{"id":6120,"date":"2026-10-12T17:09:33","date_gmt":"2026-10-12T12:09:33","guid":{"rendered":"https:\/\/spinpk.com\/?p=6120"},"modified":"2026-10-12T17:09:33","modified_gmt":"2026-10-12T12:09:33","slug":"khushhali-microfinance-bank","status":"publish","type":"post","link":"https:\/\/spinpk.com\/index.php\/2026\/10\/12\/khushhali-microfinance-bank\/","title":{"rendered":"KHUSHHALI MICROFINANCE BANK SECURES TWO PRESTIGIOUS AWARDS AT PMN ANNUAL CONFERENCE"},"content":{"rendered":"
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\n \t<\/i> Read Time:<\/span>2 Minute, 1 Second <\/div>\n\n <\/div>

Khushhali Microfinance Bank Limited (KMBL), Pakistan\u2019s pioneering microfinance bank, received the \u201cBest Turnaround Microfinance Bank\u201d and \u201cBest Housing Finance MFB\u201d awards at the Pakistan Microfinance Network\u2019s 10th Annual Microfinance Conference (AMC-X). The Pakistan Microfinance Network (PMN) organised the AMC-X conference, in collaboration with UNIDO under the EU-funded PAIDAR programme.<\/p>\n

The honours reflect KMBL\u2019s momentum in driving financial recovery\u2014marked by reduced risk, stronger institutional fundamentals, and expanded support for affordable financial services including housing finance, Microenterprise and Agriculture Financing.<\/p>\n

\u201cThese two awards reflect the commitment and focused efforts of every member of the KMBL team,\u201d said Aameer Karachiwalla, President & CEO. \u201cOur turnaround has been driven by a strategic effort to de-risk our balance sheet, reduce cost of deposit, improve collection & portfolio quality, and by diversifying our lending book. We have invested in technology to enhance credit underwriting capabilities, established a robust loan verification function and deployed specialized teams to strengthen collection and recovery efforts. These initiatives have helped us build a stronger, more resilient institution. I would like to mention that the way our teams responded to these changes and helped build a strong bank has been marvelous..\u201d<\/p>\n

Strong Operational & Financial Turnaround<\/p>\n

The Best Turnaround Microfinance Bank award highlights KMBL\u2019s decisive financial recovery in FY2025, moving from a loss of Rs. 3.6 Billion in FY2024 to a pre-tax profit of Rs. 4.0 Billion in FY2025\u2014representing a total swing of Rs. 7.6 Billion. Key portfolio risk indicators improved significantly and Portfolio at Risk (PAR90) Declined from 6.2% to 3.8%.<\/p>\n

Championing Low-Cost Housing Finance<\/p>\n

Low-cost housing remains a strategic priority for KMBL in 2026. Following its recognition as the Best Housing Finance MFB, the Bank maintained strong momentum\u2014achieving a 47% growth in borrowers and expanding its housing portfolio by 56% during the year.<\/p>\n

Demonstrating strong lending execution, KMBL<\/a> reached Rs. 21 billion in total housing & home improvement disbursements (as of Sep-26).<\/p>\n

Leveraging its institutional capacity in mortgage finance, KMBL has actively driven government-backed housing subsidy schemes:
\n\u2022 Mera Pakistan Mera Ghar (2021): Disbursed 2,103 loans totalling Rs. 3,313 Mln.
\n\u2022 Wazir-e-Azam Apna Ghar Scheme: Approved 437 loans and disbursed approximately Rs. 945 Mln to low-income households as of September 2026.<\/p>\n

These honours reinforce KMBL\u2019s<\/a> commitment to building a resilient institutional foundation while advancing financial inclusion across Pakistan.<\/p>\n

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Khushhali Microfinance Bank Limited (KMBL), Pakistan\u2019s pioneering microfinance bank, received the \u201cBest Turnaround Microfinance Bank\u201d and \u201cBest Housing Finance MFB\u201d awards at the Pakistan Microfinance Network\u2019s 10th Annual Microfinance Conference (AMC-X). The Pakistan Microfinance Network (PMN) organised the AMC-X conference, in collaboration with UNIDO under the EU-funded PAIDAR programme. The honours reflect KMBL\u2019s momentum in…<\/p>\n","protected":false},"author":1,"featured_media":6121,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[7],"tags":[473],"class_list":["post-6120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-khushhali-microfinance-bank"],"_links":{"self":[{"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/posts\/6120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/comments?post=6120"}],"version-history":[{"count":1,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/posts\/6120\/revisions"}],"predecessor-version":[{"id":6122,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/posts\/6120\/revisions\/6122"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/media\/6121"}],"wp:attachment":[{"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/media?parent=6120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/categories?post=6120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/tags?post=6120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}