Market announcement
AS Inbank
LEI code
2138005M92IEIQVEL297
Size of the entity
Large group
Economic activities
Financial and Insurance Activities
Industry sector(s)
Credit institution
Country of registered office
Estonia
General information
Categories
Other corporate action
Unique data record identifier
18519
Attachments
Submission date and time
30.04.2026 08:30:02
Content of announcement in Estonian
Title
Inbanki 2026. aasta esimese kvartali auditeerimata majandustulemused
Message
Inbank alustas 2026. aastat tugeva müügikasvu ja põhitegevuse stabiilse
tulemusega, kuigi kasumlikkus oli võrreldes eelmiste kvartalitega mõõdukam.
2026. aasta esimeses kvartalis oli Inbanki konsolideeritud puhaskasum 4 miljonit
eurot, mis on 11% vähem kui aasta tagasi. Kvartali omakapitali tootlus (ROE) oli
9,4%.
* 2026. aasta esimeses kvartalis ulatus Inbanki netotulu 21,9 miljoni euroni,
kasvades aastatagusega võrreldes 5%. Tegevuskulud suurenesid 12,1 miljoni
euroni, peamiselt kasvanud turunduskulude tõttu, püsides eelmise kvartaliga
võrreldes siiski stabiilsena.
* Inbanki müügimaht ulatus 206 miljoni euroni, kasvades aastatagusega
võrreldes 24% ning saavutades rekordilise kvartali tulemuse. Regionaalselt
vedasid kasvu Kesk- ja Ida-Euroopa, kus müügimaht suurenes 33%, samal ajal
kui Balti riigid näitasid samuti tugevat 18% kasvu.
* Müük kasvas laiapõhjaliselt üle enamiku tootegruppide. Väikelaenude maht
enam kui kahekordistus, kasvades 104% ja ulatudes 47,3 miljoni euroni.
Autode finantseerimise maht kasvas 28% ja ulatus 51,5 miljoni euroni, mida
toetasid uus Otomoto partnerlus Poolas ning Eesti autoturu järkjärguline
taastumine. Renditeenuste müügimaht kasvas 60%, samal ajal netorenditulu aga
17%. Rohefinantseerimise müügimaht püsis 32,8 miljoni euro tasemel. ?Maksa
hiljem" lahendused jäid suurimaks segmendiks 56,8 miljoni euro suuruse
müügiga, kuigi nende maht vähenes aastatagusega võrreldes 4%.
* Esimese kvartali lõpu seisuga ulatus Inbanki laenu- ja rendiportfell 1,29
miljardi euroni, kasvades aastatagusega võrreldes 10%. Portfelli kasvu
mõjutasid suuremad ennetähtaegsed tagasimaksed ning Poola zloti nõrgenemine.
Klientide hoiuste maht kasvas 5% ja ulatus 1,33 miljardi euroni.
* Krediidikvaliteet püsis stabiilsena, allahindluste tase oli 1,6% keskmisest
laenu- ja rendiportfellist ning jäi seatud sihttaseme piiresse.
* 2026. aasta aprillis maksis Inbank oma ajaloo esimese ühekordse dividendi
summas 4,8 miljonit eurot, mida toetasid viimastes kvartalites järk-järgult
kasvanud kasumlikkus ja omakapitali baas.
* 2026. aasta esimese kvartali lõpu seisuga oli Inbankil üle 847 000 aktiivse
kliendilepingu ja enam kui 6200 aktiivset koostööpartnerit.
Tulemusi kommenteerib Inbanki tegevjuht Priit Põldoja:
?Inbank alustas 2026. aastat väga korraliku müügikasvuga. Rekordilise müügimahu
saavutamine muidu hooajaliselt aeglasemas esimeses kvartalis annab meile tugeva
positsiooni eelseisvaks aastaks. Portfelli kasumlikkust mõjutasid kvartali
jooksul tehtud laenuportfelli ümberhinnastamine ja ennetähtaegsetest
tagasimaksetest tulenenud marginaalisurve. Paralleelselt jätkas
finantseerimiskulu vähenemist ning portfell püsib hästi hajutatud ja näitab
endiselt head kvaliteeti, mida toetavad stabiilsed makromajanduslikud tingimused
meie põhiturgudel.
Eeldame siiski, et hiljutiste ümberhinnastamiste mõjude ja tagasimaksete
dünaamika tõttu jääb marginaalisurve lähiajal püsima. Kasumlikkuse edasiseks
parandamiseks ülejäänud aastal peame enda praegustel turgudel jätkama
kasvustrateegia elluviimist, suurendama turuosa ja tugevdama toodete
konkurentsivõimet. Samaaegselt tuleb säilitada distsiplineeritud hinnastamine,
riskijuhtimine ja kulude kontroll."
