Easypaisa Digital Bank Reports Rs 5.65B Profit Before Tax for Nine Months

Easypaisa Digital Bank has posted a profit before tax (PBT) of Rs 5.65 billion for the nine months ended September 30, 2025, reflecting strong growth in both digital transactions and fee-based income. The result demonstrates the bank’s continued momentum following its transformation into a fully licensed digital bank.

“This performance highlights the resilience of our business model and the growing adoption of digital banking across Pakistan,” said Jahanzeb Khan, President & CEO of Easypaisa Digital Bank. “Our focus on technology-driven services and customer convenience has delivered tangible results.”

Revenue Growth Driven by Digital Transactions

The bank reported a significant increase in non-markup income, largely driven by fees from digital payments, bill collections, and micro-financing services. Meanwhile, net markup income from lending operations also improved, contributing to the overall rise in profitability. Analysts note that Easypaisa’s ability to monetize its digital ecosystem  including mobile wallets and branchless banking services  remains a key differentiator in Pakistan’s competitive banking sector.

Deposits and Balance Sheet Strength

Easypaisa Digital Bank’s deposits surged to Rs 109.6 billion, up sharply from the previous year, underscoring growing customer confidence. On the lending side, advances stood at Rs 26.14 billion, maintaining a conservative loan-to-deposit ratio of approximately 21.5%. Total equity reached around Rs 18.35 billion, and the Capital Adequacy Ratio (CAR) was maintained at 23.16%, well above regulatory minimums.

Amin Sukhiani, CFO of Easypaisa Digital Bank, added, “Strong deposit growth, coupled with improved operational efficiency, has translated into a significant increase in profitability. We continue to prioritize prudent risk management as we expand our digital offerings.”

Operational Efficiency and Cost Management

The bank’s operating expenses grew modestly, reflecting careful management despite expanded digital operations and technology investments. This efficiency has enabled Easypaisa to improve its cost-to-income ratio, ensuring sustainable profitability even as it scales its digital services nationwide.

Strategic Outlook

Easypaisa Digital Bank’s performance signals the potential of digital banking in Pakistan. With a growing customer base and increasing adoption of mobile and online financial services, the bank is well-positioned to expand lending, introduce new products, and maintain fee-based revenue growth.

Industry experts highlight that the low loan-to-deposit ratio indicates room for growth in lending operations, while the robust deposit base provides financial stability to support future expansion.

“Easypaisa’s results set a benchmark for digital banking in Pakistan, demonstrating that technology-led strategies can drive both scale and profitability,” said a banking sector analyst.

With Rs 5.65 billion profit before tax for the nine months ended September 2025, Easypaisa Digital Bank has delivered strong financial performance in a highly competitive digital banking environment. The results reflect effective technology adoption, disciplined financial management, and growing customer trust, positioning the bank as a leading player in Pakistan’s emerging digital finance ecosystem.

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