Overview of easypaisa Digital Bank Financial Results 2025
The Board of Directors of easypaisa digital bank has approved the audited financial statements for the year ending December 31, 2025. The results highlight a significant financial improvement and reinforce the bank’s position in Pakistan’s digital financial services sector. As the country’s first digital retail bank to commence commercial operations, easypaisa continues to expand its ecosystem and strengthen its market presence.
The strong results reflect the bank’s ability to combine digital innovation with sustainable growth. Increased customer activity, growth in deposits, and rising digital transactions contributed to the improved financial performance. These developments also align with the broader goal of expanding digital banking services across Pakistan.
Key highlights from the financial results
- Profit After Tax reached PKR 17.04 billion
- Significant growth compared to the previous year
- Strong position in Pakistan’s digital banking sector
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Profit Growth in easypaisa Digital Bank Financial Results 2025
One of the most notable outcomes in the easypaisa Digital Bank Financial Results 2025 is the large increase in profitability. The bank reported a Profit After Tax of PKR 17.04 billion compared to PKR 3.41 billion in the previous year. This improvement reflects both operational growth and financial adjustments made during the year.
Earnings Per Share also increased significantly, showing strong returns for shareholders. The increase in profit was partly supported by the recognition of deferred tax benefits related to previously unabsorbed tax depreciation and business losses. This financial adjustment contributed significantly to the final profit figures.
Profit performance comparison
| Financial Metric | 2025 | 2024 |
|---|---|---|
| Profit After Tax | PKR 17.04 Billion | PKR 3.41 Billion |
| Earnings Per Share | PKR 28.47 | PKR 5.77 |
Key profit drivers
- Recognition of PKR 10.79 billion deferred tax
- Sustainable profitability during the year
- Improved financial management
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Revenue Performance in easypaisa Digital Bank Financial Results 2025
Revenue growth also played an important role in the strong performance recorded in the easypaisa Digital Bank Financial Results 2025. The bank’s total revenue increased by 18.53 percent year-on-year, reaching PKR 46.1 billion. This increase reflects growing activity across multiple financial services offered through the digital platform.
The revenue expansion was supported by improvements in both markup and non-markup income. Net markup income increased moderately, while non-markup income grew significantly due to higher transaction volumes and the expansion of digital lending services.
Revenue growth indicators
| Revenue Category | Growth |
|---|---|
| Total Revenue | 18.53% YoY |
| Net Markup Income | 7.12% Increase |
| Non-Markup Income | 37.76% Increase |
Key revenue factors
- Growth in digital lending products
- Increased payment transaction activity
- Expansion of low-cost deposit base
Digital Banking Growth in easypaisa Digital Bank Financial Results 2025
The digital ecosystem of easypaisa continues to grow rapidly, contributing to the overall success of the bank. The platform now has more than 59 million registered users, reflecting widespread adoption of digital financial services across Pakistan. This expansion demonstrates the increasing demand for convenient and secure mobile banking solutions.
Monthly active users have also grown significantly, reaching around 20 million. This represents an increase of more than 24 percent compared to the previous year. The growth in active users indicates stronger engagement with the bank’s digital services and continued expansion of its customer base.
Digital growth highlights
- Registered user base surpassed 59 million
- Monthly active users reached 20 million
- Active users increased by more than 24 percent
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Deposits and Financial Portfolio in easypaisa Digital Bank Financial Results 2025
Customer deposits experienced significant growth during the year, reflecting rising trust in digital banking services. Deposits climbed to PKR 127.7 billion, representing an increase of more than 67 percent compared with the previous year. This growth was supported by the bank’s transition into a fully operational digital retail bank.
At the same time, the bank maintained a balanced lending strategy. Advances reached PKR 26.93 billion, while the loan-to-deposit ratio remained at a moderate level. These indicators show that the bank continues to manage lending growth while maintaining financial stability.
Financial portfolio overview
| Financial Indicator | Value |
|---|---|
| Customer Deposits | PKR 127.7 Billion |
| Advances | PKR 26.93 Billion |
| Loan-to-Deposit Ratio | 19.9% |
| CASA Ratio | 97.82% |
Key portfolio indicators
- Strong deposit growth across the platform
- Balanced loan expansion strategy
- High CASA ratio supporting low-cost funding
Capital Strength in easypaisa Digital Bank Financial Results 2025
The bank also maintained strong capital and risk management indicators during the year. Equity reached PKR 30.91 billion, providing a solid financial base for future expansion. Maintaining strong capital levels allows the bank to support new financial products and services while meeting regulatory requirements.
In addition, the Capital Adequacy Ratio remained strong at 20.36 percent, well above regulatory thresholds. Non-performing loans improved to 4 percent, supported by a healthy coverage ratio. These indicators reflect careful risk management and financial stability.
Capital and risk indicators
| Indicator | Value |
|---|---|
| Equity | PKR 30.91 Billion |
| Capital Adequacy Ratio | 20.36% |
| Non-performing Loans | 4% |
| Coverage Ratio | 144.6% |
Key financial stability points
- Strong capital adequacy levels
- Improved loan quality indicators
- Effective risk management practices
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FAQs
What profit did easypaisa digital bank report in 2025?
The bank reported a Profit After Tax of PKR 17.04 billion for the year ending December 31, 2025.
How many users does easypaisa have in 2025?
The platform has more than 59 million registered users and around 20 million monthly active users.
What caused the increase in easypaisa’s profit?
Profit growth was supported by higher revenues, deposit growth, and recognition of deferred tax benefits.
What is the capital adequacy ratio of easypaisa digital bank?
The bank maintained a Capital Adequacy Ratio of 20.36 percent, which is above regulatory requirements.
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