Olulised finantsnäitajad 31.03.2026 seisuga
Varade maht: 1,62 miljardit eurot
Laenu- ja rendiportfell: 1,29 miljardit eurot
Hoiuseportfell: 1,33 miljardit eurot
Omakapital: 172 miljonit eurot
Puhaskasum: 4 miljonit eurot
Omakapitali tootlus: 9,4%
Konsolideeritud kasumiaruanne (tuhandetes eurodes)
+----------------------------+------------+------------+-----------+-----------+
| | I kvartal| I kvartal| | |
| | 2026| 2025|3 kuud 2026|3 kuud 2025|
+----------------------------+------------+------------+-----------+-----------+
|Intressitulu sisemise | | | | |
|intressimäära meetodil | 31 502| 31 273| 31 502| 31 273|
+----------------------------+------------+------------+-----------+-----------+
|Intressikulu | - 13 126| - 13 313| - 13 126| - 13 313|
+----------------------------+------------+------------+-----------+-----------+
|Neto intressitulu | 18 376| 17 960| 18 376| 17 960|
+----------------------------+------------+------------+-----------+-----------+
| | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Komisjoni- ja teenustasutulu| 92| 7| 92| 7|
+----------------------------+------------+------------+-----------+-----------+
|Komisjoni- ja teenustasukulu| - 1 289| - 1 232| - 1 289| - 1 232|
+----------------------------+------------+------------+-----------+-----------+
|Neto teenustasutulu/kulu | - 1 197| - 1 225| - 1 197| - 1 225|
+----------------------------+------------+------------+-----------+-----------+
| | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Tulu renditeenustest | 11 277| 9 149| 11 277| 9 149|
+----------------------------+------------+------------+-----------+-----------+
|Eelnevalt klientidele | | | | |
|renditud varade müük | 5 313| 3 961| 5 313| 3 961|
+----------------------------+------------+------------+-----------+-----------+
|Muud põhitegevusega seotud | | | | |
|tulud | 0| 0| 0| 0|
+----------------------------+------------+------------+-----------+-----------+
|Amortisatsioonikulu | | | | |
|rendivaradelt | - 5 320| - 4 262| - 5 320| - 4 262|
+----------------------------+------------+------------+-----------+-----------+
|Muud põhitegevusega seotud | | | | |
|kulud | - 1 982| - 1 683| - 1 982| - 1 683|
+----------------------------+------------+------------+-----------+-----------+
|Eelnevalt klientidele | | | | |
|renditud müüdud varade kulu | - 5 174| - 3 643| - 5 174| - 3 643|
+----------------------------+------------+------------+-----------+-----------+
|Neto renditeenusega seotud | | | | |
|tulud/kulud | 4 114| 3 522| 4 114| 3 522|
+----------------------------+------------+------------+-----------+-----------+
| | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Muud äritulud | 44| 11| 44| 11|
+----------------------------+------------+------------+-----------+-----------+
|Netokahjum/kasum õiglases | | | | |
|väärtuses kajastatavatelt | | | | |
|finantsvaradelt | 637| 444| 637| 444|
+----------------------------+------------+------------+-----------+-----------+
|Valuutakursi ümberhindluse | | | | |
|kasumid/kahjumid | - 108| 19| - 108| 19|
+----------------------------+------------+------------+-----------+-----------+
|Neto kasum/kahjum | | | | |
|finantsinstrumentidelt | 573| 474| 573| 474|
+----------------------------+------------+------------+-----------+-----------+
| | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Netotulud kokku | 21 866| 20 731| 21 866| 20 731|
+----------------------------+------------+------------+-----------+-----------+
| | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Tööjõukulud | - 5 987| - 5 610| - 5 987| - 5 610|
+----------------------------+------------+------------+-----------+-----------+
|Turunduskulud | - 1 203| - 853| - 1 203| - 853|
+----------------------------+------------+------------+-----------+-----------+
|Halduskulud | - 3 193| - 2 962| - 3 193| - 2 962|
+----------------------------+------------+------------+-----------+-----------+
|Põhivara kulum | - 1 720| - 1 663| - 1 720| - 1 663|
+----------------------------+------------+------------+-----------+-----------+
|Tegevuskulud kokku | - 12 103| - 11 088| - 12 103| - 11 088|
+----------------------------+------------+------------+-----------+-----------+
| | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Kasum sidusettevõtetelt | 0| 0| 0| 0|
+----------------------------+------------+------------+-----------+-----------+
|Laenude ja nõuete | | | | |
|allahindluse kulu | - 5 200| - 4 470| - 5 200| - 4 470|
+----------------------------+------------+------------+-----------+-----------+
