easypaisa digital bank posted a profit before tax of Rs. 8.26 billion during the first half of 2026, marking a 2.27-fold increase from the same period last year.

The bank’s profit after tax reached Rs. 5.78 billion, while earnings per share stood at Rs. 9.61, according to its financial results approved by the Board of Directors.

For the six months ended June 30, easypaisa’s revenue grew 30.50 percent year-on-year, supported by higher lending and fee-based income.

Net markup income increased 32.46 percent, helped by growth in the bank’s lending portfolio and treasury investments. Fee-based income rose 28.34 percent, with payment services, collections, disbursements and insurance contributing to the increase.

The bank’s operating expenses rose to Rs. 21.08 billion, reflecting continued spending on customer acquisition, technology, merchant network expansion and digital lending.

Deposits Cross Rs. 158 Billion

easypaisa’s total assets reached Rs. 232.58 billion by June 30, 2026, while customer deposits climbed 67.37 percent year-on-year to Rs. 158.58 billion.

Gross advances stood at Rs. 31.11 billion, resulting in an advances-to-deposit ratio of 18.63 percent.

Asset quality remained stable, with loans overdue by more than 90 days accounting for 3.16 percent of the portfolio. The bank reported a coverage ratio of 159.63 percent.

Its Capital Adequacy Ratio (CAR) stood at 23.75 percent, above the regulatory requirement.

PACRA upgraded easypaisa’s long-term entity rating to AA- on July 1, while retaining its short-term rating at A1.

The bank said it is expanding its product range to include Islamic banking, foreign exchange, buy-now-pay-later services and credit cards.

easypaisa currently has more than 60 million registered users and offers services covering payments, lending, remittances, insurance and other digital financial products.