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Inbank publishes audited Annual Report for 2025

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The consolidated Annual Report 2025 has been included in the announcement and
will be made available on the Inbank investor relations website
at https://inbank.eu/investors/reporting. Compared to the unaudited Interim
Report published on 26 February 2026, there are no differences in the audited
results.

The original document is submitted in machine readable .xhtmpl format (ESEF) to
Nasdaq Tallinn Stock Exchange and is digitally signed. The ESEF file is attached
to the Estonian-language stock exchange release and is also available on the
Inbank's investor relations website at https://inbank.eu/investors/reporting.

  * In 2025, total net income reached EUR85.1 million, increasing 13% year-on-
    year, while operating expenses remained broadly flat at EUR46.3 million. As a
    result, net profit increased 57% to EUR19.2 million and return on equity
    improved to 12.3%. The cost-income ratio improved to 54.4%.
  * In 2025, Inbank's originated volume grew by 10% year-on-year to a record
    EUR770 million. Growth was driven by strong performance in Central and Eastern
    Europe, where originated volume increased 23% to EUR309 million, while Baltics
    volumes grew 3% to EUR462 million.
  * Merchant solutions remained the largest segment, reaching EUR272 million in
    originated volume, increasing 7% year-on-year, driven mainly by strong Buy
    Now, Pay Later demand across the Baltics. Green financing was the strongest
    contributor to growth, increasing 65% to EUR146 million, supported by demand
    in Poland. Direct lending increased 33% to EUR119 million. Car financing
    originated volume declined 15% to EUR178 million, while rental services
    remained stable at EUR54 million. Both car financing and rental volumes were
    significantly impacted by the introduction of Estonia's car tax at the
    beginning of 2025.
  * By year-end, Inbank's loan and rental portfolio grew 11% year-on-year to
    EUR1.28 billion, while customer deposits increased 11% year-on-year to EUR1.3
    billion. Total assets reached EUR1.58 billion at the end of 2025.
  * Credit quality remained within target throughout the year, with annual
    credit costs at 1.59% of the average loan and rental portfolio.
  * Inbank's capital position remained strong. As of 31 December 2025, the total
    capital ratio stood at 18.81% and the CET1 ratio at 14.13%.
  * By the end of 2025, Inbank had 900,000 active customer contracts and over
    6,000 active retail merchants.

Key financials as of 31.12.2025

Total assets EUR1.58 billion
Loan and rental portfolio EUR1.28 billion
Customer deposits EUR1.3 billion
Total equity EUR171 million
Net profit EUR19.2 million
Return on equity 12.3%

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 6,000 merchants, Inbank has
900,000+ 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])