|Aruandeperioodi kasum enne | | | | |
|tulumaksu | 4 563| 5 173| 4 563| 5 173|
+----------------------------+------------+------------+-----------+-----------+
| | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Tulumaksu kulu | - 547| - 642| - 547| - 642|
+----------------------------+------------+------------+-----------+-----------+
|Aruandeperioodi kasum | 4 016| 4 531| 4 016| 4 531|
+----------------------------+------------+------------+-----------+-----------+
| | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Kirjed, mida võib edaspidi | | | | |
|klassifitseerida | | | | |
|kasumiaruandesse | | | | |
+----------------------------+------------+------------+-----------+-----------+
|Realiseerimata kursivahed | - 79| - 107| - 79| - 107|
+----------------------------+------------+------------+-----------+-----------+
|Aruandeperioodi koondkasum | 3 937| 4 424| 3 937| 4 424|
+----------------------------+------------+------------+-----------+-----------+
Konsolideeritud finantsseisundi aruanne (tuhandetes eurodes)
+---------------------------------------------+----------+----------+----------+
| |31.03.2026|31.12.2025|31.03.2025|
+---------------------------------------------+----------+----------+----------+
|Varad | | | |
+---------------------------------------------+----------+----------+----------+
|Raha ja raha ekvivalendid | 174 543| 144 541| 218 356|
+---------------------------------------------+----------+----------+----------+
|Kohustuslikud reservid keskpankades | 26 069| 28 859| 26 042|
+---------------------------------------------+----------+----------+----------+
|Nõuded teistele pankadele | 10 083| 10 004| 0|
+---------------------------------------------+----------+----------+----------+
|Investeeringud võlakirjadesse | 58 729| 59 393| 47 063|
+---------------------------------------------+----------+----------+----------+
|Finantsvarad õiglases väärtuses muutustega | | | |
|läbi kasumiaruande | 239| 94| 103|
+---------------------------------------------+----------+----------+----------+
|Laenud ja nõuded | 1 156 938| 1 152 136| 1 059 208|
+---------------------------------------------+----------+----------+----------+
|Muud finantsvarad | 4 155| 3 610| 5 309|
+---------------------------------------------+----------+----------+----------+
|Materiaalsed varad | 120 031| 113 835| 100 263|
+---------------------------------------------+----------+----------+----------+
|Vara kasutusõigus | 19 001| 20 469| 19 775|
+---------------------------------------------+----------+----------+----------+
|Immateriaalsed varad | 34 074| 33 492| 32 022|
+---------------------------------------------+----------+----------+----------+
|Muud varad | 6 243| 6 300| 9 532|
+---------------------------------------------+----------+----------+----------+
|Edasilükkunud tulumaksu vara | 7 080| 7 299| 4 973|
+---------------------------------------------+----------+----------+----------+
|Varad kokku | 1 617 185| 1 580 032| 1 522 646|
+---------------------------------------------+----------+----------+----------+
| | | | |
+---------------------------------------------+----------+----------+----------+
|Kohustised | | | |
+---------------------------------------------+----------+----------+----------+
|Klientide hoiused | 1 334 166| 1 301 052| 1 267 247|
+---------------------------------------------+----------+----------+----------+
|Finantskohustised õiglases väärtuses | | | |
|muutustega läbi kasumiaruande | 0| 265| 120|
+---------------------------------------------+----------+----------+----------+
|Muud finantskohustised | 44 251| 46 204| 50 513|
+---------------------------------------------+----------+----------+----------+
|Tulumaksukohustis | 542| 193| 320|
+---------------------------------------------+----------+----------+----------+
|Edasilükkunud tulumaksu kohustis | 1 438| 1 350| 660|
+---------------------------------------------+----------+----------+----------+
|Muud kohustised | 16 160| 11 132| 10 816|
+---------------------------------------------+----------+----------+----------+
|Allutatud võlaväärtpaberid | 48 884| 48 866| 40 896|
+---------------------------------------------+----------+----------+----------+
|Kohustised kokku | 1 445 441| 1 409 062| 1 370 572|
+---------------------------------------------+----------+----------+----------+
| | | | |
+---------------------------------------------+----------+----------+----------+
|Omakapital | | | |
+---------------------------------------------+----------+----------+----------+
