Easypaisa Digital Bank Smashes Records with Rs17 Billion Profit in 2025
Easypaisa Digital Bank just dropped its 2025 numbers and they look seriously impressive. The board signed off on the audited accounts showing a profit after tax of Rs17.04 billion for the year ended December 31. That’s a huge leap from Rs3.41 billion the year before. Earnings per share shot up to Rs28.47 compared with Rs5.77 in 2024. Sure, a one-off deferred tax gain of Rs10.79 billion helped push the headline figure higher, but the core business kept churning out steady profits too.
Revenue Up, Costs Under Control
Total revenue climbed 18.53% to Rs46.1 billion. Net markup income grew a respectable 7.12%, while non-markup income jumped 37.76%. Operating expenses only rose 7.12%, even though the bank kept pouring cash into tech and hiring good people. That discipline paid off: the cost-to-income ratio fell nicely to 73.12% from 80.91% last year.
Users Keep Pouring In, Balance Sheet Looks Rock Solid
Meanwhile, app side keeps growing fast, as over 59 million people have registered. Deposits from customers soared 67.6% to Rs127.7 billion, and almost all of it (97.82%) sits in cheap current or savings accounts. Loans outstanding reached Rs26.93 billion, but the loan-to-deposit ratio stays low at 19.9%, which means plenty of room to grow safely. Bad loans dropped to 4% with coverage sitting at a healthy 144.6%. Equity stands at Rs30.91 billion and the capital adequacy ratio is a comfortable 20.36% – well clear of what the regulator wants.
Additionally, CEO Jahanzeb Khan called 2025 a breakthrough year. The bank reached more people who never had proper banking before and pushed hard for less cash changing hands. CFO Amin Sukhiani credited tight cost control and smart new products for building something that can last.
