Mobilink Bank posts 217% rise in profit before tax for 2025

Pakistan’s leading digital microfinance bank, Mobilink Bank, has announced its financial results for the year ended Dec. 31.

The bank reported strong growth across key financial and operational indicators while reinforcing its leadership position in Pakistan’s microfinance banking sector.

Financial performance

Mobilink Bank reported a financial turnaround in 2025, with profit before tax reaching PKR 3.62 billion, reflecting a 217% year-on-year increase, while total revenue rose 33% to PKR 89.5 billion.

Deposits grew 38% to PKR 214 billion, the highest in the microfinance industry, highlighting strong customer confidence.

The gross loan portfolio expanded 38% to PKR 103 billion. The bank maintained a capital adequacy ratio of 19.53% at year-end, underscoring its capital position and risk management.

In line with its sustainability priorities, the bank recorded a 55.5% year-on-year incremental increase in green financing, supporting individuals, households and small businesses in adopting sustainable products and resources. It continued to advance financial inclusion, with women representing 24.6% of the loan portfolio, supported through targeted loan offerings and expanded digital access.

Expansion and strategy

A major highlight of 2025 was the launch of Islamic banking, marking a strategic milestone in the bank’s evolution to cater to diverse segments. By introducing Shariah-compliant financial solutions, Mobilink Bank broadened access to faith-aligned banking products while reinforcing its position as a microfinance institution.

The bank said its performance reflects its commitment to responsible lending, with credit decisions grounded in affordability assessments, transparent pricing, fair collection practices and compliance with State Bank of Pakistan regulations. It said it continues to strengthen internal controls to prevent customer over-indebtedness and support financial inclusion. The bank’s growth was further supported by shareholder confidence, reinforcing its capital position and expansion and digital transformation strategy.

Commenting on the financials, Haaris Mahmood Chaudhary, president and CEO of Mobilink Bank, said, “Behind these numbers is a deeper purpose of expanding access to finance for the underserved. As the country’s largest microfinance bank, we are grateful to our customers, regulators, shareholders, and teams whose trust and dedication continue to drive our progress. Our growth reflects the confidence of millions who rely on us to support their livelihoods. We remain focused on empowering small businesses and entrepreneurs through responsible, faith-aligned digital banking that creates lasting opportunity and inclusion across Pakistan.”

Adil Ali Abbasi, chief financial officer of Mobilink Bank, said, “Our 2025 performance reflects a strong focus on financial discipline, improved asset quality, and efficient balance sheet management. The growth in profitability, deposits, and portfolio scale highlights the strength of our core business and our ability to build momentum while maintaining prudent risk and capital positions. As we move forward, we will continue to strengthen our financial foundations, drive operational efficiency, and support the Bank’s long-term growth through sustained investment in digital transformation and innovation.”

Moving into 2026, Mobilink Bank said it remains committed to becoming the number one bank for small businesses powered by digital Islamic banking solutions.