|Aktsiakapital | 1 189| 1 178| 1 152|
+---------------------------------------------+----------+----------+----------+
|Ülekurss | 61 752| 60 166| 54 849|
+---------------------------------------------+----------+----------+----------+
|Kohustuslik reservkapital | 119| 115| 109|
+---------------------------------------------+----------+----------+----------+
|Muud reservid | 510| 1 153| 1 316|
+---------------------------------------------+----------+----------+----------+
|Jaotamata kasum | 108 174| 108 358| 94 648|
+---------------------------------------------+----------+----------+----------+
|Omakapital kokku | 171 744| 170 970| 152 074|
+---------------------------------------------+----------+----------+----------+
| | | | |
+---------------------------------------------+----------+----------+----------+
|Kohustised ja omakapital kokku | 1 617 185| 1 580 032| 1 522 646|
+---------------------------------------------+----------+----------+----------+
Inbank on Euroopa Liidu pangalitsentsiga finantstehnoloogia ettevõte, mis
ühendab kaupmehi, tarbijaid ja finantsasutusi järgmise põlvkonna embedded
finance platvormil. Koostöös enam kui 6200 kaupmehega on Inbankil 847 000+
aktiivset lepingut ja hoiuseid kogutakse seitsmes Euroopa riigis. Inbanki
võlakirjad on noteeritud Nasdaq Tallinna börsil.
Lisainfo:
Styv Solovjov
AS Inbank
investorsuhete juht
5645 9738
[email protected]
Content of announcement in English
Title
Inbank unaudited financial results for Q1 2026
Message
Inbank started 2026 with strong sales growth and stable underlying performance,
while profitability development was more moderate. In Q1 2026 Inbank earned a
consolidated net profit of EUR4 million, decreasing 11% year-on-year. The return
on equity (ROE) in Q1 was 9.4%.
* In Q1 2026, Inbank's total net income amounted to EUR21.9 million, increasing
5% year-on-year. Operating expenses increased to EUR12.1 million, reflecting
higher continued investments in technology and marketing spend, while
remaining stable compared to the previous quarters.
* Originated volume reached EUR206 million, increasing 24% year-on-year and
marking a record quarterly result. Regionally growth was led by Central and
Eastern Europe, where originated volume increased by 33%, while the Baltics
also delivered solid growth of 18%.
* Sales growth was broad-based across most product groups. Personal loans more
than doubled year-on-year, increasing by 104% to EUR47.3 million. Car
financing volumes grew by 28% to EUR51.5 million, supported by the launch of
the Otomoto partnership (part of OLX Group) in Poland and gradual recovery
in the Estonian car market. Rental services volumes increased by 60%, while
net rental income grew by 17%. Green financing volumes remained stable at
EUR32.8 million. Pay later products remained the largest segment with EUR56.8
million in sales, although volumes declined by 4% year-on-year.
* By the end of the quarter, Inbank's loan and rental portfolio reached EUR1.29
billion, growing 10% year-on-year. Portfolio growth was impacted by higher
early repayments and the weakening of the Polish zloty. Customer deposits
increased by 5% year-on-year to EUR1.33 billion.
* Credit quality remained stable, with impairment levels at 1.6% of the
average loan and rental portfolio, remaining within the target range.
* In April 2026, Inbank paid its first-ever, one-off dividend of EUR4.8 million,
supported by a gradual increase in net profit and equity base over recent
quarters.
* By the end of Q1 2026, Inbank had more than 847,000 active customer
contracts and over 6,200 active retail partners.
Priit Põldoja, CEO of Inbank, comments:
"Inbank entered 2026 with a very strong sales growth. Achieving a record
originated volume in a seasonally slower first quarter positions us well for the
year ahead. At the same time, margin pressure from loan portfolio repricing and
early repayments weighed on profitability during the quarter. At the same time,
funding cost continued to decline and the overall portfolio quality remains well
diversified and resilient, supported by stable macroeconomic conditions across
our core markets.
Looking ahead, we expect margin pressure to persist in the near term due to
repricing effects and repayment dynamics. To improve profitability during the
rest of the year, we remain focused on executing our growth strategy across
existing markets, strengthening product competitiveness and maintaining
discipline in pricing, risk management and cost control."
