Easypaisa Digital Bank’s Board of Directors approved the financial results for the nine months ending September 30, 2025.
According to the report, the bank earned a pre-tax profit of PKR 5.65 billion, showing a 45.60% increase compared to Rs. 3.88 billion in the same period last year.
The main drivers of this outstanding profit were a significant increase in deposits, fee income from digital payment services, and effective cost management.
The report stated that net mark-up income increased by 8.46%, reflecting continuous growth in digital loans and low-cost deposits.
Similarly, non-mark-up income saw a notable rise of 44.62%, largely driven by online transactions, bundled products, disbursement and collection commissions, and insurance product income.
Operating expenses increased slightly by 5.92%, while investments in technology, talent, and customer acquisition continued. The cost-to-income ratio improved to 69.91%, compared to 80.31% last year.
Furthermore, customer deposits reached Rs. 109.6 billion, marking a 61.88% increase compared to September 2024, while total loans stood at Rs. 26.14 billion, with a loan-to-deposit ratio of 21.54%.
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The bank’s total equity was recorded at Rs. 18.35 billion, and the Capital Adequacy Ratio (CAR) was 23.16%, well above the regulatory requirement.
