KARACHI: easypaisa digital bank has reported a record-breaking financial performance for the first quarter of 2026, with profit before tax (PBT) surging to Rs3.66 billion, marking a 4.4 times increase year-on-year compared to Rs840 million recorded during the same period last year.
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For the quarter ended March 31, 2026, the bank posted a profit after tax (PAT) of Rs1.49 billion, while earnings per share (EPS) stood at Rs2.47, reflecting strong momentum in Pakistan’s rapidly growing digital banking sector.
The bank’s strong performance was supported by broad-based revenue growth, with overall revenue increasing 24 percent year-on-year. Net markup income rose 22 percent, driven by expansion in lending and treasury operations, while fee-based income climbed 27.1 percent due to higher payment services revenue, including digital transactions and bundle services.
easypaisa digital bank also maintained strong balance sheet growth during the quarter. Total assets reached Rs217.6 billion, while customer deposits increased 52 percent year-on-year to Rs153.4 billion. The bank maintained a high CASA ratio of 97.7 percent, highlighting the strength of its low-cost deposit base.
Asset quality indicators remained robust, with non-performing loans recorded at 3.03 percent and fully covered through a coverage ratio of 164 percent. Meanwhile, the bank’s capital adequacy ratio stood at 21.27 percent, significantly above regulatory requirements.
According to the bank, the results reflect continued customer trust, strong adoption of digital financial services and sustained investment in technology, customer acquisition and financial inclusion initiatives. easypaisa now serves more than 22 million monthly active users, further strengthening its position as Pakistan’s leading digital retail bank.
