ISLAMABAD: The Board of Directors of Easypaisa Digital Bank has approved the audited financial statements for the year ended December 31, 2025, with the Bank delivering remarkable results, marking a successful year as the country’s first digital retail bank and further reinforcing its leadership position in Pakistan’s digital financial sector.
The Easypaisa Digital Bank’s Profit after Tax (PAT) surged to PKR 17.04 billion, compared to PKR 3.41 billion in the last year. Earnings per Share (EPS) for 2025 rose significantly to PKR 28.47, from PKR 5.77 in 2024. The substantial increase in PAT and EPS is primarily attributable to the recognition of net deferred tax of PKR 10.79 billion arising from previously unabsorbed tax depreciation and business losses, on the back of sustainable profitability. The Bank’s steady performance was primarily driven by significant deposit growth and higher fee-based revenues from payment services, while effective cost control further enhanced overall profitability, despite a lower SBP policy rate.
The bank’s financial performance demonstrated robust growth across key metrics. Revenue rose by 18.53 percent YoY to PKR 46.1 billion, driven by a 7.12 percent increase in net markup income and a 37.76 percent rise in non-markup income. This performance reflects the continued momentum in digital lending, growth in low-cost deposits, and higher transaction volumes in the payments business.
Operating expenses increased moderately by 7.12 percent, reflecting continued investments in technology infrastructure, talent acquisition, and customer growth initiatives, partly offset by an actualization of accrued compensation costs. Further, the cost-to-income ratio improved to 73.12 percent compared to 80.91 percent in the last year, demonstrating enhanced operational efficiency.
The Bank’s digital ecosystem continued to expand, and the registered base surpassed 59 million, with monthly active users (MAUs) reaching 20 million, representing a 24.22 percent increase from 16.1 million last year. Customer deposits reached PKR 127.7 billion, marking a 67.60 percent increase over 2024, driven by strong customer confidence following the easypaisa’s transition to a digital retail bank. The CASA ratio remained strong at 97.82 percent.
Advances of the bank stood at PKR 26.93 billion, with a loan-to-deposit ratio of 19.9 percent. Non-performing loans (NPLs) improved to 4 percent, with a healthy coverage ratio of 144.6 percent. The Bank’s equity was recorded at PKR 30.91 billion, while the Capital Adequacy Ratio (CAR) remained strong at 20.36 percent, well above required levels.
Copyright Business Recorder, 2026
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