Skip to content
Smart Money
Create free account Log in

Commercial Banks

MEBL Meezan Bank Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Watch MEBL · free results alerts

Last close · 16 Oct 2026

Rs 545.82 -0.48%

Annual · FY2006 – FY2025

Meezan Bank Limited (MEBL) balance sheet

At the end of FY2025 (Jan – Dec 2025) Meezan Bank Limited had total assets of Rs 4.82 tn, up 23.2% on FY2024. Deposits were Rs 3.30 tn, up 27.8% on FY2024 and net advances Rs 1.64 tn. Investments stood at Rs 2.60 tn. Shareholders' equity was Rs 285.7 bn (Rs 158.66 per share), 5.9% of total assets.

MEBL balance sheet (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 331.8 275.0 254.8 131.7 187.0
Lendings to financial institutions 27.8 35.3 35.5 39.8 238.4
Investments 2,595.9 1,869.3 1,571.5 1,283.3 624.3
Advances (net) 1,639.9 1,513.6 960.4 990.3 758.1
Fixed assets 73.0 68.8 59.2 40.6 34.2
Intangible assets 3.5 3.0 2.4 1.9 1.5
Other assets 117.0 129.4 128.6 90.0 64.2
Total assets 4,819.9 3,912.2 3,019.3 2,581.9 1,907.7
Liabilities
Deposits 3,302.3 2,584.6 2,217.4 1,658.5 1,455.9
Borrowings 1,007.5 882.8 460.6 701.1 277.5
Total liabilities 4,531.7 3,658.6 2,829.3 2,462.8 1,817.2
Equity
Share capital 18.0 17.9 17.9 17.9 16.3
Equity attributable to shareholders 285.7 251.7 188.5 117.9 89.2
Total equity 288.2 253.6 190.0 119.1 90.4
Total liabilities & equity 4,819.9 3,912.2 3,019.3 2,581.9 1,907.7
Key figures
Gross advances 1,685.5 1,555.3 995.1 1,019.0 758.1
Provision against advances 45.3 41.6 30.4 22.6 —
Advances to deposits (ADR) 0.50× 0.59× 0.43× 0.60× 0.52×
Shares outstanding mn 1,800.6 1,794.7 1,791.3 1,789.6 1,789.6
Common equity 285.7 251.7 188.5 117.9 89.2
Book value per share (Rs) Rs 158.66 140.25 105.22 65.90 49.87
MEBL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks +20.6% +7.9% +93.4% -29.5% +26.9%
Lendings to financial institutions -21.3% -0.7% -10.8% -83.3% -32.3%
Investments +38.9% +18.9% +22.5% +105.5% +43.3%
Advances (net) +8.3% +57.6% -3.0% +30.6% +49.1%
Fixed assets +6.0% +16.4% +45.6% +18.8% +43.1%
Intangible assets +18.0% +24.9% +26.5% +24.4% +37.9%
Other assets -9.6% +0.6% +42.8% +40.3% +22.6%
Total assets +23.2% +29.6% +16.9% +35.3% +25.0%
Liabilities
Deposits +27.8% +16.6% +33.7% +13.9% +16.1%
Borrowings +14.1% +91.7% -34.3% +152.6% +90.5%
Total liabilities +23.9% +29.3% +14.9% +35.5% +25.0%
Equity
Share capital +0.3% +0.2% +0.1% +10.0% +15.0%
Equity attributable to shareholders +13.5% +33.6% +59.8% +32.1% +24.0%
Total equity +13.6% +33.5% +59.5% +31.7% +23.5%
Total liabilities & equity +23.2% +29.6% +16.9% +35.3% +25.0%
Key figures
Gross advances +8.4% +56.3% -2.4% +34.4% +43.6%
Provision against advances +9.0% +37.1% +34.4% — —
Advances to deposits (ADR) — — — — —
Shares outstanding — — — — —
Common equity +13.5% +33.6% +59.8% +32.1% +24.0%
Book value per share (Rs) +13.1% +33.3% +59.7% +32.1% +24.0%

Change against the previous fiscal year; shown when the earlier figure is positive.

