PACRA Maintains Capital Preservation Rating of ABL Special Savings Fund

ABL Special Savings Fund is an open-end Capital Protected Fund that aims to provide not only its unit-holders capital preservation but competitive regular returns from a portfolio of fixed-income investments in line with the risk tolerance of the Investor. The Fund offers a flexible investment architecture through multiple Allocation Plans, catering to varying investor preferences in terms of duration and liquidity. Currently, six Allocation Plans are operational under the Fund’s umbrella: Special Saving Plan I, II, III, IV, V, and VI. While the Fund itself is perpetual in nature, each Allocation Plan may either have a defined maturity or be structured as an open-ended product, enabling agile alignment with changing market conditions and investor goals. As of March'25, the Fund’s Assets Under Management (AUMs) reached PKR 72 bln, indicating sustained investor confidence and strong inflows. The portfolio strategy remains conservative and credit-focused. Approximately 36% of the Fund’s assets were allocated to Treasury Bills (T-bills), 35% to Pakistan Investment Bonds (PIBs), and 26% to cash deposits. The remaining allocation comprised other authorized fixed-income instruments. This composition reflects the Fund’s active duration management and liquidity optimization approach, positioning it to navigate interest rate cycles effectively. The Fund’s credit quality profile remains exceptionally strong. As of March'25, 94% of the portfolio was concentrated in sovereign and AAA rated instruments, 3.6% in AA- rated securities, and the remaining 1.7% in other instruments. This high-grade credit exposure underscores the Fund’s risk-averse philosophy and its mandate to protect investor capital under all market conditions.
Going forward, any material changes in the investment policy or the devised rating criteria for the assigned rating would have an impact on the rating.

About the Entity
Incorporated in 2007, ABL AMC is a wholly owned subsidiary of Allied Bank Limited (ABL). ABL operates with 1,400 plus branches including 117 Islamic banking branches, 8 Digital/ Self Service branches & 2 overseas branches. ABL AMC possesses licenses for asset management, pension management, and investment advisory services. As the leading private sector asset management and investment advisory Company in Pakistan, offerings include a comprehensive range of both Conventional and Shariah Compliant investment solutions across all major asset classes. Assets under management of the Company stood at ~PKR 280bln at the end Apr'25.