Easypaisa Digital Bank has reported a Profit After Tax (PAT) of PKR 17.04 billion for the financial year ending December 31, 2025, marking a significant rise from PKR 3.41 billion in 2024. The audited financial statements were approved by the bank’s Board of Directors, highlighting a strong year as Pakistan’s first fully digital retail bank.
Earnings Per Share (EPS) jumped to PKR 28.47, compared with PKR 5.77 last year. The surge in profitability was largely driven by net deferred tax recognition of PKR 10.79 billion, reflecting previously unutilized tax depreciation and losses, alongside robust deposit growth and higher fee-based income from digital payment services.
The bank’s total revenue rose 18.53% year-on-year to PKR 46.1 billion, supported by a 7.12% increase in net markup income and a 37.76% growth in non-markup income, reflecting strong performance in digital lending, payment transactions, and low-cost deposit mobilization.
Operating expenses grew moderately by 7.12%, driven by investments in technology, talent, and customer acquisition, while the cost-to-income ratio improved to 73.12% from 80.91%, indicating better operational efficiency.
Easypaisa’s digital ecosystem expanded to over 59 million registered users, with 20 million monthly active users (MAUs), up 24% from last year. Customer deposits surged to PKR 127.7 billion, a 68% increase, and the CASA ratio remained strong at 97.82%.
The bank’s advances reached PKR 26.93 billion, with a loan-to-deposit ratio of 19.9%, and non-performing loans improved to 4% with a coverage ratio of 144.6%. Equity stood at PKR 30.91 billion, while the Capital Adequacy Ratio (CAR) remained robust at 20.36%.
CEO Jahanzeb Khan stated, “2025 was a milestone year for easypaisa as Pakistan’s first digital bank. We are expanding into new products and underserved segments while maintaining sustainable growth, serving over 59 million users, and supporting Pakistan’s transition towards a cashless economy.”
CFO Amin Sukhiani added, “Despite a challenging macroeconomic environment, easypaisa maintained strong operational momentum and diversified revenue growth, reinforcing long-term sustainability while investing in technology and innovation.”
With its growing user base and leadership in digital banking, easypaisa remains committed to financial inclusion, aiming to serve both current users and the millions who are unbanked or underbanked in Pakistan.
