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.

Mobilink Bank delivered a strong financial turnaround in 2025, with Profit Before Tax reaching PKR 3.62 billion, reflecting a 217% YoY growth, 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 to PKR 103 billion, up 38%. The Bank also maintained a healthy Capital Adequacy Ratio (CAR) of 19.53% at the 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, which marked a strategic milestone in the Bank’s evolution to be able 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. The Bank’s growth trajectory has been further strengthened by continued shareholder confidence, reinforcing its capital position and supporting its long-term expansion and digital transformation strategy.

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

Pakistan’s leading digital microfinance bank, Mobilink Bank has entered into a strategic partnership with IMARAT Group, one of the country’s premier real estate conglomerates, to enhance access to housing finance, and drive economic empowerment through technology-driven banking solutions.

Pakistan currently faces a housing crisis, with World Bank estimates placing the housing shortage at around 12 million units. The situation is further aggravated by declining affordability, rising property prices, and higher mortgage rates. Mobilink Bank simplifies access to housing finance by offering inclusive, customer-centric solutions that enable low-income and underserved households to secure affordable and dignified homes. The bank’s partnership with IMARAT will revolutionize the home loan experience for their shared customers and employees by digitizing the entire mortgage journey, expanding banking access across IMARAT developments, and onboarding IMARAT employees into Mobilink Bank’s comprehensive digital banking suite. 

The housing finance customers will experience a fully digital onboarding process through IMARAT’s Propmex.ai platform, supported by API integration between IMARAT and Mobilink Bank for seamless property verification. IMARAT will also feature Mobilink Bank’s Mortgage Calculator across its digital platforms, allowing customers to assess affordability and access real-time home financing options.

Mobilink Bank will extend its Employee Banking Suite to IMARAT employees to provide them with salary accounts, digital banking services, insurance coverage, and exclusive financial benefits. Additionally, IMARAT employees will gain access to preferential loan products, including House Finance, Personal Loans, and Solar/EV Loans, designed to promote financial well-being and sustainable living. IMARAT Group will reciprocate by opening corporate banking accounts with Mobilink Bank and maintaining substantial current account balances to support mutual business growth.

To foster digital access and enablement, Mobilink Bank will also install ATMs and Cash Deposit Machines (CDMs) at IMARAT’s commercial projects to encourage cashless transactions. The partnership will also expand Mobilink Bank’s merchant ecosystem by deploying Point-of-Sale (POS) machines across IMARAT malls, brands, and retail outlets, driving digital payment adoption and supporting MSME growth.

Speaking on the occasion, Atta-ur-Rehman, Chief Business Officer, Mobilink Bank, said, “Mobilink Bank is deeply committed to empowering individual and institutional clients through customized financial solutions, digital banking tools, and technology-driven integrations. Pakistan’s housing gap is not just a statistic, but a barrier to dignity, stability, and economic mobility for millions of families. We are committed to breaking this barrier by making housing finance more accessible, affordable, and inclusive through a deep focus on empowering every household to step into a safer, more secure future. Our collaboration with IMARAT will bring us closer to our long-term ambition.”

Shafiq Akbar, Chairman IMARAT Group, said, “This partnership with Mobilink Bank is a major step toward digitizing how real estate operates in Pakistan. We have always believed that technology has the power to simplify every part of the property journey, from buying and selling to financing. Through this collaboration, we are bringing that vision to life by making home ownership easier, smarter, and more accessible while paving the way for a more connected and financially inclusive future.”

The collaboration underscores Mobilink Bank’s leadership in digital banking, housing finance, and employer banking solutions, and reaffirms its commitment to catering to the evolving financial needs of its diverse customer base.