Financial Ratios Meezan Bank Limited

Equities

MEBL

PK0077401013

Banks

End-of-day quote Pakistan S.E. Other stock markets 2026-02-09			5-day change	1st Jan Change
489.15 ^PKR	-2.33%		+0.10%	+10.07%

Dec. 30	Meezan Bank Limited Announces Executive Changes, Effective December 30, 2025	CI
Dec. 30	Meezan Bank Limited Announces Chief Executive Officer Changes	CI

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Published financial data: MEEZAN BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	107B	110B	232B	432B	494B
Interest Income On Investments	242M	542M	629M	635M	627M
Interest Income, Total	107B	111B	233B	432B	495B
Interest On Deposits	41.76B	41.17B	110B	205B	207B
Interest Expense, Total	41.76B	41.17B	110B	205B	207B
Net Interest Income	65.07B	69.45B	122B	227B	288B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	155M	149M	216M	452M	371M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	753M	536M	-100M	-698M	3.33B
Total Other Non Interest Income	9.37B	14.02B	18.37B	22.74B	26.71B
Non Interest Income, Total	10.27B	14.71B	18.49B	22.49B	30.4B
Revenues Before Provison For Loan Losses	75.35B	84.16B	141B	250B	318B
Provision For Loan Losses	8.21B	993M	4.18B	7.04B	8.92B
Total Revenues	67.13B	83.16B	137B	243B	309B
Salaries And Other Employee Benefits	896M	829M	1.63B	3.25B	4.17B
Selling General & Admin Expenses, Total	1.72B	2.36B	2.91B	4.34B	5.08B
(Income) Loss on Equity Invest.	-369M	-52.01M	87.37M	-1.67B	-3.46B
Total Other Non Interest Expense	27.64B	32.74B	44.32B	65.14B	77.6B
Non Interest Expense, Total	29.89B	35.88B	48.95B	71.06B	83.39B
EBT, Excl. Unusual Items	37.24B	47.29B	87.81B	172B	226B
Asset Writedown	-	-	-	-300M	-300M
Other Unusual Items	545M	691M	995M	848M	820M
EBT, Incl. Unusual Items	37.79B	47.98B	88.81B	172B	226B
Income Tax Expense	15.12B	19.47B	43.66B	86.04B	123B
Earnings From Continuing Operations	22.67B	28.51B	45.14B	86.02B	104B
Net Income to Company	22.67B	28.51B	45.14B	86.02B	104B
Minority Interest	-278M	-280M	-205M	-593M	-1.03B
Net Income - (IS)	22.4B	28.23B	44.94B	85.43B	103B
Net Income to Common Incl Extra Items	22.4B	28.23B	44.94B	85.43B	103B
Net Income to Common Excl. Extra Items	22.4B	28.23B	44.94B	85.43B	103B
Per Share Items
Net EPS - Basic	12.51	15.77	25.11	47.72	57.28
Basic EPS - Continuing Operations	12.51	15.77	25.11	47.72	57.28
Basic Weighted Average Shares Outstanding	1.79B	1.79B	1.79B	1.79B	1.79B
Net EPS - Diluted	12.51	15.77	25.1	47.66	56.96
Diluted EPS - Continuing Operations	12.51	15.77	25.1	47.66	56.96
Diluted Weighted Average Shares Outstanding	1.79B	1.79B	1.79B	1.79B	1.8B
Normalized Basic EPS	12.85	16.36	30.55	59.54	78.13
Normalized Diluted EPS	12.85	16.36	30.54	59.48	77.69
Dividend Per Share	4.74	5.09	8.18	20	28
Payout Ratio	36.73	33.71	17.6	34.9	51.44
Supplemental Items
Effective Tax Rate - (Ratio)	40	40.58	49.17	50.01	54.16
Current Domestic Taxes	16.23B	18.83B	45.45B	85.76B	125B
Total Current Taxes	16.23B	18.83B	45.45B	85.76B	125B
Deferred Domestic Taxes	-1.12B	643M	-1.41B	-1.67B	-2.87B
Total Deferred Taxes	-1.12B	643M	-1.41B	-1.67B	-2.87B
Normalized Net Income	23B	29.27B	54.68B	107B	140B
