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Meezan Bank
Meezan Bank (MEBL) investor relations material
Meezan Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Profit after tax for 9M'25 was Rs 67.2 billion, a 13% decline year-over-year due to lower policy rates, implementation of minimum deposit rates on Islamic banks, and higher taxes.
Basic EPS for 9M'25 was Rs 37.42, down from Rs 43.00 year-over-year; ROE at 34.6% and ROA at 2.2%.
Total assets grew 25% year-over-year to Rs 4.24 trillion, led by a 34% increase in investments.
Deposits rose 23% to Rs 3.18 trillion, with CASA deposits up 28% year-over-year and a CASA mix of 94%.
Interim cash dividend of Rs 7.00 per share for Q3, totaling Rs 21.00 per share for the nine months.
Financial highlights
Net spread earned declined 12% year-over-year to Rs 188.2 billion.
Fee, commission, and other income increased 42% to Rs 25.8 billion.
Operating expenses decreased 6% year-over-year to Rs 62.7 billion.
Gross financings dropped 25% from Dec-24 to Rs 1.17 trillion; investments rose 34% to Rs 2.51 trillion.
NPL/NPF ratio increased to 2.63% from 1.62% in Dec-24; NPL coverage ratio at 146%.
Outlook and guidance
Focus on supporting economic growth and financial stability through Islamic banking leadership.
Strategic emphasis on core deposit growth, digital transformation, and compliance with Shariah directives.
Return on equity for 9M'25 was 34.6%, down from 49.4% in Dec-24.
Capital adequacy ratio improved to 23.36% from 20.35% in Dec-24.
Challenges include lower policy rates, minimum deposit rate implementation, and high tax environment.
Quantify policy rate impact on net spread.
Reason for financing decline and investment growth.
IFRS 9 impact on 2024 PAT and EPS restatement.
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Next Meezan Bank earnings date
Q4 20259 Feb, 2026
Meezan Bank
Next Meezan Bank earnings date
Q4 20259 Feb, 2026
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