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Meezan Bank reported profit after tax (PAT) of Rs 46.164 billion for the six months ended June 30, 2025, down 10% from Rs 51.444 billion in H1 2024. The bank’s directors attributed the decline primarily to a lower policy-rate environment, implementation of the minimum deposit rate on Islamic banks, and a higher applicable tax regime. Its report does not quantify how much each factor contributed.
Why did Meezan Bank’s profit fall 10% in H1 2025?
The 10% decline compares PAT for the six months ended June 30, 2025, with the same period in 2024. Meezan Bank’s Directors’ Review identifies three primary reasons: a significantly lower policy-rate environment, implementation of the minimum deposit rate on Islamic banks, and an increase in the applicable tax regime. These are management’s stated explanations; the report does not assign a separate rupee impact to each one. Meezan Bank’s H1 2025 report presents the rounded PAT figures as Rs 46.2 billion and Rs 51.4 billion.
The reported numbers also show the movements accompanying the decline. They are not a quantified bridge proving how much each income-statement line caused PAT to change.
What changed in the income statement?
The detailed income-statement figures below are in Rs millions and compare H1 2025 with H1 2024. Percentages are the year-on-year changes reported in the bank’s statements.
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| Measure | H1 2025 | H1 2024 | Change |
|---|---|---|---|
| Profit/return earned | 209,526 | 249,885 | Down 16% |
| Profit on deposits and other dues expensed | 83,770 | 112,394 | Down 25% |
| Net spread | 125,756 | 137,491 | Down 9% |
| Fee, commission and other non-funded income | 16,393 | 11,681 | Up 40% |
| Operating and other expenses | 36,328 | 43,570 | Down 17% |
| Profit before credit-loss allowance and provisions | 105,821 | 105,602 | Nearly unchanged |
| Net credit-loss allowance and write-offs | Expense of 3,379 | Reversal/benefit of 672 | Moved from benefit to expense |
| Profit before tax | 102,442 | 106,274 | Down 4% |
| Taxation expense | 56,278 | 54,830 | Up 3% |
Profit/return earned on financing, investments and placements fell 16%, while the expense for profit on deposits and other dues fell 25%. The resulting net spread was Rs 125.756 billion, 9% lower than the Rs 137.491 billion reported a year earlier. Fee, commission and other non-funded income rose 40% to Rs 16.393 billion, and operating and other expenses declined 17% to Rs 36.328 billion. With those movements, profit before credit-loss allowance and provisions was nearly flat.
Below that measure, the net credit-loss allowance and write-offs changed from a Rs 672 million benefit in H1 2024 to a Rs 3.379 billion expense in H1 2025. Profit before tax consequently stood at Rs 102.442 billion, down 4%, while taxation expense rose 3% to Rs 56.278 billion. PAT was Rs 46.164 billion.
How did earnings per share change?
Reported earnings per share (EPS) was Rs 25.72 in H1 2025, compared with Rs 28.72 in H1 2024. PAT is the bank’s total profit after tax; EPS expresses earnings on a per-share basis. They are related measures, but not interchangeable.
What else did the bank report for the half-year?
At June 30, 2025, Meezan Bank reported total assets of Rs 4.139 trillion, deposits of Rs 3.043 trillion, and equity of Rs 264.439 billion. It reported return on equity of 36.4%, return on assets of 2.3%, and a capital adequacy ratio above 20%. The board approved a Q2 2025 cash dividend of Rs 7 per share, bringing the half-year dividend to Rs 14 per share, including Rs 7 per share paid for Q1.
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What period does the 10% decline cover?
It covers H1 2025—the six months ended June 30, 2025—compared with H1 2024. It is a historical result, not the bank’s latest half-year result. In a later release dated August 7, 2026, Meezan Bank reported H1 2026 PAT of Rs 48.88 billion, up 6% year on year, and EPS of Rs 27.15 versus Rs 25.72 in H1 2025. The bank also reported net spread of Rs 128.79 billion for H1 2026 against Rs 125.76 billion for H1 2025. The bank’s official releases distinguish that later comparison from its H1 2025 results.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Where can readers verify the results?
Meezan Bank’s official financial-information archive and regulatory-announcements page list its half-year results. The bank’s filed notice says the board approved the half-year statements at a meeting on August 13, 2025. The figures here describe the bank’s reported historical results and management’s explanation; they do not assess the bank’s prospects, share valuation, or whether its shares suit a particular investor. See Meezan Bank’s financial information and announcements.
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