ISLAMABAD: Easypaisa digital bank has announced strong financial results for the year ended December 31, 2025, reporting a significant increase in profitability as it strengthens its position in Pakistan’s digital banking sector.
According to the bank’s approved financial statements, Profit after Tax (PAT) surged to Rs17.04 billion, compared to Rs3.41 billion in 2024. Earnings per Share (EPS) also rose sharply to Rs28.47, up from Rs5.77 last year. The increase was largely driven by the recognition of net deferred tax worth Rs10.79 billion, linked to previously unabsorbed tax depreciation and business losses following sustained profitability.
The bank also recorded strong growth in its overall revenue, which increased 18.53 percent year-on-year to Rs46.1 billion. Net markup income rose 7.12 percent, while non-markup income jumped 37.76 percent, reflecting higher transaction volumes, growth in digital lending, and increased fee-based revenues from payment services.
Operating expenses increased by 7.12 percent, mainly due to continued investments in technology infrastructure, talent acquisition, and customer growth initiatives. However, improved cost management helped the bank reduce its cost-to-income ratio to 73.12 percent, compared with 80.91 percent in 2024.
The bank’s digital ecosystem continued expanding rapidly. Registered users surpassed 59 million, while monthly active users reached 20 million, marking a 24.22 percent increase from the previous year. Customer deposits climbed to Rs127.7 billion, reflecting a 67.6 percent growth, supported by rising customer confidence after easypaisa’s transition to a digital retail bank.
Advances stood at Rs26.93 billion, with a loan-to-deposit ratio of 19.9 percent. Non-performing loans improved to 4 percent, supported by a strong coverage ratio of 144.6 percent. Meanwhile, the bank’s equity reached Rs30.91 billion, while its Capital Adequacy Ratio (CAR) remained strong at 20.36 percent, well above regulatory requirements set by the State Bank of Pakistan.
Commenting on the results, Jahanzeb Khan, President and CEO of easypaisa digital bank, said that 2025 marked a major milestone as the institution began operations as Pakistan’s first digital retail bank. He noted that the bank continues to expand its products and services while maintaining leadership in digital payments and financial inclusion.
Chief Financial Officer Amin Sukhiani said the bank achieved strong operational momentum despite a challenging economic environment. He added that the institution remains focused on disciplined financial management, innovation, and sustainable long-term growth.
With more than 59 million registered users, easypaisa continues to align with the vision of the State Bank of Pakistan to promote financial inclusion and a cashless economy, particularly for millions of unbanked and underbanked citizens across the country.
