Easypaisa Digital Bank has announced a significant improvement in its financial performance for the nine months ended September 30, 2025, reporting a profit before tax of Rs5.65 billion. The result reflects a strong 45.60 percent increase compared to Rs3.88 billion in the corresponding period last year, marking one of the most notable profitability gains in Pakistan’s digital banking landscape. The Board of Directors approved the financial results, underscoring confidence in the bank’s strategic direction following its transition to a fully licensed digital retail bank.
The robust performance was primarily driven by substantial growth in deposits, expanding revenue streams from digital payments, and continued focus on cost optimization. Net markup income increased by 8.46 percent, supported by sustained momentum in digital lending and low-cost deposit mobilisation. Meanwhile, non-markup income saw a considerable rise of 44.62 percent, attributed to higher transaction volumes across easypaisa’s payments ecosystem, including revenues from online transactions, bundled financial services, disbursement and collection commissions, and insurance offerings.
Operating expenses increased by just 5.92 percent as the bank continued strategic investments in technology infrastructure, talent development, and customer acquisition to support its scale-up efforts. Despite the rise in expenses, operational efficiencies helped strengthen the bank’s financial position, bringing the cost-to-income ratio down to 69.91 percent from 80.31 percent a year earlier.
Customer deposits rose sharply to Rs109.6 billion, reflecting a remarkable 61.88 percent growth over September 2024, indicating rising trust from users and broader acceptance of digital-only banking channels. Total advances stood at Rs26.14 billion, translating into a loan-to-deposit ratio of 21.54 percent. The bank’s equity stood at Rs18.35 billion, and the Capital Adequacy Ratio remained strong at 23.16 percent, well above regulatory benchmarks, highlighting a solid risk management position and capacity to support future business expansion.
Commenting on the results, Jahanzeb Khan, President and CEO of Easypaisa Digital Bank, stated that the bank continues to deliver strong performance driven by customer trust and strategic execution. He highlighted the institution’s commitment to democratizing digital finance and acknowledged the support of shareholders, the State Bank of Pakistan, and policymakers in enabling the digital financial services ecosystem. According to Khan, easypaisa aims to leverage its scale and established brand to further reinforce its position as the preferred digital bank for users across Pakistan.
Amin Sukhiani, Chief Financial Officer, emphasized that the profitability growth underscores both the bank’s strategic direction and the strength of its management team. He added that easypaisa’s focus on its core banking proposition has generated strong results, with new product launches and continued financial literacy efforts expected to build further consumer trust and widen market reach in the coming year.
With more than 55 million registered users and the distinction of being the first digital bank to operationalize commercial banking activities in the country, easypaisa continues to align with the State Bank of Pakistan’s financial inclusion agenda. The institution reaffirmed its commitment to broadening access to digital financial tools and expanding product offerings for banked, unbanked, and underbanked segments across the nation.
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