easypaisa digital bank Reports Profit Before Tax of PKR 13.30 Billion for Nine Months Ended September 2026, EPS Stands at PKR 12.31

For context, the Board of Directors of easypaisa digital bank approved the financial statements for the nine-month period concluded September 30, 2026.

Key points

• The Bank remained adequately capitalised, with a capital adequacy ratio of 27.54% as of September 30, 2026, well above the regulatory requirement.
• Total revenue rose by 38.53% to PKR 46.67 billion year-on-year, reflecting robust momentum throughout lending, treasury and fee-based streams.
• Net advances reached PKR 31.65 billion, resulting in an advances-to-deposit ratio of 18.15%.
• Earnings per Share (EPS) stood at PKR 12.31.
• Easypaisa will continue to expand its digital ecosystem and lending portfolio and deepen customer engagement throughout foreign exchange, Islamic banking, credit cards, and remittance.

Notably, the Bank confirmed its financial performance, reporting a Profit Before Tax (PBT) of PKR 13.30 billion and Profit After Tax (PAT) of PKR 7.41 billion, representing a 2.35x rise in PBT over the corresponding period last year. Earnings per Share (EPS) stood at PKR 12.31.

Meanwhile, the expansion was broad-based throughout the Bank's core business streams, backed by an expanding customer base, rising transaction volumes, and continued investments in customer acquisition, talent, technology, and digital innovation.

Total revenue rose by 38.53% to PKR 46.67 billion year-on-year, reflecting robust momentum throughout lending, treasury and fee-based streams. Net markup income grew by 37.0%, backed by the expansion of the lending portfolio and treasury investments, underpinned by robust expansion in customer deposits. Fee-based income rose by 40.63%, backed by higher revenues from payment services, including online payments, disbursements, collections and insurance products.

As well as risk-sharing costs from higher digital lending volumes, non-markup expenses rose to PKR 32.80 billion, in line with revenue expansion, reflecting investment in customer acquisition, engagement and merchant penetration. The cost-to-income ratio was 70.27%.

While maintaining a solid deposit mix with a CASA ratio of 96.99% and a current account ratio of 79%, customer deposits grew by 59.06% year-on-year to PKR 174.39 billion. Net advances reached PKR 31.65 billion, resulting in an advances-to-deposit ratio of 18.15%. Asset quality remained healthy, with non-performing loans at 2.91% of gross advances and a coverage ratio of 165.07%.

For context, the Bank remained adequately capitalised, with a capital adequacy ratio of 27.54% as of September 30, 2026, well above the regulatory requirement. Earlier this year, in July, the Pakistan Credit Rating Agency (PACRA) upgraded easypaisa's long-term entity rating to "AA-" and maintained its short-term rating at "A1", recognising the Bank's solid financial performance, robust risk management, sound asset quality and improved capital position.

Commenting on the solid quarterly performance, Jahanzeb Khan, President & CEO, easypaisa digital bank, stated, "These results demonstrate that our expansion as a digital bank is translating into robust and sustainable financial performance. With an expanding customer base, growing deposits and increasing adoption of digital financial services, we are building a broader digital banking ecosystem that goes beyond payments. While continuing to advance financial inclusion and Pakistan's digital economy.", our focus now is to deepen customer relationships through lending, savings, remittances and Islamic banking.

Easypaisa will continue to expand its digital ecosystem and lending portfolio and deepen customer engagement throughout foreign exchange, Islamic banking, credit cards, and remittance. The Bank remains committed to advancing financial inclusion and Pakistan's digital and cashless economy agenda. With over 60 million registered users and as the country's first digital bank to commence commercial operations, easypaisa remains aligned with the State Bank of Pakistan's vision of driving inclusive economic expansion and continues to expand its range of financial products and services, catering not only to its existing users but additionally to millions who remain unbanked or underbanked.

Stay Connected with ProPakistani.

Obtain the latest tech news, telecom insights, and product launches wherever you prefer. Follow on Google Discover. Follow on Google News Join WhatsApp. See more ProPakistani stories in Google Search and Top Stories.

Taken together, the developments around easypaisa digital bank Reports Profit Before Tax of PKR 13.30 Billion for point to a situation that is still moving, and the coming days should bring more clarity.