Jahanzeb Khan, President & CEO, said: “Our strong results for H1 2025 reflect our commitment to transforming Pakistan’s digital banking landscape.
Easypaisa Digital Bank Posts PKR 3.64 Billion Profit Before Tax for H1 2025. Easypaisa Digital Bank has reported a profit before tax of PKR 3.64 billion for the first half of 2025, marking a 39.4% increase from PKR 2.61 billion in the same period last year. The Board of Directors approved the financial statements for the half-year ending June 30, 2025.
This strong performance was driven by growth in markup income and surging fee-based revenues from digital lending and payments. The gains came despite a significant drop in the SBP policy rate—from 20% to 11%—reflecting easing inflation.
Net markup income rose 15.6%, supported by continued growth in digital lending. Non-markup income jumped 60.5%, driven by higher transaction volumes in cash deposits and withdrawals, and income from product bundles, corporate commissions, and insurance sales.
Operating expenses increased by 9.6%, due to investments in technology, talent, and customer acquisition. However, the cost-to-income ratio improved to 66.9%, from 80.5% last year, helped by reversal of compensation accruals.
Easypaisa’s digital ecosystem continued to expand, with 18.2 million monthly active users. Customer deposits grew 41.3% year-on-year to PKR 94.7 billion, reflecting strong public confidence following the bank’s transition to a digital retail model. The CASA ratio stood at 98.1%, with a low deposit cost of 1.57%—among the best in the industry.
Total advances reached PKR 27.7 billion, with a loan-to-deposit ratio of 25%. Non-performing loans stood at 16.1%, covered 91.4% by provisions. The bank’s equity reached PKR 16.8 billion, while its Capital Adequacy Ratio (CAR) remained strong at 20.52%.
President & CEO
Jahanzeb Khan, President & CEO, said: “Our strong results for H1 2025 reflect our commitment to transforming Pakistan’s digital banking landscape. We aim to empower users with simple, accessible, and innovative financial solutions. Easypaisa is ready to lead the next wave of digital banking in Pakistan.”
Amin Sukhiani, CFO, added: “We are focused on expanding our offerings, including forex, Islamic banking, credit cards, remittances, and Buy Now Pay Later services. We’re also growing our merchant base under the government’s cashless initiative and scaling our insurance marketplace.”
With over 55 million registered users, Easypaisa remains Pakistan’s leading digital bank and is aligned with the State Bank of Pakistan’s vision for inclusive growth. The bank plans to continue expanding access to financial services for both banked and unbanked populations across the country.
