Easypaisa Digital Bank has posted a pre-tax profit of Rs3.64 billion for the first half of 2025, marking a 39.4 percent increase compared to the same period last year, according to the company’s financial results approved by its Board of Directors for the period ending June 30, 2025.
The strong performance was driven mainly by growth in digital lending, higher markup income, and robust fee generation from payment services, despite the State Bank’s discount rate falling to 11 percent. Net markup income rose by 15.6 percent, while non-markup income surged 60.5 percent, supported by cash transactions, bundled products, corporate collections, and insurance offerings.
Operating expenses increased by 9.6 percent; however, the cost-to-income ratio improved significantly, dropping from 80.5 percent to 66.9 percent, largely due to lower compensation expenses.
Easypaisa also reported notable growth in its digital ecosystem, with monthly active users reaching 18.2 million. Customer deposits climbed 41.3 percent year-on-year to Rs94.7 billion. The bank maintained a CASA ratio of 98.1 percent, while deposit costs remained the lowest in the industry at 1.57 percent.
Total advances stood at Rs27.7 billion, reflecting a loan-to-deposit ratio of 25 percent. Non-performing loans accounted for 16.1 percent of the portfolio, with a coverage ratio of 91.4 percent. The bank’s equity rose to Rs16.8 billion, while its Capital Adequacy Ratio remained strong at 20.52 percent.
