easypaisa reports Rs13.3 billion pre-tax profit for nine months of 2026
easypaisa Digital Bank posted a profit before tax of PKR 13.30 billion for the first nine months of 2026, 2.35 times the level a year earlier. Its board approved the financial statements for the period ended September 30.
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- Profit before tax was PKR 13.30 billion, up 2.35 times year on year.
- Profit after tax was PKR 7.41 billion; earnings per share were PKR 12.31.
- Customer deposits rose 59.06% to PKR 174.39 billion.
The board of directors of easypaisa Digital Bank has approved the financial statements for the nine months ended September 30, 2026, according to TechJuice and The Nation Business. The bank reported a profit before tax of PKR 13.30 billion, which is 2.35 times the figure for the same period last year.
Profit after tax came to PKR 7.41 billion, and earnings per share were PKR 12.31. Total revenue rose 38.53% year on year to PKR 46.67 billion, TechJuice reported.
Net markup income grew 37.0%, driven by a growing lending portfolio and treasury investments. Fee-based income rose 40.63%, supported by payment services, online transactions, disbursements, collections and insurance products. Non-markup expenses rose to PKR 32.80 billion, and the cost-to-income ratio stood at 70.27%.
Customer deposits increased 59.06% year on year to PKR 174.39 billion. The CASA ratio reached 96.99%, while the current account ratio was 79%. Net advances rose to PKR 31.65 billion, giving an advances-to-deposit ratio of 18.15%.
On asset quality, non-performing loans were 2.91% of gross advances and the coverage ratio was 165.07%. The capital adequacy ratio was 27.54% as of September 30.
The Pakistan Credit Rating Agency upgraded the bank's long-term entity rating to AA- in July and maintained its short-term rating at A1.
President and CEO Jahanzeb Khan said "these results demonstrate sustainable financial performance". The bank plans to expand into lending, savings, remittances, Islamic banking, foreign exchange and credit cards.
easypaisa has more than 60 million registered users and is backed by Telenor Group and Ant Group, TechJuice reported.
Why it matters
easypaisa is one of Pakistan's largest mobile wallets, used by millions for bills and transfers, and it reports more than 60 million registered users. Its results and planned expansion into lending, savings and remittances concern those customers.
