Mobilink Bank Profits Surge 217% to PKR 3.62 Billion; Deposits Hit Industry Record.
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Mobilink Bank 2025 financial results
Mobilink Bank, Pakistan’s leading digital microfinance institution, has reported exceptional financial performance for the fiscal year ending December 31, 2025. The bank achieved a massive 217% year-on-year growth in Profit Before Tax (PBT), reaching PKR 3.62 billion.
Key Financial and Strategic Highlights
- Revenue and Deposits: Total revenue surged by 33% to PKR 89.5 billion, while deposits grew by 38% to reach PKR 214 billion, the highest in the microfinance industry.
- Loan Portfolio: The Gross Loan Portfolio (GLP) expanded by 38% to PKR 103 billion, backed by robust risk management practices.
- Islamic Banking Launch: A landmark achievement in late 2025 was the official launch of Islamic Banking operations, following the acquisition of a Shariah-compliant license from the State Bank of Pakistan.
- Green Financing: The bank recorded a 55.5% increase in green financing, providing affordable solar energy and electric vehicle (EV) solutions to small businesses and households.
- Financial Inclusion: Women now constitute 24.6% of the bank’s active loan portfolio, driven by gender-centric digital products like Bint-e-Hawwa.
- Capital Strength: The bank maintained a strong Capital Adequacy Ratio (CAR) of 19.53%, well above the regulatory threshold, reflecting a stable capital position supported by fresh investment from the VEON Group.
President & CEO Haaris Mahmood Chaudhary noted that these results reflect the growing trust of millions of customers, while CFO Adil Ali Abbasi attributed the success to a combination of digital innovation and strict financial discipline.
