Easypaisa Digital Bank has delivered another strong performance for the first half of 2025, announcing a before-tax profit of PKR 3.64 billion, a substantial 39.4% jump from the same period last year’s PKR 2.61 billion. The bank’s income streams—from both interest and fees—demonstrated resilient momentum even amid declining interest rates.
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Net markup income rose 15.6%, fueled by growth in digital lending. Meanwhile, non-markup income surged by an impressive 60.5%, propelled by increased transactions across deposit and withdrawal channels, load and bundle services, corporate disbursements and collections, as well as insurance offerings. Operating expenses were contained to a 9.6% increase, aided by efficiency gains and reversal of certain compensation accruals. The cost-to-income ratio improved dramatically, from 80.5% to a lean 66.9%, reinforcing the bank’s operational strength.
Ecosystem metrics also reflect deepening customer usage: monthly active users reached 18.2 million, customer deposits climbed 41.3% to PKR 94.7 billion, and the CASA ratio remained exceptionally high at 98.1%. Advances stood at PKR 27.7 billion, with a conservative loan-to-deposit ratio of 25.0%. NPLs, while slightly elevated at 16.1%, were backed by a robust coverage ratio of 91.4%. The bank’s equity stood at PKR 16.8 billion, and its Capital Adequacy Ratio comfortably at 20.52%.
Easypaisa’s leadership noted that this robust growth underscores the bank’s position as a pioneer in digital retail banking. Looking ahead, they emphasized plans to launch products spanning FX, Islamic finance, credit cards, remittances, and Buy‑Now‑Pay‑Later services while expanding merchant reach and building out their insurance marketplace to drive further value for customers.