MEBL balance sheet — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 6.9% 7.0% 8.4% 5.1% 9.8%
Lendings to financial institutions 0.6% 0.9% 1.2% 1.5% 12.5%
Investments 53.9% 47.8% 52.0% 49.7% 32.7%
Advances (net) 34.0% 38.7% 31.8% 38.4% 39.7%
Fixed assets 1.5% 1.8% 2.0% 1.6% 1.8%
Intangible assets 0.1% 0.1% 0.1% 0.1% 0.1%
Other assets 2.4% 3.3% 4.3% 3.5% 3.4%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 68.5% 66.1% 73.4% 64.2% 76.3%
Borrowings 20.9% 22.6% 15.3% 27.2% 14.5%
Total liabilities 94.0% 93.5% 93.7% 95.4% 95.3%
Equity
Share capital 0.4% 0.5% 0.6% 0.7% 0.9%
Equity attributable to shareholders 5.9% 6.4% 6.2% 4.6% 4.7%
Total equity 6.0% 6.5% 6.3% 4.6% 4.7%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Gross advances 35.0% 39.8% 33.0% 39.5% 39.7%
Provision against advances 0.9% 1.1% 1.0% 0.9% —
Common equity 5.9% 6.4% 6.2% 4.6% 4.7%

Each line as a percentage of total assets.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 164
MEBL balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Short-Term Deposits Due from Banks - Total 331.8 275.0 254.8 131.7 187.0
Cash & Short-Term Deposits Due from Banks 57.3 72.8 60.3 55.3 16.5
Funds with Central Banks 274.6 202.2 194.6 76.4 170.5
Lending & Long-Term Deposits Due from Banks 27.8 35.3 35.5 39.8 238.4
Inter-Bank Loans & Long-Term Deposits with Other Banks 27.8 35.3 35.5 39.8 238.4
Loans & Receivables - Total 1,655.4 1,519.6 960.4 990.4 758.1
Receivables - Other 15.5 6.0 0.1 0.1 —
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 407.6 32.3 11.4 31.4 —
Derivative Financial Instruments - Hedging - Total 2.5 1.7 — — —
Banking Related Loans – Net 1,639.9 1,513.6 960.4 990.3 758.1
Loans - Gross 1,685.5 1,555.3 995.1 1,019.0 758.1
Investment Securities - Other — — — — —
Investment Property 0.5 0.5 0.1 0.1 —
Loans - to Customers - Other - Gross 1,685.5 1,555.3 995.1 1,019.0 758.1
Investments - Other - Total 2,187.8 1,836.5 1,560.1 1,251.8 —
Investments - Total 2,595.9 1,869.3 1,571.5 1,283.3 624.3
Unearned Income - Customers 0.3 0.1 4.3 6.1 —
Reserves for Loan Losses 45.3 41.6 30.4 22.6 —
Investment Securities - Held for Trading 0.0 0.0 0.0 0.1 —
Investment Securities Available for Sale & Held to Maturity 407.6 32.3 11.4 31.3 —
Property, Plant & Equipment - Net - Total 73.0 68.8 59.2 40.6 34.2
Property, Plant & Equipment - Gross - Total 121.5 107.4 89.4 66.6 —
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 48.4 38.5 30.3 26.0 —
Investment Securities - Available for Sale - Total 407.6 32.3 11.4 31.3 —
Government Securities - Available for Sale/Held to Maturity 390.3 21.1 0.0 23.2 —
Other Assets - Total 117.0 129.4 128.6 90.0 64.2
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries 12.9 10.1 6.9 4.2 —
Deferred Tax - Asset - Long-Term & Short-Term 0.0 0.0 0.0 4.4 0.0
Prepaid Expenses - Total 90.5 99.5 108.2 71.4 —
