easypaisa digital bank has posted a profit before tax of Rs13.30 billion for the nine months ended September 30, 2026, more than double the figure from a year earlier, according to results reported in Karachi on November 1, 2026.
What happened?
The bank’s Board of Directors approved the financial statements for the nine-month period, which show strong growth across lending, treasury and fee-based income. Profit after tax stood at Rs7.41 billion, with earnings per share of Rs12.31. President and CEO Jahanzeb Khan said the growth was translating into sustainable financial performance, and the bank will deepen its work in lending, savings, remittances and Islamic banking.
Key details
- Profit before tax of Rs13.30 billion for the nine months ended September 30, 2026, which is 2.35 times the figure a year earlier.
- Profit after tax of Rs7.41 billion and earnings per share of Rs12.31.
- Total revenue rose 38.53 per cent year-on-year to Rs46.67 billion, with net markup income up 37 per cent and fee-based income up 40.63 per cent.
- Non-markup expenses reached Rs32.8 billion, putting the cost-to-income ratio at 70.27 per cent.
- Customer deposits climbed 59.06 per cent to Rs174.39 billion, with a CASA ratio of 96.99 per cent.
- Net advances stood at Rs31.65 billion, while non-performing loans were 2.91 per cent of gross advances, with a coverage ratio of 165.07 per cent.
- The capital adequacy ratio was 27.54 per cent, well above the regulatory requirement.
- The bank has more than 60 million registered users, and its long-term entity rating was upgraded to AA- by the Pakistan Credit Rating Agency in July 2026.
What it means for people in Pakistan
For the millions of Pakistanis who use easypaisa for payments, savings and remittances, the results point to a digital bank that is growing quickly while staying well capitalised. Strong deposit growth and rising fee income from payment services suggest more people are moving everyday banking onto their phones, and the bank’s plans to deepen lending, savings and Islamic banking could mean wider access to credit and savings products for customers who may never visit a traditional bank branch.
Source: https://www.thenews.pk/print/1446136-easypaisa-digital-bank-pre-tax-profit-hits-rs13-3bn