Key financial indicators as of 31.03.2026
Total assets EUR1.62 billion
Loan and rental portfolio EUR1.29 billion
Customer deposits EUR1.33 billion
Total equity EUR172 million
Net profit EUR4 million
Return on equity 9.4%
Consolidated income statement (in thousands of euros)
+----------------------------------+-------+-------+-------------+-------------+
| |Q1 2026|Q1 2025|3 months 2026|3 months 2025|
+----------------------------------+-------+-------+-------------+-------------+
|Interest income calculated using | | | | |
|effective interest method | 31,502| 31,273| 31,502| 31,273|
+----------------------------------+-------+-------+-------------+-------------+
|Interest expense |-13,126|-13,313| -13,126| -13,313|
+----------------------------------+-------+-------+-------------+-------------+
|Net interest income | 18,376| 17,960| 18,376| 17,960|
+----------------------------------+-------+-------+-------------+-------------+
| | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Fee and commission income | 92| 7| 92| 7|
+----------------------------------+-------+-------+-------------+-------------+
|Fee and commission expenses | -1,289| -1,232| -1,289| -1,232|
+----------------------------------+-------+-------+-------------+-------------+
|Net fee and commission | | | | |
|income/expenses | -1,197| -1,225| -1,197| -1,225|
+----------------------------------+-------+-------+-------------+-------------+
| | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Rental income | 11,277| 9,149| 11,277| 9,149|
+----------------------------------+-------+-------+-------------+-------------+
|Sale of assets previously rented | | | | |
|to customers | 5,313| 3,961| 5,313| 3,961|
+----------------------------------+-------+-------+-------------+-------------+
|Other operating income | 0| 0| 0| 0|
+----------------------------------+-------+-------+-------------+-------------+
|Depreciation of rental assets | -5,320| -4,262| -5,320| -4,262|
+----------------------------------+-------+-------+-------------+-------------+
|Other operating expenses | -1,982| -1,683| -1,982| -1,683|
+----------------------------------+-------+-------+-------------+-------------+
|Cost of assets sold previously | | | | |
|rented to customers | -5,174| -3,643| -5,174| -3,643|
+----------------------------------+-------+-------+-------------+-------------+
|Net rental income/expenses | 4,114| 3,522| 4,114| 3,522|
+----------------------------------+-------+-------+-------------+-------------+
| | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Other operating income | 44| 11| 44| 11|
+----------------------------------+-------+-------+-------------+-------------+
|Net gains/losses from financial | | | | |
|assets measured at fair value | 637| 444| 637| 444|
+----------------------------------+-------+-------+-------------+-------------+
|Foreign exchange rate gain/losses | -108| 19| -108| 19|
+----------------------------------+-------+-------+-------------+-------------+
|Net gain/losses from financial | | | | |
|items | 573| 474| 573| 474|
+----------------------------------+-------+-------+-------------+-------------+
| | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Total net income | 21,866| 20,731| 21,866| 20,731|
+----------------------------------+-------+-------+-------------+-------------+
| | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Personnel expenses | -5,987| -5,610| -5,987| -5,610|
+----------------------------------+-------+-------+-------------+-------------+
|Marketing expenses | -1,203| -853| -1,203| -853|
+----------------------------------+-------+-------+-------------+-------------+
|Administrative expenses | -3,193| -2,962| -3,193| -2,962|
+----------------------------------+-------+-------+-------------+-------------+
|Depreciation, amortization | -1,720| -1,663| -1,720| -1,663|
+----------------------------------+-------+-------+-------------+-------------+
|Total operating expenses |-12,103|-11,088| -12,103| -11,088|
+----------------------------------+-------+-------+-------------+-------------+
| | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Share of profit from associates | 0| 0| 0| 0|
+----------------------------------+-------+-------+-------------+-------------+
|Impairment losses on loans and | | | | |
|receivables | -5,200| -4,470| -5,200| -4,470|
+----------------------------------+-------+-------+-------------+-------------+
|Profit before income tax | 4,563| 5,173| 4,563| 5,173|
+----------------------------------+-------+-------+-------------+-------------+
| | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Income tax expense | -547| -642| -547| -642|
+----------------------------------+-------+-------+-------------+-------------+
|Profit for the period | 4,016| 4,531| 4,016| 4,531|
+----------------------------------+-------+-------+-------------+-------------+
| | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Other comprehensive income that | | | | |
|may be reclassified subsequently | | | | |
|to profit or loss | | | | |
+----------------------------------+-------+-------+-------------+-------------+
|Currency translation differences | -79| -107| -79| -107|
+----------------------------------+-------+-------+-------------+-------------+
