Islamabad, March 10, 2026 — easypaisa digital bank reported a profit after tax of Rs 17.04 billion for the financial year ended December 31, 2025, as the Board of Directors approved the audited financial statements reflecting a strong first year of commercial operations as Pakistan’s first digital retail bank.
The year-on-year jump in profitability was supported by the recognition of a net deferred tax benefit of Rs 10.79 billion arising from previously unabsorbed tax depreciation and business losses, while PAT increased from Rs 3.41 billion in 2024. Earnings per share rose to Rs 28.47 from Rs 5.77, underscoring the bank’s improved financial position.
Consolidated revenue climbed by 18.53% to Rs 46.1 billion, driven by a 7.12% increase in net markup income and a 37.76% rise in non-markup income. The performance reflects momentum in digital lending, growth in low-cost deposits and higher transaction volumes across the payments business, reinforcing easypaisa digital bank’s role in Pakistan’s fintech landscape.
Customer engagement expanded significantly as the registered base surpassed 59 million and monthly active users reached 20 million, a rise of 24.22% from 16.1 million a year earlier. Customer deposits increased to Rs 127.7 billion, up 67.60% over 2024, supported by a strong CASA ratio of 97.82%, highlighting continued retail confidence following the bank’s digital transition.
On the asset side, advances stood at Rs 26.93 billion with a loan-to-deposit ratio of 19.9%. Non-performing loans improved to 4% with a healthy coverage ratio of 144.6%. Shareholders’ equity was recorded at Rs 30.91 billion while the Capital Adequacy Ratio remained robust at 20.36%, comfortably above regulatory requirements.
Operating expenses rose moderately by 7.12% as the bank continued investing in technology infrastructure, talent acquisition and customer growth initiatives, partly offset by actualisation of accrued compensation costs. Efficiency improved with the cost-to-income ratio narrowing to 73.12% from 80.91% the previous year.
Jahanzeb Khan, President & CEO, said, “2025 marked a defining milestone as we commenced operations as Pakistan’s first digital bank. We are expanding into new products and underserved segments while maintaining a sustainable growth model to empower customers and businesses across the country.” Amin Sukhiani, Chief Financial Officer, added that disciplined financial management and diversified revenue streams supported strong operational momentum despite a challenging macroeconomic environment.
The bank reiterated its commitment to the State Bank of Pakistan’s vision for inclusive growth and to broadening digital financial services for both existing users and the millions still unbanked or underbanked in Pakistan, leveraging the scale of the easypaisa digital bank ecosystem to drive a more cashless economy.
