KARACHI, October 31, 2025: Easypaisa Digital Bank has posted impressive financial results for the nine months ending September 30, 2025, reporting a profit before tax of Rs5.65 billion, a substantial jump from Rs3.88 billion during the same period last year marking a 45.6% year-on-year growth.
The bank’s strong performance was fueled by robust deposit growth, an increase in fee-based revenues from digital payment services, and effective cost management, all of which strengthened its bottom line.
Net markup income grew by 8.46%, supported by expanding digital lending operations and a steady inflow of low-cost deposits. Meanwhile, non-markup income soared by 44.6%, driven by rising transaction volumes in the payments business particularly from online payments, bundled products, disbursement and collection commissions, and insurance offerings.
Operating expenses increased by a modest 5.9%, as the bank continued to invest in technology, talent, and customer acquisition to sustain long-term growth. Despite these investments, the cost-to-income ratio improved sharply to 69.9%, compared to 80.3% in the same period last year reflecting higher operational efficiency.
Customer deposits climbed to Rs109.6 billion, up 61.9% from September 2024, signaling growing customer confidence following the bank’s transition into a fully digital retail bank. Total advances reached Rs26.14 billion, with a loan-to-deposit ratio of 21.5%.
Easypaisa’s equity stood at Rs18.35 billion, while its Capital Adequacy Ratio (CAR) remained strong at 23.16%, comfortably above regulatory requirements.
Commenting on the results, Jahanzeb Khan, President and CEO of Easypaisa Digital Bank, said,
“We continue to build on our momentum through strong growth and the trust our customers have placed in us. I would like to thank our shareholders, customers, and the State Bank of Pakistan for supporting our mission to democratize digital financial services. With a solid foundation, Easypaisa is poised to become the digital bank of choice for every Pakistani.”
Amin Sukhiani, Chief Financial Officer, added that the 45% jump in profitability highlights the effectiveness of the bank’s strategy and the dedication of its management team.
“Our focus on core banking activities has paid off, delivering solid financial results. As we roll out new products next year and continue promoting financial literacy, we aim to further strengthen customer trust and expand our market footprint,” he said.
With over 55 million registered users, Easypaisa Pakistan’s first fully digital bank to begin commercial operations continues to align with the State Bank of Pakistan’s vision of promoting financial inclusion and driving sustainable economic growth.
The bank reaffirmed its commitment to introducing innovative financial solutions for both existing users and the millions who still remain unbanked or underbanked across the country.