Other Assets 26.5 29.9 20.4 14.2 64.2
Intangible Assets - Total - Net 3.5 3.0 2.4 1.9 1.5
Intangible Assets - excluding Goodwill - Net - Total 3.5 3.0 2.4 1.9 1.5
Intangible Assets - Gross - Total 8.1 6.8 5.4 4.4 —
Intangible Assets - excluding Goodwill - Gross 8.1 6.8 5.4 4.4 —
Intangible Assets - Accumulated Amortization & Impairment - Total 4.6 3.8 3.1 2.5 —
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total 4.6 3.8 3.1 2.5 —
Computer Software - Intangible Assets - Net 3.5 3.0 2.4 1.9 1.5
Computer Software - Intangible Assets - Gross 8.1 6.8 5.4 4.4 —
Computer Software - Intangible Assets - Accumulated Amortization & Impairment 4.6 3.8 3.1 2.5 —
Total Assets 4,819.9 3,912.2 3,019.3 2,581.9 1,907.7
Deposits - Total 3,302.3 2,584.6 2,217.4 1,658.5 1,455.9
Deposits - Non-Interest Bearing — — — — —
Debt - Total 1,007.5 882.8 460.6 701.1 277.5
Short-Term Debt & Current Portion of Long-Term Debt 907.4 774.0 350.2 544.6 211.5
Deposits - Customers - Total 3,283.5 2,567.9 2,204.4 1,649.4 —
Deposits - Demand -Customer 1,566.6 1,202.4 1,070.3 774.9 —
Deposits - Savings - Customer 1,696.0 1,344.4 1,107.3 832.1 —
Deposits - Other - Customer 20.9 21.1 26.7 42.4 —
Deposits - Due to Banks & Financial Institutions 18.8 16.7 13.0 9.0 —
Deposits - Demand Deposits - Due to Banks & Financial Institutions 1.8 5.3 1.6 2.1 —
Deposits - Savings - Due to Banks & Financial Institutions 17.0 11.4 11.4 6.9 —
Deposits - Other - Due to Banks & Financial Institutions — — — — —
Current Portion of Long-Term Debt including Capitalized Leases 830.9 659.4 307.8 503.9 174.9
Trading Liabilities 1.7 2.3 0.8 0.2 —
Capitalized Leases - Current Portion 0.7 0.5 — — —
Short-Term Debt & Notes Payable 76.5 114.7 42.4 40.7 36.6
Debt - Long-Term - Total 100.1 108.8 110.4 156.5 66.0
Short-Term Banking Borrowings excluding Collateralized Financing 76.5 114.7 42.4 40.7 36.6
Current Portion of Long-Term Debt excluding Capitalized Leases 830.2 658.9 307.8 503.9 174.9
Capitalized Lease Obligations - Long-Term 28.2 25.8 22.4 12.9 —
Long-Term Debt excluding Capitalized Leases 71.9 83.0 88.0 143.6 66.0
Debt - Non-Convertible - Long-Term 71.9 83.0 88.0 143.6 66.0
Dividends Payable 0.0 0.0 0.9 3.8 —
Deferred Tax & Investment Tax Credits - Long-Term 3.6 15.5 4.9 0.0 0.1
Deferred Tax - Liability - Long-Term 3.6 15.5 4.9 0.0 0.1
Payables & Accrued Expenses 69.2 69.1 58.2 37.2 —
Accrued Expenses 56.9 56.1 40.1 23.6 —
Other Liabilities - Total 138.2 86.3 59.6 41.8 83.7
Other Payables - Total 12.3 13.0 18.1 13.6 —
Other Liabilities - 126.2 79.4 54.6 38.4 83.7
Provisions 3.0 2.6 1.7 1.3 —
Post Employment Benefits - Pension & Other 2.7 2.3 1.6 1.3 —
Deferred Revenue/Income 9.0 4.3 3.3 2.2 —
Provisions - Other than Pension & Post Retirement 0.3 0.3 0.1 0.1 —
Total Liabilities 4,531.7 3,658.6 2,829.3 2,462.8 1,817.2
Shareholders' Equity - Attributable to Parent Shareholders - Total 285.7 251.7 188.5 117.9 89.2