Non-Cash Pension Expense	15.86M	33.78M	70.79M	46.74M	62.94M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	133M	294M	410M	591M
Stock-Based Comp., Other (Total)	-	-	-	-	1K
Total Stock-Based Compensation	-	133M	294M	410M	591M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	95.21B	106B	55.27B	133B	111B
Investment Securities, Total	439B	624B	1,287B	1,578B	1,873B
Trading Asset Securities, Total	-	977M	2.49M	-	5.78B
Total investments	439B	625B	1,287B	1,578B	1,879B
Gross Loans	908B	1,050B	1,084B	1,056B	1,613B
Allowance For Loan Losses	-19.1B	-19.25B	-22.63B	-30.37B	-41.62B
Other Adjustments to Gross Loans	-33.82B	-34.66B	-31.21B	-29.07B	-21.5B
Net Loans	855B	996B	1,030B	997B	1,550B
Gross Property Plant And Equipment	39.84B	54.74B	66.61B	89.44B	107B
Accumulated Depreciation	-15.95B	-20.56B	-25.98B	-30.27B	-38.51B
Net Property Plant And Equipment	23.88B	34.19B	40.62B	59.16B	68.85B
Other Intangibles, Total	757M	1.25B	1.45B	1.75B	2.29B
Accrued Interest Receivable	41.03B	49.01B	69B	105B	87.11B
Other Receivables	25.13M	4.09M	62.89M	3.44B	1.77B
Restricted Cash	60.52B	80.57B	76.18B	121B	164B
Other Current Assets, Total	10.26B	12.4B	14.05B	17.66B	40.08B
Deferred Tax Assets Long-Term (Collected)	174M	-	4.44B	-	-
Other Real Estate Owned And Foreclosed	146M	154M	55M	50.24M	521M
Deferred Charges Long-Term	-	847M	826M	763M	665M
Other Long-Term Assets, Total	1.17B	1.05B	2.14B	2.24B	6.5B
Total Assets	1,527B	1,908B	2,582B	3,019B	3,911B
Liabilities
Accrued Expenses, Total	12.46B	16.11B	23.15B	40.05B	55.41B
Interest Bearing Deposits	760B	800B	881B	1,145B	1,377B
Non-Interest Bearing Deposits	494B	656B	777B	1,072B	1,208B
Total Deposits	1,254B	1,456B	1,658B	2,217B	2,585B
Short-Term Borrowings	70.41B	103B	110B	126B	160B
Current Portion of Long-Term Debt	5.73B	72.78B	395B	185B	501B
Current Portion of Leases	-	-	-	-	483M
Long-Term Debt	36.53B	66.05B	89.87B	87.97B	82.32B
Long-Term Leases	6.69B	13.26B	12.92B	22.41B	25.8B
Current Income Taxes Payable	9.86B	13.65B	20.15B	26.88B	17.8B
Accrued Interest Payable	4.02B	4.69B	13.63B	18.06B	12.98B
Deferred Tax Liability Current	-	18.05M	-	-	3.88B
Other Current Liabilities - (Bank / Utility Template)	35.24B	47.36B	56.9B	56.08B	142B
Unearned Revenue Non Current	871M	1.47B	55.8B	3.29B	4.96B
Pension & Other Post Retirement Benefits	710M	982M	1.26B	1.65B	2.28B
Deferred Tax Liability Non-Current	-	54.14M	-	4.88B	11.65B
Other Non Current Liabilities	16.41B	22.34B	25.95B	39.25B	51.46B
Total Liabilities	1,453B	1,817B	2,463B	2,829B	3,657B
Common Stock, Total	14.15B	16.27B	17.9B	17.91B	17.95B
Additional Paid In Capital	2.41B	2.41B	2.41B	2.63B	3.1B
Retained Earnings	46.73B	63.25B	94.75B	153B	204B
Comprehensive Income and Other	8.68B	7.31B	2.88B	14.69B	26.2B
Total Common Equity	71.97B	89.25B	118B	188B	252B
Minority Interest	1.26B	1.2B	1.2B	1.55B	1.91B
Total Equity	73.23B	90.44B	119B	190B	254B
Total Liabilities And Equity	1,527B	1,908B	2,582B	3,019B	3,911B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.79B	1.79B	1.79B	1.79B	1.79B
ECS Total Common Shares Outstanding	1.79B	1.79B	1.79B	1.79B	1.79B
Book Value / Share	40.21	49.87	65.9	105.22	140.25