|Total comprehensive income for the| | | | |
|period | 3,937| 4,424| 3,937| 4,424|
+----------------------------------+-------+-------+-------------+-------------+
Consolidated statement of financial position (in thousands of euros)
+---------------------------------------------+----------+----------+----------+
| |31/03/2026|31/12/2025|31/03/2025|
+---------------------------------------------+----------+----------+----------+
|Assets | | | |
+---------------------------------------------+----------+----------+----------+
|Cash and cash equivalents | 174,543| 144,541| 218,356|
+---------------------------------------------+----------+----------+----------+
|Mandatory reserves at central banks | 26,069| 28,859| 26,042|
+---------------------------------------------+----------+----------+----------+
|Due from other banks | 10,083| 10,004| 0|
+---------------------------------------------+----------+----------+----------+
|Investments in debt securities | 58,729| 59,393| 47,063|
+---------------------------------------------+----------+----------+----------+
|Financial assets measured at fair value | | | |
|through profit or loss | 239| 94| 103|
+---------------------------------------------+----------+----------+----------+
|Loans and receivables | 1,156,938| 1,152,136| 1,059,208|
+---------------------------------------------+----------+----------+----------+
|Other financial assets | 4,155| 3,610| 5,309|
+---------------------------------------------+----------+----------+----------+
|Tangible fixed assets | 120,031| 113,835| 100,263|
+---------------------------------------------+----------+----------+----------+
|Right of use assets | 19,001| 20,469| 19,775|
+---------------------------------------------+----------+----------+----------+
|Intangible assets | 34,074| 33,492| 32,022|
+---------------------------------------------+----------+----------+----------+
|Other assets | 6,243| 6,300| 9,532|
+---------------------------------------------+----------+----------+----------+
|Deferred tax assets | 7,080| 7,299| 4,973|
+---------------------------------------------+----------+----------+----------+
|Total assets | 1,617,185| 1,580,032| 1,522,646|
+---------------------------------------------+----------+----------+----------+
| | | | |
+---------------------------------------------+----------+----------+----------+
|Liabilities | | | |
+---------------------------------------------+----------+----------+----------+
|Customer deposits | 1,334,166| 1,301,052| 1,267,247|
+---------------------------------------------+----------+----------+----------+
|Financial liabilities measured at fair value | | | |
|through profit or loss | 0| 265| 120|
+---------------------------------------------+----------+----------+----------+
|Other financial liabilities | 44,251| 46,204| 50,513|
+---------------------------------------------+----------+----------+----------+
|Current tax liability | 542| 193| 320|
+---------------------------------------------+----------+----------+----------+
|Deferred tax liability | 1,438| 1,350| 660|
+---------------------------------------------+----------+----------+----------+
|Other liabilities | 16,160| 11,132| 10,816|
+---------------------------------------------+----------+----------+----------+
|Subordinated debt securities | 48,884| 48,866| 40,896|
+---------------------------------------------+----------+----------+----------+
|Total liabilities | 1,445,441| 1,409,062| 1,370,572|
+---------------------------------------------+----------+----------+----------+
| | | | |
+---------------------------------------------+----------+----------+----------+
|Equity | | | |
+---------------------------------------------+----------+----------+----------+
|Share capital | 1,189| 1,178| 1,152|
+---------------------------------------------+----------+----------+----------+
|Share premium | 61,752| 60,166| 54,849|
+---------------------------------------------+----------+----------+----------+
|Statutory reserve | 119| 115| 109|
+---------------------------------------------+----------+----------+----------+
|Other reserves | 510| 1,153| 1,316|
+---------------------------------------------+----------+----------+----------+
|Retained earnings | 108,174| 108,358| 94,648|
+---------------------------------------------+----------+----------+----------+
|Total equity | 171,744| 170,970| 152,074|
+---------------------------------------------+----------+----------+----------+
| | | | |
+---------------------------------------------+----------+----------+----------+
|Total liabilities and equity | 1,617,185| 1,580,032| 1,522,646|
+---------------------------------------------+----------+----------+----------+
Inbank is a financial technology company with an EU banking license that
connects merchants, consumers and financial institutions on its next generation
embedded finance platform. Partnering with more than 6,200 merchants, Inbank has
847,000+ active contracts and collects deposits across 7 markets in Europe.
Inbank bonds are listed on the Nasdaq Tallinn Stock Exchange.
Additional information:
Styv Solovjov
AS Inbank
Head of Investor Relations
+372 5645 9738
[email protected] (mailto:[email protected])