Börsiteade
AS Inbank
LEI kood
2138005M92IEIQVEL297
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
Sektor(id)
Krediidiasutus
Emitendi registreeritud asukoht
Eesti
Üldandmed
Kategooriad
Juhtkonna vaheteadaanne või kvartaalne finantsaruanne
Teate ID
6502
Manused
Esitamise kuupäev ja aeg
21.02.2018 15:31:03
Teate sisu eesti keeles
Pealkiri
Inbank AS-i 2017. aasta neljanda kvartali majandustulemused
Teade
Inbanki konsolideeritud kasum 2017. aasta neljandas kvartalis oli 183 tuhat
eurot. 2017. aasta kogukasum oli 7,5 miljonit eurot, mis on võrreldes eelmise
aastaga 4,8 miljonit eurot rohkem.
Neljandas kvartalis mõjutas Inbanki kasumit enim muudatus Läti
tulumaksuseaduses, mille tõttu oli vaja Läti ettevõtte bilansis olev maksuvara
raamatupidamislikel põhjustel bilansist välja kanda. Seadusemuudatus tõi kaasa
erakorralise kahjumi summas 389 tuhat eurot.
Kõigi Inbanki toodete müügimahud kasvasid 2017. aastal märkimisväärselt.
Inbanki laenuportfell suurenes neljandas kvartalis 7,5%, ulatudes kvartali
lõpuks 92,9 miljoni euroni. Aastaga on laenuportfell kasvanud 43,3 protsendi
ehk 28,1 miljoni euro võrra.
Inbanki hoiuseportfell suurenes neljandas kvartalis 21,4% võrra, ulatudes
kvartali lõpuks 95,1 miljoni euroni. Aastaga on Inbanki hoiuseportfell kasvanud
47,2 protsendi ehk 30,5 miljoni euro võrra. Portfelli tugevat kasvu toetas
aasta lõpus läbi viidud kampaania, mis võimaldas klientidel enne 2018. aastat
avatud hoiustelt intressi kätte saada kohe ning tulumaksuvabalt.
Inbanki juhatuse esimehe Jan Andresoo sõnul näitasid Eestis korralikku müüki
kõik panga tooteliinid. “Aasta jooksul suutsime järelmaksu mahte kasvatada 12,3
protsenti, mis on toote küpsust arvestades väga tugev tulemus. Laenumüük kasvas
eelmise aastaga võrreldes tervelt 147,7 protsenti,” ütles Andresoo.
Inbanki tugevat kasvu koduturul illustreerib ka Eesti Panga statistika. Inbank
on Swedbanki järel tõusnud suuruselt teiseks tarbimislaenude pakkujaks pankade
seas: Inbanki turuosa tagatiseta tarbimislaenude uues müügis oli eelmisel
aastal 26%.
Poolas alustas Inbank neljandas kvartalis müügitegevust partnerkanalis. “Pakume
hetkel nii Rankomati kui ka ASF-i klientidele kindlustustoodete kuumaksete
finantseerimist, mis on Poola turul uus ja innovaatiline lahendus ning mis võib
kujuneda väga atraktiivseks turunišiks. Lisaks on käimas mitmed huvitavad
läbirääkimised võimalike uute partneritega,” rääkis Andresoo.
Viimases kvartalis näitas positiivset dünaamikat Inbanki Läti ettevõte, kus
ärimahud on pärast strateegia muutmist taas kasvule pööranud. “Oleme saanud
juurde mitmeid uusi järelmaksupartnereid. Nüüdseks on meie enda
internetipangast saanud laenumahu lõikes suurim Inbanki müügikanal Lätis,”
ütles Andresoo.
