By Moaaz Manzoor
A major surge in digital banking has powered Easypaisa to a strong financial year. The company posted a profit before tax of PKR 5.65 billion for the first nine months of 2025 — up 45.6% from PKR 3.88 billion in the same period last year. According to financial results approved by its Board of Directors, the growth came from higher customer deposits, stronger fee-based income, and tighter cost controls. This impressive rise highlights Easypaisa profit growth and its expanding role as Pakistan’s leading digital retail bank.
Easypaisa’s Digital Expansion Boosts Income
Rising deposits and expanding digital loans gave the bank’s net markup income an 8.46% boost. Its non-markup income also climbed 44.62%, thanks to more transactions in online payments, bundle offers, commission-based services, and insurance products.
Cost Efficiency Strengthens Operations
At the same time, Easypaisa managed to keep its spending in check. Operating expenses went up by only 5.92%, even as the bank continued to invest in new technology and attract more customers. The cost-to-income ratio dropped to 69.91% from 80.31% a year earlier — a clear sign of stronger operational efficiency.
Deposits Show Growing Customer Confidence
Customer trust also grew significantly. By the end of September 2025, deposits reached PKR 109.6 billion — a 61.88% increase from the previous year — reflecting public confidence in Easypaisa’s transformation into a full-fledged digital retail bank. Total advances stood at PKR 26.14 billion, bringing the loan-to-deposit ratio to 21.54%. The bank’s equity reached PKR 18.35 billion, while its Capital Adequacy Ratio stood strong at 23.16%, well above the regulatory minimum.
Leadership Commends Digital Banking Momentum
Jahanzeb Khan, President and CEO of Easypaisa, said the bank’s strong results were built on trust and continued growth in digital services. “We are building momentum with the support of our customers and shareholders,” he said. “With a solid foundation, Easypaisa is ready to become the digital bank of choice for all Pakistanis.”
Chief Financial Officer Amin Sukhiani added that the 45% profit growth reflects the success of the bank’s strategy. “Our focus on core banking and digital expansion has delivered strong results. With new products coming next year and our efforts to promote financial literacy, we’re strengthening customer trust and Easypaisa’s position in the market,” he stated.
Expanding Access to Financial Inclusion
With over 55 million registered users, Easypaisa remains Pakistan’s first and largest digital bank to begin full commercial operations. The company continues to support the State Bank of Pakistan’s goal of increasing financial inclusion and expanding access to formal financial services. Looking ahead, Easypaisa plans to broaden its product range to serve unbanked and underbanked communities across the country.
Author Profile
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Moaaz Manzoor is a business correspondent who meticulously tracks Pakistan’s crucial but neglected natural resource industries.
He specializes in exposing inefficiencies and charting the course of modernization, highlighting how efforts to mechanize mining have dramatically cut marble and granite wastage, driving a recovery and attracting vital investment.
