Mobilink Bank Posts Record PKR 3.62B PBT, Reinforcing Leadership in Microfinance Sector

Pakistan’s leading digital microfinance bank, Mobilink Bank, has announced its financial results for the year ended December 31, 2025. The bank delivered strong growth across key financial and operational indicators while reinforcing its leadership position in Pakistan’s microfinance banking sector.

In 2025, Profit Before Tax reached PKR 3.62 billion, reflecting a 217% YoY growth, while total revenue rose 33% to PKR 89.5 billion. Deposits grew 38%, totaling PKR 214 billion, the highest in the microfinance industry, highlighting strong customer confidence. The Gross Loan Portfolio expanded to PKR 103 billion, up 38%. The Bank also maintained a healthy Capital Adequacy Ratio (CAR) of 19.53% at year end, underscoring its solid capital position and prudent risk management.

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

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

The bank’s performance reflects its firm commitment to responsible lending, ensuring that all credit decisions are grounded in prudent affordability assessments, transparent pricing, fair collection practices, and full compliance with applicable SBP regulations. It continues to strengthen internal controls to prevent customer over-indebtedness and support sustainable financial inclusion.

Commenting on the financials, Haaris Mahmood Chaudhary, President & 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.”

Commenting on the financials, Adil Ali Abbasi, Chief Financial Officer at 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 remains committed to becoming the number one bank for small businesses powered by digital Islamic Banking solutions.