ISLAMABAD, July 6, 2026: The Pakistan Credit Rating Agency (PACRA) has upgraded easypaisa digital bank’s long-term credit rating from A+ to AA-, citing improved financial strength, expanding operations and sustained growth in Pakistan’s digital banking sector.
The upgrade reflects the bank’s continued expansion following its transition into a licensed Digital Retail Bank and its growing role in financial inclusion and digital payments across the country. According to PACRA, the rating improvement highlights stronger balance sheet fundamentals, risk management practices and operational resilience.
The development marks the second consecutive upgrade for easypaisa in as many years, underscoring what analysts described as consistent improvement in its financial and operational performance within Pakistan’s evolving digital banking landscape.
Growth after digital banking license
Following its Digital Retail Bank license granted in January 2025, easypaisa digital bank has reported increased transaction volumes, higher customer engagement and wider adoption of its mobile platform.
Strategic backing from shareholders including Telenor Group and technology support from Ant Group were cited as additional strengths supporting the bank’s operational capacity and long-term growth outlook.
Financial and operational performance
The bank reported processing more than 4.6 billion transactions worth PKR 16 trillion during 2025. Monthly active users increased to over 22 million, while branchless banking deposits rose to PKR 122.8 billion.
Profit after tax stood at PKR 17.04 billion, reflecting a significant year-on-year increase supported by higher fee income and markup earnings. The bank’s capital adequacy ratio improved to 20.4 percent, while its equity base reached PKR 30.9 billion.
Its merchant network expanded to 300,000 outlets, supporting payments, collections and digital transactions across retail and business segments. Total assets increased to PKR 184.8 billion, driven largely by growth in investments and deposit mobilisation.
Position in digital financial services
According to company data, easypaisa now serves more than 60 million registered users across Pakistan. The platform offers digital payments, lending, savings, insurance and merchant solutions through its mobile application and agent network.
Officials said the upgrade reinforces the bank’s position within Pakistan’s digital financial ecosystem and aligns with broader efforts to expand financial inclusion through technology-driven banking services.
Also Read: easypaisa Bank Delivers Record Q1 2026 Results with Profit Before Tax of PKR 3.66 Bn
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