Easypaisa Profit Jumps 45% in Nine Months on Strong Digital Growth
Easypaisa digital bank recorded strong financial growth in the first nine months of 2025. The company reported a profit before tax of Rs5.65 billion. This marks a 45% increase from Rs3.88 billion during the same period last year.
The rise came mainly from higher customer deposits and increased fee based income. In addition, digital payment services played a key role in this growth.
Growth Drivers
Net markup income grew by 8.46%, reflecting steady expansion in digital lending and low cost deposits. Meanwhile, non markup income surged by 44.62%. This boost resulted from greater transaction volumes, online payments, and commissions from collections and disbursements. Insurance product sales also contributed to this increase.
Operating expenses rose slightly by 5.92% due to investments in technology, skilled talent, and new customer acquisitions. However, the bank improved its cost to income ratio to 69.91%, down from 80.31% a year earlier.
Customer Confidence and Performance
Customer trust in Easypaisa’s fully digital retail model remained strong. Deposits jumped 61.88% to Rs109.6 billion, while total advances reached Rs26.14 billion. As a result, the loan-to-deposit ratio stood at a healthy 21.54%.
The bank’s equity was reported at Rs18.35 billion, and the Capital Adequacy Ratio stayed solid at 23.16%. These figures show Easypaisa’s sound financial footing and prudent management.
Leadership Insights
President and CEO Jahanzeb Khan expressed pride in the bank’s progress. He said the results highlight customer trust and Easypaisa’s growing scale as Pakistan’s leading digital bank.
CFO Amin Sukhiani added that the 45% growth reflects a clear strategy and a committed team. He emphasized the bank’s focus on launching new products and improving financial literacy. According to him, Easypaisa aims to serve both existing users and those still unbanked.
With more than 55 million registered users, Easypaisa continues to lead Pakistan’s digital banking sector. Therefore, its success aligns closely with the State Bank’s goal of promoting inclusive economic growth nationwide.
