group Head, Global Markets & Treasury, Bank Alfalah, added, \u201cThe successful execution of this landmark transaction demonstrates the depth of investor confidence in Bank Alfalah\u2019s credit quality and financial resilience.
\nWe are delighted by the strong institutional investor participation, which enabled us to successfully complete the largest TFC issuance undertaken by Pakistan\u2019s banking industry.\u201d
\nThe successful completion of this transaction underscores Bank Alfalah\u2019s commitment to maintaining a strong capital position in line with Basel III requirements while continuing to create long-term value for customers, investors, regulators and the communities it serves.
\nAs the Bank continues to invest in innovation, digital transformation and sustainable growth, it remains well positioned to support Pakistan\u2019s evolving financial landscape and drive inclusive economic development.<\/p>\n","protected":false},"excerpt":{"rendered":"
Islamabad Bank Alfalah, a leading commercial Bank, has successfully raised PKR 20 billion through the issuance of a AAA-rated Tier 2 Term Finance Certificate (TFC), marking the largest TFC issuance in Pakistan\u2019s banking industry and the Bank\u2019s first AAA-rated TFC. The successful issuance follows approval from the State Bank of Pakistan and received strong participation …<\/p>\n","protected":false},"author":4,"featured_media":100047,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-100067","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/posts\/100067","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/comments?post=100067"}],"version-history":[{"count":1,"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/posts\/100067\/revisions"}],"predecessor-version":[{"id":100089,"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/posts\/100067\/revisions\/100089"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/media\/100047"}],"wp:attachment":[{"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/media?parent=100067"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/categories?post=100067"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nabanews.pk\/en\/wp-json\/wp\/v2\/tags?post=100067"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}