easypaisa digital bank more than doubles profit to around Rs6bn in H1 2026

easypaisa digital bank reported profit before tax of Rs8.26bn and profit after tax of Rs5.78bn for the first half of 2026, according to Mettis Global. The pre-tax figure was 2.27 times the level recorded in the same period last year, and earnings per share came to Rs9.61. The board has signed off the accounts for the six months to 30 June.

Revenue rose 30.50% year on year, with net markup income up 32.46% and fee-based income up 28.34%. Customer deposits grew 67.37% to Rs158.58bn, while total assets reached Rs232.58bn. Operating expenses climbed to Rs21.08bn as the bank spent on customer acquisition, merchant expansion and support for digital lending.

The Pakistan Credit Rating Agency upgraded the bank's long-term entity rating to AA- on 1 July 2026 and affirmed its short-term rating at A1. The bank also reported a capital adequacy ratio of 23.75% and non-performing loans of 3.16%. Management said it is expanding into Islamic banking, foreign exchange, consumer lending and credit cards.