Financing
Where the bank lends, through which Islamic modes, and how much of it is non-performing.
Source
Annual Report 2025
Gross Islamic financing
Rs 1.69T
Reported
“Gross Islamic financing and related assets: 2025 1,686,266,807; 2024 1,556,362,318”
- Raw value
- 1,686,266,807 (Rupees in '000)
- Normalized
- Rs 1,686,266,807,000
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 223 (PDF page 194)
Gross Islamic financing
Before allowance, Dec 31, 2025
Rs 1.69T
+8.3%vs Rs 1.56T at Dec 31, 2024
Source
Financial results for the half year ended June 30, 2026
Islamic financing, net
Rs 1.59T
Reported
“Islamic financing and related assets: June 30, 2026 1,592,269,620; December 31, 2025 1,640,934,798”
- Raw value
- 1,592,269,620 (Rupees in '000)
- Normalized
- Rs 1,592,269,620,000
- Issuer
- Meezan Bank Limited, Form-7 to PSX (document 280823)
- Dated
- August 6, 2026, unaudited
- Page
- 3
Islamic financing, net
Net of allowance, June 30, 2026
Rs 1.59T
−3.0%vs Rs 1.64T at Dec 31, 2025
Source
Annual Report 2025
Non-performing financing
Rs 31.02B
Reported
“Non-performing Islamic financing and related assets: 2025 31,018,123; 2024 25,243,173”
- Raw value
- 31,018,123 (Rupees in '000)
- Normalized
- Rs 31,018,123,000
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 273 (PDF page 244)
Non-performing financing
Dec 31, 2025
Rs 31.02B
+22.9%vs Rs 25.24B at Dec 31, 2024
Source
Annual Report 2025
NPL coverage
146%
Reported
“provisions of Rs 45 billion against a non-performing financing portfolio of Rs 31 billion, resulting in a coverage ratio of 146%”
- Raw value
- 146%
- Normalized
- 146 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 85 (PDF page 64)
NPL coverage
Provisions against bad financing
146%
By Islamic mode
Gross financing, December 31, 2025
Source
Annual Report 2025
Financing by mode
“Gross Islamic financing and related assets by mode, pages 222–223. Total 2025 1,686,266,807; 2024 1,556,362,318”
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 222 (PDF page 193)
- Running MusharakahRs 552.49B32.8%
- Diminishing MusharakahIncluding housing and SBP refinance schemesRs 494.68B29.3%
- IstisnaRs 221.68B13.1%
- IjarahRs 113.34B6.7%
- Bai MuajjalRs 76.32B4.5%
- MusawammahRs 64.95B3.9%
- SalamIncluding financing against billsRs 45.26B2.7%
- MurabahaRs 33.36B2.0%
- TijarahRs 28.56B1.7%
- Other modesService Ijarah, staff financing, Musharakah, Wakalah, Qard and otherRs 55.63B3.3%
Mode mix against 2024
Gross Islamic financing and related assets
Source
Annual Report 2025
Financing by mode
“Gross Islamic financing and related assets by mode, pages 222–223. Total 2025 1,686,266,807; 2024 1,556,362,318”
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 222 (PDF page 193)
| Rupees in '000 | 2025 | Share | 2024 | Change |
|---|---|---|---|---|
| Running Musharakah | Rs 552.49B | 32.8% | Rs 713.35B | −22.6% |
| Diminishing Musharakah | Rs 494.68B | 29.3% | Rs 348.21B | +42.1% |
| Istisna | Rs 221.68B | 13.1% | Rs 172.87B | +28.2% |
| Ijarah | Rs 113.34B | 6.7% | Rs 69.53B | +63.0% |
| Bai Muajjal | Rs 76.32B | 4.5% | Rs 43.66B | +74.8% |
| Musawammah | Rs 64.95B | 3.9% | Rs 51.46B | +26.2% |
| Salam | Rs 45.26B | 2.7% | Rs 30.90B | +46.4% |
| Murabaha | Rs 33.36B | 2.0% | Rs 32.74B | +1.9% |
| Tijarah | Rs 28.56B | 1.7% | Rs 21.56B | +32.5% |
| Other modes | Rs 55.63B | 3.3% | Rs 72.07B | −22.8% |
| Total | Rs 1.69T | 100% | Rs 1.56T | +8.3% |
Source
Annual Report 2025
Infection ratio
1.8%
Reported
“With an infection ratio of 1.8%, one of the lowest in the industry”
- Raw value
- 1.8%
- Normalized
- 1.8 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 84 (PDF page 63)
Source
Annual Report 2025
Gross advances to deposits
51.06%
Reported
“Gross Financing / Advances to Deposit Ratio-ADR (%): 2025 51.06; 2024 60.21”
- Raw value
- 51.06%
- Normalized
- 51.06 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 80 (PDF page 59)
Source
Annual Report 2025
Share of banking financing
Above 11%
Reported
“the Bank held a market share of above 11% of the total gross financing in the banking sector.”