Olulised finantsnäitajad seisuga 31. detsember 2017
-- Bilansimaht 126 miljonit eurot
-- Laenuportfelli suurus 92,9 miljonit eurot
-- Hoiuste maht 95,1 miljonit eurot
-- Puhaskasum 7,5 miljonit eurot
-- Omakapital 22 miljonit eurot
-- Omakapitali puhastootlikkus 44,1%
Lühendatud konsolideeritud kasumiaruanne ja muu koondkasumiaruanne
EURt
IV kv 12 kuud IV kv 12 kuud
2017 2017 2016 2016
--------------------------------------------------------------------------------
Intressitulu 3 645 13 023 2 886 9 788
Intressikulu -537 -2 009 -473 -1 404
--------------------------------------------------------------------------------
Neto intressitulu 3 108 11 014 2 413 8 384
--------------------------------------------------------------------------------
Teenustasutulu 153 551 119 394
Teenustasukulu -168 -607 -85 -334
--------------------------------------------------------------------------------
Neto teenustasutulu -15 -56 34 60
--------------------------------------------------------------------------------
Muud põhitegevusega seotud tulud 162 705 188 776
--------------------------------------------------------------------------------
Neto intressi- ja teenustasutulu ja muud 3 255 11 663 2 635 9 220
tulud kokku
--------------------------------------------------------------------------------
Personalikulud -1 089 -3 997 -682 -2 461
Turunduskulud -249 -929 -174 -566
Halduskulud -457 -1 602 -383 -1 014
Põhivara kulum -58 -215 -39 -174
------------------------------------------------------------- ----------
Tegevuskulud kokku -1 853 -6 743 -1 278 -4 215
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Kasum enne laenude allahindluse kulu 1 402 4 920 1 357 5 005
--------------------------------------------------------------------------------
Kasum sidusettevõtetelt 15 6 203 261 773
Laenude allahindluse kulu -877 -3 532 -716 -3 219
--------------------------------------------------------------------------------
Aruandeperioodi kasum enne tulumaksu 540 7 591 902 2 559
--------------------------------------------------------------------------------
Tulumaks -313 -92 34 57
Aruandeperioodi puhaskasum 227 7 499 936 2 616
--------------------------------------------------------------------------------
Muu koondkasum/-kahjum
Kirjed, mida võib edaspidi
klassifitseerida kasumiaruandesse
Realiseerumata kursivahed -44 -38 2 2
Aruandeperioodi koondkasum 183 7 461 938 2 618
--------------------------------------------------------------------------------
Puhaskasum omistatud
Emaettevõtte omanikud 225 7 496 934 2 646
Mittekontrolliv osalus 2 3 2 -30
Aruandeperioodi puhaskasum 227 7 499 936 2 616
--------------------------------------------------------------------------------
Kokku koondkasum omistatud
Emaettevõtte omanikud 181 7 458 937 2 649
Mittekontrolliv osalus 2 3 1 -31
--------------------------------------------------------------------------------
Aruandeperioodi koondkasum 183 7 461 938 2 618
--------------------------------------------------------------------------------
Lühendatud konsolideeritud finantsseisundi aruanne
EURt
31.12.2017 31.12.2016
---------------------------------------------------------------------------
Varad
Sularaha 4 4
Nõuded keskpangale, sh kohustuslik reservkapital 14 767 14 680
Nõuded krediidiasutustele 8 530 1 956
Laenud ja nõuded klientidele 92 895 64 839
Investeeringud sidusettevõtetesse 7 806 1
Materiaalsed varad 279 183
Immateriaalsed varad 816 902
Muud finantsvarad 61 43
Muud varad 459 214
Edasilükkunud tulumaksu vara 364 449
Müügiks hoitavad sidusettevõtted 0 1 672
---------------------------------------------------------------------------
Varad kokku 125 981 84 943
---------------------------------------------------------------------------
Kohustised
Klientide hoiused 95 056 64 587
Muud finantskohustised 1 263 1 034
Muud kohustised 1 136 722
Tulumaksu kohustis 0 321
Allutatud võlaväärtpaberid 6 480 6 475
---------------------------------------------------------------------------
Kohustised kokku 103 935 73 139
---------------------------------------------------------------------------
Omakapital
Aktsiakapital 782 689
Ülekurss 9 068 6 361
Kohustuslik reservkapital 79 57
Muud reservid 1 352 1 361
Jaotamata kasum 10 739 3 330
---------------------------------------------------------------------------
Emaettevõtte aktsionäridele kuuluv omakapital kokku 22 020 11 798
---------------------------------------------------------------------------
Mittekontrolliv osalus 26 6
---------------------------------------------------------------------------
Omakapital kokku 22 046 11 804
---------------------------------------------------------------------------
---------------------------------------------------------------------------
Kohustised ja omakapital kokku 125 981 84 943
---------------------------------------------------------------------------
Aastal 2015 pangana tegutsemist alustanud Inbank pakub teenuseid oma
internetipanga ja partnervõrgustiku kaudu. Inbank tegutseb Eesti, Läti ja Poola
tarbijafinantseerimise turul. Lisaks kaasatakse rahvusvahelisi hoiuseid
Saksamaa ja Austria turult.
Kristin Pihu
Inbank AS
Turundus- ja kommunikatsioonispetsialist
+327 5348 2436
[email protected]
Teate sisu inglise keeles
Pealkiri
Financial results of Inbank AS for Q4 2017
Teade
Inbank's consolidated profit in Q4 of 2017 was 183 thousand euros. The total
profit for 2017 was 7.5 million euros, which is 4.8 million euros more than
last year.
In Q4, Inbank’s profit was impacted the most by changes in Latvian Income Tax
Act, which required the write-off of the Latvian company’s income tax assets.
This resulted in an extraordinary loss in amount of 389 thousand euros.
In 2017, sales volumes for all bank products saw significant growth. Inbank’s
loan portfolio increased by 7.5% in Q4, reaching 92.9 million euros by the end
of the quarter. Over the year, the loan portfolio grew 43,3% per cent – 28.1
million euros in absolute terms.
Inbank’s deposits portfolio increased by 21.4% in Q4, reaching 95.1 million
euros by the end of the quarter. Over the year, the deposits portfolio grew
47.2 per cent – 30.5 million euros in absolute terms. The strong growth of the
portfolio was supported by a campaign held toward the end of the year, which
allowed customers to receive – immediately and tax-free – interest on deposits
opened before 2018.