Tangible Book Value	71.21B	88B	116B	187B	249B
Tangible Book Value Per Share	39.79	49.17	65.09	104.24	138.98
Total Debt	119B	255B	607B	422B	770B
Deposits at Interest - Cash	12.53B	656M	4.9B	550M	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	304M	538M	669M	887M	1.34B
Net Debt	24.14B	147B	552B	288B	654B
Equity Method Investments, Total	5.47B	4.85B	4.17B	6.86B	10.08B
Full Time Employees	10.16K	11.71K	12.76K	14.22K	14.81K
Number Of Offices	815	902	962	1K	1.05K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	22.4B	28.23B	44.94B	85.43B	103B
Depreciation, Depletion & Amortization	4.69B	4.93B	6.3B	7.24B	8.75B
Total Depreciation, Depletion & Amortization	4.69B	4.93B	6.3B	7.24B	8.75B
Amortization of Deferred Charges, Total	234M	369M	470M	561M	715M
(Gain) Loss On Sale of Asset - (CF)	-155M	-149M	-216M	-452M	-371M
(Gain) Loss on Sale of Investments - (CF)	-114M	215M	807M	-572M	-4.35M
Total Asset Writedown	-	-	126M	300M	300M
Provision for Credit Losses	8.33B	735M	3.24B	7.56B	8.83B
(Income) Loss On Equity Investments - (CF)	-369M	-52.01M	87.37M	-1.67B	-3.46B
Stock-Based Compensation (CF)	-	133M	294M	410M	591M
Change in Other Net Operating Assets (Collected)	-87B	-5.82B	374B	-228B	-125B
Other Operating Activities	3.88B	5.21B	6.46B	7.44B	2.39B
Cash from Operations	-48.1B	33.8B	436B	-121B	-4.45B
Capital Expenditure	-3.71B	-6.22B	-11B	-15.06B	-14.19B
Sale of Property, Plant, and Equipment	229M	254M	375M	676M	602M
Cash Acquisitions	-	-	-	-	-
Purchase / Sale of Intangible Assets	-525M	-783M	-838M	-1.06B	-1.3B
Investment in Marketable and Equity Securities, Total	-215B	-188B	-672B	-266B	-270B
Other Investing Activities, Total	233M	547M	633M	636M	627M
Cash from Investing	-218B	-194B	-682B	-281B	-284B
Long-Term Debt Issued, Total	4B	9.99B	-	-	-
Total Debt Issued	4B	9.99B	-	-	-
Long-Term Debt Repaid, Total	-2.89B	-10.34B	-3.78B	-3.87B	-4.47B
Total Debt Repaid	-2.89B	-10.34B	-3.78B	-3.87B	-4.47B
Issuance of Common Stock	-	-	-	99.7M	259M
Common Dividends Paid	-8.23B	-9.52B	-7.91B	-29.82B	-52.82B
Common & Preferred Stock Dividends Paid	-8.23B	-9.52B	-7.91B	-29.82B	-52.82B
Net Increase (Decrease) in Deposit Accounts - (CF)	322B	201B	203B	559B	367B
Other Financing Activities, Total	-175M	-350M	-192M	-245M	-661M
Cash from Financing	315B	191B	191B	525B	309B
Miscellaneous Cash Flow Adjustments	-	-	-	-	12.33M
Net Change in Cash	48.11B	31.24B	-55.51B	123B	20.73B
Supplemental Items
Cash Income Tax Paid (Refund)	12.42B	14.99B	38.39B	80.87B	135B
Net Debt Issued / Repaid	1.11B	-346M	-3.78B	-3.87B	-4.47B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.71	1.66	2.01	3.07	2.99
Return On Equity %	33.34	34.83	43.08	55.65	46.76
Return on Common Equity	33.53	35.02	43.38	55.76	46.66
Shareholders Value Added	14.38B	18.55B	32.51B	67.05B	76.28B
Margin Analysis
SG&A Margin	2.19	2.37	2.15	2.08	2.08
Net Interest Income / Total Revenues %	96.93	83.51	89.53	93.63	93.05
EBT Excl. Non-Recurring Items Margin %	55.48	56.86	64.21	70.71	73.03
Income From Continuing Operations Margin %	33.78	34.28	33.01	35.46	33.55
Net Income Margin %	33.36	33.94	32.86	35.22	33.22
