Mobilink Bank reported a record profit before tax (PBT) of Rs3.62 billion for the year ended December 31, 2025, marking a 217 per cent year-on-year surge and reinforcing its position as Pakistan’s largest microfinance bank.
The digital microfinance lender posted total revenues of Rs89.5bn, up 33pc from the previous year, reflecting robust operational performance and growing customer confidence.
Deposits rose 38pc to Rs214bn — the highest in the country’s microfinance industry — while the gross loan portfolio expanded by an equal margin to Rs103bn. The bank maintained a Capital Adequacy Ratio (CAR) of 19.53pc at year-end, underscoring its strong capital base and prudent risk management practices in line with regulations of the State Bank of Pakistan.
In a strategic milestone, the bank launched Islamic Banking services during 2025, introducing Shariah-compliant financial solutions to broaden access for diverse customer segments. The move aligns with its ambition to deepen financial inclusion while catering to faith-based banking needs.
Mobilink Bank also reported a 55.5pc year-on-year increase in green financing, supporting households and small businesses in adopting sustainable solutions. Women accounted for 24.6pc of its loan portfolio, reflecting continued focus on gender-inclusive lending through targeted financial products and digital access.
President and CEO Haaris Mahmood Chaudhary said the results reflected a deeper mission of expanding financial access for underserved communities, adding that responsible and faith-aligned digital banking remained central to the bank’s long-term strategy.
Chief Financial Officer Adil Ali Abbasi attributed the performance to improved asset quality, disciplined balance sheet management and operational efficiency, noting that the bank would continue investing in digital transformation and innovation in 2026.
Analysts say the strong earnings momentum and deposit growth signal rising confidence in Pakistan’s microfinance sector, even amid broader macroeconomic challenges, positioning Mobilink Bank for further expansion in the coming year.