- Raw value
- Above 11%
- Normalized
- more than 11 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 85 (PDF page 64)
Source
Annual Report 2025
NPL coverage
146%
Reported
“provisions of Rs 45 billion against a non-performing financing portfolio of Rs 31 billion, resulting in a coverage ratio of 146%”
- Raw value
- 146%
- Normalized
- 146 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 85 (PDF page 64)
By industry sector
Gross financing and non-performing financing, all 24 sectors the bank reports
Source
Annual Report 2025
Financing by sector
“Gross Islamic financing and non-performing financing by industry sector, 2025 and 2024 (Rupees in '000)”
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 273 (PDF page 244)
| Sector | Relative size | Gross 2025 | Share | Gross 2024 | Change | Non-performing | NPL ratio |
|---|---|---|---|---|---|---|---|
| Textile | Rs 277.57B | 16.5% | Rs 335.17B | −17.2% | Rs 10.68B | 3.8% | |
| Oil and gas | Rs 255.63B | 15.2% | Rs 153.53B | +66.5% | Rs 3.39B | 1.3% | |
| Agriculture, food, poultry, dairy and fishing | Rs 212.82B | 12.6% | Rs 133.32B | +59.6% | Rs 2.59B | 1.2% | |
| Power (electricity) | Rs 207.00B | 12.3% | Rs 114.93B | +80.1% | Rs 691.95M | 0.3% | |
| Transport, storage and communication | Rs 121.85B | 7.2% | Rs 116.39B | +4.7% | Rs 119.93M | 0.1% | |
| Fertilizer | Rs 95.10B | 5.6% | Rs 82.11B | +15.8% | Rs 85.75M | 0.1% | |
| Individuals | Rs 74.26B | 4.4% | Rs 57.32B | +29.6% | Rs 1.38B | 1.9% | |
| Chemical and pharmaceuticals | Rs 72.64B | 4.3% | Rs 159.88B | −54.6% | Rs 16.91M | 0.0% | |
| Automobile and transportation equipment | Rs 59.54B | 3.5% | Rs 45.70B | +30.3% | Rs 238.74M | 0.4% | |
| Wholesale and retail trade | Rs 50.85B | 3.0% | Rs 40.42B | +25.8% | Rs 440.27M | 0.9% | |
| Sugar | Rs 45.85B | 2.7% | Rs 45.76B | +0.2% | – | 0.0% | |
| Paper, board and packaging | Rs 37.11B | 2.2% | Rs 42.93B | −13.6% | Rs 95.73M | 0.3% | |
| Construction | Rs 30.97B | 1.8% | Rs 20.60B | +50.4% | Rs 7.19B | 23.2% | |
| Cement | Rs 25.01B | 1.5% | Rs 45.03B | −44.4% | – | 0.0% | |
| Steel and allied industries | Rs 23.27B | 1.4% | Rs 26.47B | −12.1% | Rs 2.46B | 10.6% | |
| Services | Rs 20.01B | 1.2% | Rs 71.59B | −72.0% | Rs 24.50M | 0.1% | |
| Others | Rs 15.21B | 0.9% | Rs 15.02B | +1.3% | Rs 127.23M | 0.8% | |
| Plastic products | Rs 14.58B | 0.9% | Rs 9.24B | +57.8% | – | 0.0% | |
| Electronics and electrical appliances | Rs 13.51B | 0.8% | Rs 16.31B | −17.2% | Rs 1.33B | 9.9% | |
| Financial | Rs 13.25B | 0.8% | Rs 4.95B | +167.8% | – | 0.0% | |
| Mining and quarrying | Rs 11.85B | 0.7% | Rs 11.87B | −0.1% | – | 0.0% | |
| Footwear and leather garments | Rs 4.34B | 0.3% | Rs 4.13B | +5.1% | – | 0.0% | |
| Exports and imports | Rs 3.40B | 0.2% | Rs 3.38B | +0.3% | Rs 143.76M | 4.2% | |
| Takaful and insurance | Rs 641.42M | 0.0% | Rs 303.51M | +111.3% | – | 0.0% |
Income by financing mode
Rs 148.85B earned in 2025
Source
Annual Report 2025
Financing portfolio income
“Income by Islamic mode of financing: total 2025 148,851; 2024 186,397 (Rs in million)”
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 92 (PDF page 71)
- Running MusharakahRs 53.47B35.9%
- Diminishing MusharakahRs 46.46B31.2%
- IstisnaRs 13.69B9.2%
- IjarahRs 9.52B6.4%
- MusawamahRs 5.15B3.5%
- WakalahRs 4.70B3.2%
- SalamRs 3.33B2.2%
- MurabahaRs 2.76B1.9%
- TijarahRs 2.20B1.5%
- OthersRs 7.57B5.1%
Income against 2024
Rupees in million
Source
Annual Report 2025
Financing portfolio income
“Income by Islamic mode of financing: total 2025 148,851; 2024 186,397 (Rs in million)”
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 92 (PDF page 71)
| Rupees in million | 2025 | Share | 2024 | Change |
|---|---|---|---|---|
| Running Musharakah | Rs 53.47B | 35.9% | Rs 59.41B | −10.0% |
| Diminishing Musharakah | Rs 46.46B | 31.2% | Rs 51.01B | −8.9% |
| Istisna | Rs 13.69B | 9.2% | Rs 22.53B | −39.2% |
| Ijarah | Rs 9.52B | 6.4% | Rs 9.64B | −1.3% |
| Musawamah | Rs 5.15B | 3.5% | Rs 10.40B | −50.5% |
| Wakalah | Rs 4.70B | 3.2% | Rs 5.00B | −6.0% |
| Salam | Rs 3.33B | 2.2% | Rs 5.66B | −41.2% |
| Murabaha | Rs 2.76B | 1.9% | Rs 3.52B | −21.5% |
| Tijarah | Rs 2.20B | 1.5% | Rs 3.60B | −38.8% |
| Others | Rs 7.57B | 5.1% | Rs 15.63B | −51.6% |
| Total | Rs 148.85B | 100% | Rs 186.40B | −20.1% |