Capital & risk
Regulatory capital, liquidity and credit quality at December 31, 2025.
Source
Annual Report 2025
Capital adequacy ratio
19.20%
Reported
“CAR: Dec 31, 2025 19.20%; Dec 31, 2024 20.35%; minimum requirement 11.50%”
- Raw value
- 19.20%
- Normalized
- 19.2 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 41 (PDF page 23)
Capital adequacy ratio
Minimum requirement 11.50%
19.20%
−1.15 ptsvs 20.35% at Dec 31, 2024
Source
Annual Report 2025
Liquidity coverage ratio
314%
Reported
“Liquidity Coverage Ratio: 2025 314%; 2024 305%”
- Raw value
- 314%
- Normalized
- 314 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 267 (PDF page 238)
Liquidity coverage ratio
Liquid assets over outflows
314%
+9 ptsvs 305% in 2024
Source
Annual Report 2025
Net stable funding ratio
197%
Reported
“Net Stable Funding Ratio: 2025 197%; 2024 177%”
- Raw value
- 197%
- Normalized
- 197 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 267 (PDF page 238)
Net stable funding ratio
Stable over required funding
197%
+20 ptsvs 177% in 2024
Source
Annual Report 2025
Leverage ratio
5.21%
Reported
“Leverage Ratio: 2025 5.21%; 2024 5.47%”
- Raw value
- 5.21%
- Normalized
- 5.21 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 267 (PDF page 238)
Leverage ratio
Tier 1 capital over exposure
5.21%
−0.26 ptsvs 5.47% in 2024
Against the minimums
Capital ratios the State Bank of Pakistan requires
Source
Annual Report 2025
CET 1 ratio
16.45%
Reported
“Common Equity Tier I: Dec 31, 2025 16.45%; Dec 31, 2024 16.36%; minimum requirement 7.50%”
- Raw value
- 16.45%
- Normalized
- 16.45 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 41 (PDF page 23)
Source
Annual Report 2025
Tier 1 ratio
16.89%
Reported
“Tier I: Dec 31, 2025 16.89%; Dec 31, 2024 16.88%; minimum requirement 9.00%”
- Raw value
- 16.89%
- Normalized
- 16.89 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 41 (PDF page 23)
Source
Annual Report 2025
Capital adequacy ratio
19.20%
Reported
“CAR: Dec 31, 2025 19.20%; Dec 31, 2024 20.35%; minimum requirement 11.50%”
- Raw value
- 19.20%
- Normalized
- 19.2 percent
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 41 (PDF page 23)
Six-year ratios
19.20%
Capital adequacy ratio, 2025
December 2025: 19.20%
Source
Annual Report 2025
Capital adequacy and return on equity, 2020 to 2025
“Ratios and non-financial figures, 2020 to 2025”
- 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)
Risk-weighted assets
Rs 1.59T at December 31, 2025
Source
Annual Report 2025
Risk-weighted assets
“Risk weighted assets: credit 984,506,336; market 74,813,511; operational 528,664,481; total 1,587,984,328”
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 267 (PDF page 238)
- Credit riskRs 984.51B62.0%
- Operational riskRs 528.66B33.3%
- Market riskRs 74.81B4.7%
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)
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
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)
Capital, leverage and liquidity
2025 against 2024
Source
Annual Report 2025
Capital adequacy note
“Eligible capital, risk weighted assets, leverage and liquidity, December 31, 2025 and 2024”
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 267 (PDF page 238)
| Rupees in '000 | 2025 | 2024 | Change |
|---|---|---|---|
| Eligible Tier 1 capital | 268,159,000 | 228,804,077 | +17.2% |
| Eligible Tier 2 capital | 36,676,439 | 47,135,239 | −22.2% |
| Total eligible capital | 304,835,439 | 275,939,316 | +10.5% |
| Credit risk-weighted assets | 984,506,336 | 880,323,774 | +11.8% |
| Market risk-weighted assets | 74,813,511 | 36,391,197 | +105.6% |
| Operational risk-weighted assets | 528,664,481 | 439,129,711 | +20.4% |
| Total risk-weighted assets | 1,587,984,328 | 1,355,844,682 | +17.1% |
| Total exposures for leverage | 5,151,309,338 | 4,186,333,675 | +23.1% |
| High quality liquid assets | 2,007,784,674 | 1,320,749,145 | +52.0% |
| Net cash outflow | 639,582,984 | 433,217,397 | +47.6% |
| Available stable funding | 3,170,842,648 | 2,572,046,020 | +23.3% |
| Required stable funding | 1,613,365,501 | 1,453,475,186 | +11.0% |
Credit ratings
VIS Credit Rating Company
Source
Annual Report 2025
Long-term entity rating
AAA
Reported
“VIS has reaffirmed the Bank's medium to long-term entity rating as AAA (Triple A) ... with stable outlook.”
- Raw value
- AAA
- Normalized
- Triple A from VIS Credit Rating Company
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 18 (PDF page 6)
Source
Annual Report 2025
Short-term entity rating
A1+
Reported
“... and its short-term rating as A1+ (A One Plus) with stable outlook.”
- Raw value
- A1+
- Normalized
- A One Plus from VIS Credit Rating Company
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 18 (PDF page 6)
Source
Annual Report 2025
Rating outlook
Stable
Reported
“The outlook on the assigned ratings remains 'Stable'.”
- Raw value
- Stable
- Normalized
- Stable
- Issuer
- Meezan Bank Limited, filed on PSX (document 272066)
- Dated
- March 2026, audited figures for the year ended December 31, 2025
- Page
- 41 (PDF page 23)
Source
Annual Report 2025
Additional Tier I sukuk
AA+
Reported
“VIS Credit Company Limited has rated the Bank's Tier I Sukuk at AA+ (Double A Plus)”
- Raw value
- AA+
- Normalized
- Double A Plus
- 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
Tier II sukuk
AAA
Reported
“and Tier II Sukuk at AAA (Triple A).”
- Raw value
- AAA
- Normalized
- Triple A
- 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)
The filings state minimums for CET 1, Tier 1 and total capital only. Liquidity and leverage ratios are shown against the prior year.