Common Equity Attributable to Parent Shareholders 285.7 251.7 188.5 117.9 89.2
Common Equity - Contributed 23.1 22.0 21.2 20.7 18.7
Common Stock - Issued & Paid 18.0 17.9 17.9 17.9 16.3
Equity - Non-Contributed - Reserves & Retained Earnings 262.6 229.7 167.3 97.2 70.6
Retained Earnings - Total 248.1 207.5 156.3 97.8 66.4
Comprehensive Income - Accumulated - Total 14.4 22.1 10.9 (0.7) 4.1
Investments - Unrealized Gain/Loss 14.4 22.1 10.9 (0.7) 4.0
Other Reserves/Equity - Total 0.1 0.1 0.1 0.1 0.1
Common Equity - Total 285.7 251.7 188.5 117.9 89.2
Common Stock - Additional Paid in Capital including Option Reserve 5.1 4.1 3.3 2.8 2.4
Minority Interest - Equity 2.5 1.9 1.5 1.2 1.2
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 288.2 253.6 190.0 119.1 90.4
Total Liabilities & Equity 4,819.9 3,912.2 3,019.3 2,581.9 1,907.7
Revaluation Reserves — — 0.0 0.0 0.0
Common Shares - Issued - Total mn 1,800.6 1,794.7 1,791.3 1,789.6 1,789.6
Common Shares - Outstanding - Total mn 1,800.6 1,794.7 1,791.3 1,789.6 1,789.6
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 3,253.9 3,253.9 3,253.9 3,253.9 —
Common Shares - Issued - Issue Specific mn 1,800.6 1,794.7 1,791.3 1,789.6 1,789.6
Common Shares - Outstanding - Issue Specific mn 1,800.6 1,794.7 1,791.3 1,789.6 1,789.6
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 22.2 21.6 19.9 11.4 —
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 22.2 21.6 19.9 11.4 —
Right of Use Tangible Assets - Total - Gross - Supplemental 37.8 34.4 30.4 21.0 —
Right of Use Tangible Assets - Capital/Finance Lease - Gross - Supplemental 37.8 34.4 30.4 21.0 —
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 31.3 33.6 27.0 18.8 —
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Gross - Supplemental 64.0 59.4 46.7 35.2 —
Finance and Operating Lease Liabilities - Total - Supplemental 28.9 26.3 22.4 12.9 —
Debt including Finance and Operating Lease Liabilities - Supplemental 1,007.5 882.8 460.6 701.1 277.5
Net Debt 675.7 607.8 205.8 569.4 90.6
Islamic Financing Assets - Total 1,639.9 1,513.6 960.4 990.3 758.1
Islamic Investments - Total 2,187.8 1,836.5 1,560.1 1,251.8 —
Islamic Debt - Long-Term & Short-Term 17.8 21.7 21.0 74.7 21.0
Islamic Debt & Deposits - Total 17.8 21.7 21.0 74.7 21.0
Debt - Long-Term - Maturities - Total 884.3 720.2 374.8 572.8 —
Debt - Long-Term - Maturities - within 1 Year 830.2 658.9 307.8 503.9 —
Debt - Long-Term - Maturities - Year 2 9.3 2.1 1.3 0.5 —
Debt - Long-Term - Maturities - Year 3 2.1 9.3 2.3 1.9 —
Debt - Long-Term - Maturities - Year 5 9.2 7.0 8.1 9.1 —
Debt - Long-Term - Maturities - Year 10 — — — — —
Debt - Long-Term - Maturities - Remaining 33.5 43.0 55.3 57.4 —
Debt - Long-Term - Maturities - 2-3 Years 11.4 11.4 3.6 2.4 —
Debt - Long-Term - Maturities - 4-5 Years 9.2 7.0 8.1 9.1 —
