Islamabad: Mobilink Bank, Pakistan's leading digital microfinance institution, has reported a significant financial upturn for the year ending December 31, 2025, with a Profit Before Tax (PBT) of PKR 3.62 billion, marking a 217% Year-on-Year (YoY) growth. The bank's total revenue increased by 33% to PKR 89.5 billion, while deposits rose by 38% to PKR 214 billion, the highest in the country's microfinance sector.
According to Mobilink Bank, the Gross Loan Portfolio expanded by 38% to PKR 103 billion, and the bank maintained a Capital Adequacy Ratio of 19.53% at the close of the year. The bank also reported a 55.5% YoY increase in green financing, supporting sustainable practices among individuals and small businesses. Additionally, women accounted for 24.6% of the loan portfolio, facilitated by targeted loan offerings and enhanced digital access.
A key development in 2025 was the launch of Islamic Banking, marking a strategic advancement in the bank's service offerings. This initiative aimed to provide Shariah-compliant financial solutions, expanding access to faith-aligned banking products. Mobilink Bank's performance reflects its commitment to responsible lending and compliance with State Bank of Pakistan regulations, with a focus on preventing customer over-indebtedness and supporting financial inclusion.
Haaris Mahmood Chaudhary, President and CEO of Mobilink Bank, highlighted the bank's mission to expand access to finance for underserved segments, emphasizing the role of digital banking in fostering small business growth. Adil Ali Abbasi, the bank's Chief Financial Officer, noted the bank's focus on financial discipline and asset quality, underscoring the strength of its core business and prudent risk management.
Looking ahead, Mobilink Bank aims to solidify its position as the top bank for small businesses through digital Islamic Banking solutions.
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