Karachi, February 9th, 2025: The Board of Directors of Meezan Bank, in its meeting held on February 9th, 2025 approved the financial statements of the Bank and its consolidated financial statements for the year ended December 31, 2025. The meeting was chaired by Mr. Riyadh S.A.A. Edrees – Chairman of the Board.
Meezan Bank reported a Profit After Tax (PAT) of Rs. 89.0 billion for the year ended December 31, 2025, delivering a strong Return on Equity of 34%. This performance reflects the Bank’s continued commitment to creating sustainable value for its shareholders. Basic Earnings Per Share (EPS) stood at Rs. 49.54, compared to Rs. 56.62 in 2024. The Board of Directors has approved a final cash dividend of Rs. 7 per share (70%), bringing the total cash dividend for 2025 to Rs. 28 per share (280%), following the interim dividend of Rs. 21 per share (210%) paid during the first nine months of the year. Meezan Bank’s financial position remains robust, with a Capital Adequacy Ratio of 19.2%, well above the regulatory requirement of 11.5%. The Bank’s market capitalization has surpassed USD 3.2 billion, reinforcing its position as one of Pakistan’s most valuable companies.
For the year ended 2025, Meezan Bank reported a net spread of Rs. 252.5 billion, compared to Rs. 287.0 billion in the previous year, primarily reflecting the impact of a lower policy rate environment. In contrast, the Bank’s non-funded income recorded strong growth of 13% year-on-year, rising to Rs. 32.6 billion from Rs. 28.9 billion in 2024, highlighting the diversification and resilience of its revenue streams.
At year-end, Meezan Bank’s total deposits surpassed a significant milestone, reaching Rs. 3.30 trillion, representing a 28% increase from Rs. 2.58 trillion at the close of 2024. In addition, the Bank’s Roshan Digital Account (RDA) programme recorded cumulative inflows of USD 3.4 billion since inception, capturing 29% of total industry inflows. This achievement further reinforces Meezan Bank’s position as the preferred banking partner for overseas Pakistanis.
As at year-end 2025, Meezan Bank’s gross financings stood at Rs. 1.69 trillion. The Bank maintained a strong asset quality profile, with a non-performing financing (NPF) ratio of 1.8%, among the lowest in the industry. Reflecting its prudent risk management practices, the non-performing financing coverage ratio remained robust at 146%. During the year, Meezan Bank also expanded its investment portfolio to Rs. 2.60 trillion, representing a significant growth of 39% compared to the end of 2024.