Debt - Long-Term - Maturities - Year 6 & Beyond 33.5 43.0 55.3 57.4 —
Minority Interest - Total 2.5 1.9 1.5 1.2 1.2
Asset Accruals (56.2) (58.7) (48.0) (41.3) —
Cash & Cash Equivalents - Total 331.8 275.0 254.8 131.7 187.0
Cash & Securities 2,927.8 2,144.4 1,826.4 1,415.0 811.3
Cash & Short Term Investments - Total 331.8 275.0 254.8 131.7 187.0
Debt - including Preferred Equity & Minority Interest - Total 1,010.1 884.7 462.2 702.3 278.7
Earning Assets 4,595.5 3,693.2 2,822.2 2,445.1 1,807.8
Demand Deposits - Total 1,568.4 1,207.7 1,071.9 777.0 —
Invested Assets - Total 2,595.9 1,869.3 1,571.5 1,283.3 624.3
Right of Use Tangible Assets - Total - Accumulated Depreciation - Supplemental 15.7 12.8 10.5 9.6 —
Investment Securities 407.6 32.3 11.4 31.4 —
Investments - Permanent 12.9 10.1 6.9 4.2 —
Net Book Capital 963.9 861.4 395.8 688.5 181.0
Right of Use Tangible Assets - Capital/Finance Lease - Accumulated Depreciation - Supplemental 15.7 12.8 10.5 9.6 —
Net Operating Assets 963.9 861.4 395.8 688.5 181.0
Provisions - Total 6.6 18.1 6.6 1.3 0.1
Shareholders Equity - Common 285.7 251.7 188.5 117.9 89.2
Savings Deposits - Total 1,713.0 1,355.8 1,118.7 839.0 —
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Accumulated Depreciation - Supplemental 32.8 25.8 19.7 16.4 —
Tangible Total Equity 284.7 250.7 187.6 117.3 88.9
Tangible Book Value 282.2 248.8 186.1 116.1 87.7
Total Book Capital 1,293.2 1,134.5 649.1 819.0 366.8
Total Capital 1,295.7 1,136.5 650.6 820.2 368.0
Total Long Term Capital 288.2 253.6 190.0 119.1 90.4
Trading Account 1.7 2.4 0.9 0.3 —
Unearned Revenue - Total 9.0 4.3 3.3 2.2 —
Book Value excluding Other Equity 285.6 251.6 188.4 117.8 89.2
Income Taxes - Payable - Long-Term & Short-Term 9.1 17.8 26.9 20.1 —
Cash & Short Term Investments - Net of Debt (675.7) (607.8) (205.8) (569.4) (90.6)
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 830.9 659.4 307.8 503.9 174.9
Interest Bearing Liabilities - Total 4,309.9 3,467.4 2,678.0 2,359.6 1,733.4
Net Debt Including Preferred Equity & Minority Interest 678.2 609.7 207.4 570.6 91.8
Other Short-Term & Long-Term Assets - Total 117.0 129.4 128.6 90.0 64.2
Other Short-Term & Long-Term Liabilities - Total 126.2 79.4 54.6 38.4 83.7
Tangible Book Value excluding Other Equity 282.1 248.7 186.0 116.0 87.6
Total Debt Excluding Islamic 989.7 861.2 439.6 626.4 256.6
Reserves for Loan Losses - Total 45.3 41.6 30.4 22.6 —
Total Available Funds 3,590.5 2,838.2 2,407.4 1,777.6 1,546.3
Loans - Gross – Total 1,713.3 1,590.6 1,030.6 1,058.9 758.1
Deposits - Net 3,283.5 2,567.9 2,204.4 1,649.4 1,455.9
Loans - Net - Total 1,667.7 1,548.8 995.9 1,030.1 996.5
Tangible Book Value & Reserves for Loan Losses - Total 327.5 290.4 216.5 138.7 —
Cash in Hand & with Banks - Total 56.2 58.7 48.0 41.3 —

Every line the company reported, in the original order and wording, without regrouping or signs changed.