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Meezan Bank
Meezan Bank (MEBL) investor relations material
Meezan Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary9 Feb, 2026
Executive summary
Profit after tax declined by 12% year-over-year to Rs 89.0 billion, primarily due to a lower average policy rate in 2025 compared to 2024.
Total assets grew by 23% to Rs 4.81 trillion, with significant growth in investments and deposits.
Deposits increased by 28% year-over-year to Rs 3.30 trillion, with a CASA ratio of 91%.
The branch network expanded to 1,105 branches across 363 cities.
Distribution to shareholders included a 280% cash dividend.
Financial highlights
Net spread earned decreased by 12% year-over-year to Rs 252.5 billion.
Fee, commission, and other income grew by 6% to Rs 22.7 billion.
Operating expenses increased by 3% to Rs 86.8 billion.
Cost to income ratio rose to 30.4% from 26.8% in 2024.
Basic earnings per share fell 13% year-over-year to Rs 49.54.
Outlook and guidance
Management highlighted continued focus on digitalization, branch expansion, and maintaining asset quality.
Emphasis on growing fee-based income and maintaining high CASA ratios.
What is the plan to reverse the rising Cost to Income Ratio?
What is the outlook for NPLs and coverage?
What is the strategy behind the shift to investments?
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Latest events from Meezan Bank
- PAT down 13% YoY to Rs 67.2bn; assets, deposits, investments, and CAR saw strong growth.MEBL
Q3 202531 Oct 2025 - Profit after tax up 59% YoY to Rs 51.8 billion, with strong digital and asset growth.MEBLQ2 202422 Aug 2025
- Profit after tax surged 34% year-over-year, driven by robust digital and deposit growth.MEBLQ3 202422 Aug 2025
- Profit after tax rose 20% to Rs 101.5 billion, with strong digital and asset growth.MEBLQ4 202422 Aug 2025
- Profit dropped 12% YoY, but assets, deposits, and digital usage saw robust growth.MEBLQ1 202522 Aug 2025
Next Meezan Bank earnings date
Q1 202621 Apr, 2026
Meezan Bank
Next Meezan Bank earnings date
Q1 202621 Apr, 2026
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