Net Avail. For Common Margin %	33.36	33.94	32.86	35.22	33.22
Normalized Net Income Margin	34.26	35.2	39.98	43.95	45.31
Asset quality
Nonperforming Loans / Total Loans %	1.65	1.38	1.26	1.6	1.57
Nonperforming Loans / Total Assets %	0.98	0.76	0.53	0.56	0.65
Nonperforming Assets / Total Assets %	0.99	0.77	0.53	0.56	0.66
NPAs / Loans and OREO	1.66	1.39	1.26	1.61	1.6
NPAs / Equity	20.59	16.15	11.49	8.94	10.15
Allowance for Credit Losses / Net Charge-offs %	948.25	3.31K	28.64K	-36.05K	23.09K
Allowance for Credit Losses / Nonperforming Loans %	127.88	133.23	166.09	179.29	164.88
Allowance for Credit Losses / Total Loans %	2.1	1.83	2.09	2.88	2.58
Provision for Loan Losses / Net Charge-offs %	407.67	170.82	5.28K	-8.36K	4.95K
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.04	4.69	4.61	5.47	6.35
Total Average Equity / Total Average Assets %	5.13	4.77	4.67	5.52	6.4
Total Equity + Allowance for Loan Losses / Total Loans %	10.03	10.33	12.96	20.72	18.19
Gross Loans / Total Deposits %	72.35	72.15	65.38	47.63	62.4
Net Loans / Total Deposits %	68.13	68.45	62.13	44.95	59.96
Tier 1 Capital Ratio %	13.99	14.28	15.92	19.06	17.11
Total Capital Ratio %	18.14	18.06	18.64	22.5	20.57
Core Tier 1 Capital Ratio	12.64	13.18	15.01	18.42	16.59
Tier 2 Capital Ratio	4.15	3.77	2.72	3.44	3.46
Interbank Ratio	1.38K	350.41	58.5	173.99	47.59
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.9	2.17	1.8	1.84	2.09
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	39.01	6.73	76.32	85.49	26.66
Non Interest Income, 1 Yr. Growth %	4.89	43.16	25.71	21.64	35.17
Provision For Loan Losses, 1 Yr. Growth %	96.12	-87.91	320.68	68.57	26.73
Total Revenues, 1 Yr. Growth %	28.08	23.88	64.45	77.37	27.44
Earnings From Cont. Operations, 1 Yr. Growth %	43.7	25.72	58.35	90.56	20.57
Net Income, 1 Yr. Growth %	43.71	26.03	59.19	90.11	20.2
Normalized Net Income, 1 Yr. Growth %	40.23	27.28	86.78	94.98	31.39
Diluted EPS Before Extra, 1 Yr. Growth %	43.71	26.03	59.16	89.88	19.51
Dividend Per Share, 1 Yr. Growth %	34.45	7.34	60.68	144.5	40
Gross Loans, 1 Yr. Growth %	20.95	15.74	3.23	-2.6	52.72
Allowance For Loan Losses, 1 Yr. Growth %	49.44	0.8	17.58	34.17	37.05
Net Loans, 1 Yr. Growth %	19.11	16.6	3.41	-3.28	55.49
Non Performing Loans, 1 Yr. Growth %	66.01	-3.24	-5.68	24.29	49.02
Non Performing Assets, 1 Yr. Growth %	64.78	-3.16	-6.3	24.16	51.64
Total Assets, 1 Yr. Growth %	35.56	24.96	35.34	16.94	29.52
Total Deposits, 1 Yr Growth %	34.51	16.06	13.92	33.7	16.56
Tangible Book Value, 1 Yr. Growth %	16.78	23.58	32.36	60.3	33.58
Common Equity, 1 Yr. Growth %	16.81	24.01	32.14	59.81	33.56
Total Equity, 1 Yr. Growth %	16.65	23.5	31.73	59.5	33.48
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	51.32	21.8	37.18	80.84	53.27
Non Interest Income, 2 Yr. CAGR %	11.97	22.54	34.15	23.66	28.23
Provision For Loan Losses, 2 Yr. CAGR %	165.12	-51.3	-28.68	166.29	46.16
Total Revenues, 2 Yr. CAGR %	37.62	25.96	42.73	70.79	50.35
Earnings From Cont. Operations, 2 Yr. CAGR %	57.56	34.41	41.1	73.71	51.58
Net Income, 2 Yr. CAGR %	58.12	34.58	41.65	73.97	51.17
Normalized Net Income, 2 Yr. CAGR %	58.34	33.6	54.18	90.83	60.06
