Mobilink Bank, Pakistan’s leading digital microfinance institution, has reported robust financial and operational results for the year ended December 31, 2025, demonstrating strong growth across key metrics and reinforcing its leadership in the country’s microfinance sector. The bank recorded a remarkable Profit Before Tax of PKR 3.62 billion, reflecting a 217% year-on-year increase, while total revenue climbed 33% to PKR 89.5 billion, signaling a significant financial turnaround.
Customer deposits also saw substantial growth, rising 38% to PKR 214 billion, the highest among microfinance banks in Pakistan, illustrating solid public trust in the institution. The Gross Loan Portfolio similarly expanded by 38% to reach PKR 103 billion, highlighting strong demand for the bank’s credit products and continued commitment to financial inclusion. Maintaining a healthy Capital Adequacy Ratio of 19.53% at year-end, Mobilink Bank demonstrated prudent risk management and a strong capital position, underlining its resilience amid evolving economic conditions.
Sustainability initiatives formed a major component of the bank’s 2025 strategy, with green financing increasing by 55.5% year-on-year. These funds have supported individuals, households, and small businesses in adopting sustainable products and resources, reflecting Mobilink Bank’s focus on environmentally responsible growth. The institution also advanced gender-focused financial inclusion, with women representing 24.6% of the loan portfolio, facilitated through targeted lending programs and enhanced digital accessibility.
A strategic highlight for the year was the launch of Islamic Banking services, enabling Mobilink Bank to provide Shariah-compliant financial solutions. This move broadens the bank’s appeal to diverse social segments and reinforces its position as a responsible and forward-looking microfinance provider, aligning financial products with the needs and values of its customers.
Mobilink Bank emphasized that all credit decisions are guided by responsible lending principles, including affordability assessments, transparent pricing, fair collection practices, and strict compliance with State Bank of Pakistan regulations. Internal controls were strengthened to prevent customer over-indebtedness and support sustainable financial inclusion, while continued shareholder confidence has reinforced the bank’s capital position and enabled long-term expansion and digital transformation strategies.
Haaris Mahmood Chaudhary, President and CEO of Mobilink Bank, stated that the bank’s performance reflects a commitment to expanding access to finance for underserved populations. He noted that growth in profitability and portfolio size demonstrates the confidence of millions of customers relying on the bank to support their livelihoods, emphasizing the role of digital Islamic banking solutions in empowering small businesses and entrepreneurs across Pakistan.
Chief Financial Officer Adil Ali Abbasi highlighted the focus on financial discipline, improved asset quality, and efficient balance sheet management. He noted that the growth in deposits, profitability, and loan portfolio underlines the bank’s ability to scale responsibly while maintaining strong risk and capital positions. Looking ahead, the bank plans to continue investing in digital transformation and operational efficiency to support sustainable growth and strengthen its position as the leading microfinance and digital Islamic banking provider in Pakistan.
Mobilink Bank enters 2026 with a renewed commitment to becoming the number one bank for small businesses in the country, leveraging its innovative digital and Islamic banking solutions to expand financial inclusion and deliver responsible, sustainable growth.
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