Easypaisa digital bank has reported a Profit Before Tax amounting to Rs. 3.64 billion for the year 2025.
The Directors of Easypaisa Digital Bank (EDB) approved the financial bank statements for the half year ended June 30, 2025.
The Easypaisa digital bank officially reported a profit before Tax value of income of PKR 3.64Billion, representing a 39.4% increase over PKR 2.61 billion in the same period last year.
This performance was driven by higher markup income and strong fee-based income from digital loans, meaning the EasyLoan product of easypaisa and payments, despite the State Bank of Pakistan (SBP) discount rate being reduced from 20% to 11% in line with easing inflation.
Net markup revenue increased 15.6%, supported by an increase in digital lending.. At the same time, non-markup revenue increased by 60.5%, driven by increased transaction volume, particularly cash deposits and withdrawals charges, as well as higher revenue from load and bundled products transactions commissions, commissions on corporate disbursements and collections, and insurance products.
The operating expenses increased 9.6%, reflecting continued investments in technology, talent, and customer acquisition costs to support future growth, and were partially offset by accrued compensation expenses. The cost-to-income ratio improved to 66.9% from 80.5% last year.
The bank’s digital ecosystem continued to strengthen, with monthly active users (MAUs) reaching 18.2 million. Customer deposits reached PKR 94.7 billion, reflecting a 41.3% rise compared to June 2024, fueled by robust customer confidence after Easypaisa's shift to a digital retail banking model.
CASA ratio remained outstanding at 98.1%, accompanied by the industry's lowest deposit cost of 1.57%.. Non-performing loans (NPLs) were reported at 16.1%, with a healthy coverage ratio of 91.4%. The bank’s equity was recorded at PKR 16.8 billion, while the Capital Adequacy Ratio (CAR) remained strong at 20.52%.
Our robust profitability in the first half of 2025 highlights our commitment to innovating the digital banking sector in Pakistan.. We are committed to ensuring and empowering access to easy and convenient digital financial services," said Jahanzeb Khan, President and CEO of Easypaisa Digital Bank.
With innovative products and services in the pipeline and much more, Easypaisa is all set to lead Pakistan’s digital banking space through its customer-centric approach. I express my gratitude to our partners, board members, industry stakeholders, and the State Bank of Pakistan for their support in this endeavor towards a cashless economy.
In his remarks regarding the results, Amin Sukhyani, Chief Financial Officer of Easypaisa Digital Bank, stated, "Easypaisa Digital Bank is strategically positioned to enhance its growth trajectory by broadening its range of products, which includes foreign exchange, Islamic products, credit cards, remittances, and Buy Now Pay Later offerings. Further advance the ecosystem and create value for our customers.”
With over 55 million registered customers and as the country's first digital bank to launch commercial operations, Easypaisa is aligned with the State Bank of Pakistan's vision of driving inclusive economic growth. We are committed to expanding our range of financial products and services not only to our existing customers, but also to the millions of people who are unbanked or underbanked.
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