Diluted EPS Before Extra, 2 Yr. CAGR %	58.12	34.58	41.62	73.84	50.64
Dividend Per Share, 2 Yr. CAGR %	44.02	20.13	31.33	98.21	85.01
Gross Loans, 2 Yr. CAGR %	12.68	18.32	9.31	0.27	21.96
Allowance For Loan Losses, 2 Yr. CAGR %	40.02	22.74	8.87	25.6	35.6
Net Loans, 2 Yr. CAGR %	10.7	17.85	9.81	0.01	22.63
Non Performing Loans, 2 Yr. CAGR %	46.21	26.74	-4.47	8.27	36.1
Non Performing Assets, 2 Yr. CAGR %	44.22	26.32	-4.74	7.86	37.16
Total Assets, 2 Yr. CAGR %	27.32	30.15	30.05	25.81	23.07
Total Deposits, 2 Yr CAGR %	26.38	24.95	14.98	23.41	24.84
Tangible Book Value, 2 Yr. CAGR %	30.21	20.13	27.9	45.66	46.33
Common Equity, 2 Yr. CAGR %	30.02	20.35	28.01	45.32	46.1
Total Equity, 2 Yr. CAGR %	29.63	20.02	27.55	44.95	45.91
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	45.69	34.7	37.79	51.69	60.6
Non Interest Income, 3 Yr. CAGR %	6.94	21.53	23.59	29.84	27.38
Provision For Loan Losses, 3 Yr. CAGR %	85.64	-5.27	-0.08	-5	107.91
Total Revenues, 3 Yr. CAGR %	33.59	32.88	37.67	53.45	54.91
Earnings From Cont. Operations, 3 Yr. CAGR %	57.71	46.14	41.96	55.96	53.8
Net Income, 3 Yr. CAGR %	58.56	46.61	42.33	56.25	53.8
Normalized Net Income, 3 Yr. CAGR %	56.99	47.22	49.39	66.73	68.51
Diluted EPS Before Extra, 3 Yr. CAGR %	57.02	46.61	42.31	56.16	53.43
Dividend Per Share, 3 Yr. CAGR %	38.59	30.58	32.36	61.56	76.52
Gross Loans, 3 Yr. CAGR %	15.79	13.7	13.06	5.18	15.37
Allowance For Loan Losses, 3 Yr. CAGR %	29.24	25.49	20.99	16.72	29.31
Net Loans, 3 Yr. CAGR %	14.64	12.63	12.83	5.26	15.86
Non Performing Loans, 3 Yr. CAGR %	31.24	27.42	14.85	4.29	20.44
Non Performing Assets, 3 Yr. CAGR %	30.21	26.29	14.35	4.06	20.8
Total Assets, 3 Yr. CAGR %	24.39	26.53	31.86	25.53	27.03
Total Deposits, 3 Yr CAGR %	23.42	22.84	21.16	20.91	21.08
Tangible Book Value, 3 Yr. CAGR %	24.49	27.96	24.08	37.9	41.52
Common Equity, 3 Yr. CAGR %	24.38	27.98	24.16	37.84	41.29
Total Equity, 3 Yr. CAGR %	24	27.56	23.8	37.41	41.02
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	28.74	30.66	42.23	51.54	43.78
Non Interest Income, 5 Yr. CAGR %	15.79	18.4	17.09	22.37	25.42
Provision For Loan Losses, 5 Yr. CAGR %	80.72	52.53	26.62	43.23	16.34
Total Revenues, 5 Yr. CAGR %	23.99	27.51	37.17	46.91	42.61
Earnings From Cont. Operations, 5 Yr. CAGR %	34.94	33.98	50.84	56.6	45.73
Net Income, 5 Yr. CAGR %	35.75	35.49	51.56	56.99	45.8
Normalized Net Income, 5 Yr. CAGR %	34.02	36.95	55.86	63.32	53.57
Diluted EPS Before Extra, 5 Yr. CAGR %	34.18	33.92	50.67	56.94	45.59
Dividend Per Share, 5 Yr. CAGR %	21.63	23.36	35.64	54.3	51.33
Gross Loans, 5 Yr. CAGR %	22	18.13	13.15	8.12	16.54
Allowance For Loan Losses, 5 Yr. CAGR %	18.28	18.82	20.67	25.54	26.64
Net Loans, 5 Yr. CAGR %	22.59	17.73	12.69	7.4	16.65
Non Performing Loans, 5 Yr. CAGR %	16.15	16.11	15.58	19.38	22.92
Non Performing Assets, 5 Yr. CAGR %	15.44	15.41	14.91	18.57	22.98
Total Assets, 5 Yr. CAGR %	23.29	23.53	26.63	26.24	28.27
Total Deposits, 5 Yr CAGR %	21.6	20.88	19.98	23.07	22.61
Tangible Book Value, 5 Yr. CAGR %	20.29	21.58	25.84	34.77	32.54
Common Equity, 5 Yr. CAGR %	20.15	21.61	25.82	34.66	32.51
Total Equity, 5 Yr. CAGR %	19.8	21.07	25.41	34.25	32.21