Easypaisa Digital Bank Profit Growth: A New Era of Digital Banking Success in Pakistan
Easypaisa Digital Bank has emerged as Pakistan’s fastest-growing fintech success story. In 2025, the bank achieved record-breaking profit growth — proving that digital banking is not only the future but also a profitable reality in Pakistan. With a massive user base and expanding financial services, Easypaisa’s consistent rise in profits marks a new chapter for the country’s banking industry.
Easypaisa Profit and Deposit Growth Table
| Period (2025) | Profit Before Tax (Rs Billion) | Growth YoY | Customer Deposits (Rs Billion) | Deposit Growth YoY |
| H1 2025 (Jan–Jun) | 3.64 | +39.4% | 94.7 | +58% |
| 9 Months 2025 (Jan–Sep) | 5.65 | +45.6% | 109.6 | +61.9% |
| FY 2024 (Full Year) | 4.10 | — | 67.7 | — |
Record Profit Growth in 2025
Easypaisa Digital Bank reported profit before tax (PBT) of Rs 5.65 billion for the nine months ending September 2025, a 45.6% increase from Rs 3.88 billion during the same period last year.
Earlier, in the first half of 2025, the bank had already posted Rs 3.64 billion in profit — a growth of 39.4% year-on-year.
These figures highlight how Easypaisa has turned its fintech foundation into a scalable, sustainable business model.
What’s Driving Easypaisa’s Growth
1. Strong Deposit Base
Customer deposits rose sharply to Rs 109.6 billion, up 61.9% year-on-year. This growth shows the public’s increasing trust in Easypaisa as a safe, digital-first banking platform.
2. Non-Markup Income Boost
Easypaisa’s non-markup income (fee-based revenue) grew by 44.6%, driven by mobile payments, digital loans, insurance, and bundle products. The app’s ecosystem approach — combining payments, lending, and lifestyle services — is paying off.
WhatsApp Channel3. Improved Cost Efficiency
Despite expanding operations, Easypaisa reduced its cost-to-income ratio from 80.31% to 69.91%, reflecting better cost management and higher operational efficiency.
4. Expanding Digital Ecosystem
With over 55 million registered users and millions of monthly active customers, Easypaisa continues to strengthen its position as Pakistan’s leading digital financial platform. Its lending services, payments, and savings products now reach every corner of the country.
Challenges and Future Outlook
While Easypaisa’s performance is strong, the journey ahead isn’t without challenges. The loan-to-deposit ratio remains at around 25%, meaning there’s still potential to use more of its deposits for lending. Additionally, non-performing loans (NPLs) at around 16% need close monitoring.
However, with falling interest rates and increasing digital adoption, Easypaisa is well-positioned to grow further. Its continued focus on financial inclusion, technology innovation, and low-cost digital services makes it a clear leader among Pakistan’s digital banks.
Easypaisa’s Role in Pakistan’s Digital Banking Revolution
Easypaisa’s success story represents more than just profit — it reflects Pakistan’s growing trust in digital banking. As more citizens shift from cash to mobile-based transactions, Easypaisa’s inclusive model ensures that banking is accessible to everyone, everywhere.
By empowering users through secure and simple digital solutions, Easypaisa is redefining how Pakistanis save, spend, and invest.
Conclusion
Easypaisa Digital Bank’s profit growth in 2025 proves that digital banking is thriving in Pakistan. With strong financial performance, growing deposits, and innovative products, the bank has set a benchmark for the entire fintech industry. As the digital economy continues to expand, Easypaisa stands as a shining example of how technology can transform finance and drive economic inclusion.