According to the chairman of Inbank’s management board, Jan Andresoo, all of
the bank’s product lines in Estonia posted a good sales performance. “Overall
for the year, we were able to grow our hire-purchase volumes by 12.3 per cent
compared to last year, which is a very strong result given the maturity of the
product. Sales of loans grew a whopping 147.7 per cent compared to the previous
year.”
Inbank’s strong growth is also illustrated by statistics from the Bank of
Estonia. Among banks, Inbank is now second only to Swedbank as a provider of
consumer loans, holding a 26 percent share of the market for unsecured consumer
loans last year.
In Poland, Inbank started sales activity through a partner channel in Q4. “We
currently offer financing of monthly payments on insurance products for both
Rankomat and ASF customers. It’s a new and innovative solution on the Polish
market and could potentially become a very attractive market niche. A number of
interesting negotiations with potential new partners are now under way,” said
Andresoo.
In the last quarter, Inbank’s Latvian subsidiary showed a positive dynamic –
after a change of strategy, they have turned their business volumes toward
growth once again. “We have gained a number of new partners in the field of
hire-purchase. Our own online banking interface has become Inbank’s biggest
sales channel in Latvia in terms of loan volumes,” Andresoo said.
Key financial indicators as at 31 December 2017
-- Total assets 126 million euros
-- Loan portfolio 92.9 million euros
-- Deposits volume 95.1 million euros
-- Net profit 7.5 million euros
-- Equity 22 million euros
-- Net return on equity 44.1%
Condensed consolidated statement of profit and loss and other comprehensive
income
EURt
Q4 12 months Q4 12 months
2017 2017 2016 2016
--------------------------------------------------------------------------------
Continuing operations
Interest income 3 645 13 023 2 886 9 788
Interest expense -537 -2 009 -473 -1 404
--------------------------------------------------------------------------------
Net interest income 3 108 11 014 2 413 8 384
--------------------------------------------------------------------------------
Fee income 153 551 119 394
Fee expense -168 -607 -85 -334
--------------------------------------------------------------------------------
Net fee and commission income -15 -56 34 60
--------------------------------------------------------------------------------
Other operating income 162 705 188 776
--------------------------------------------------------------------------------
Total net interest, fee and other income 3 255 11 663 2 635 9 220
--------------------------------------------------------------------------------
Staff costs -1 089 -3 997 -682 -2 461
Marketing expenses -249 -929 -174 -566
Administrative expenses -457 -1 602 -383 -1 014
Depreciations, amortisation -58 -215 -39 -174
------------------------------------------------------------- -----------
Total operating expenses -1 853 -6 743 -1 278 -4 215
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Profit before impairment losses on loans 1 402 4 920 1 357 5 005
--------------------------------------------------------------------------------
Share of profit from affiliates 15 6 203 261 773
Impairment losses on loans -877 -3 532 -716 -3 219
--------------------------------------------------------------------------------
Profit before income tax 540 7 591 902 2 559
--------------------------------------------------------------------------------
Deferred income tax -313 -92 34 57
Net profit for the reporting period 227 7 499 936 2 616
--------------------------------------------------------------------------------
Other comprehensive income/loss
Items that may be reclassified
subsequently to profit or loss
Unrealised foreign exchange gains/losses -44 -38 2 2
Total comprehensive income for the 183 7 461 938 2 618
reporting period
--------------------------------------------------------------------------------
Profit is attributable to
Owners of the parent 225 7 496 934 2 646
Non-controlling interest 2 3 2 -30
Profit for the reporting period 227 7 499 936 2 616
--------------------------------------------------------------------------------
Total comprehensive income/loss is
attributable to
Owners of the parent 181 7 458 937 2 649
Non-controlling interest 2 3 1 -31
--------------------------------------------------------------------------------
Total comprehensive income for the 183 7 461 938 2 618
reporting period
--------------------------------------------------------------------------------
Condensed consolidated statement of financial position
EURt
31.12.2017 31.12.2016
--------------------------------------------------------------------------------
Assets
Cash in hand 4 4
Due from central banks, including mandatory reserve 14 767 14 680
Due from credit institutions 8 530 1 956
Loans to and receivables from customers 92 895 64 839
Investments in affiliates 7 806 1
Tangible assets 279 183
Intangible assets 816 902
Other financial assets 61 43
Other assets 459 214
Deferred tax assets 364 449
Assets held for sale 0 1 672
--------------------------------------------------------------------------------
Total assets 125 981 84 943
--------------------------------------------------------------------------------
Customer deposits 95 056 64 587
Other financial liabilities 1 263 1 034
Other liabilities 1 136 722
Income tax liability 0 321
Subordinated debt securities 6 480 6 475
--------------------------------------------------------------------------------
Total liabilities 103 935 73 139
--------------------------------------------------------------------------------
Equity
Share capital 782 689
Share premium 9 068 6 361
Statutory reserve capital 79 57
Other reserves 1 352 1 361
Retained earnings 10 739 3 330
--------------------------------------------------------------------------------
Total equity attributable to the shareholders of parent 22 020 11 798
company
--------------------------------------------------------------------------------
Non-controlling interest 26 6
--------------------------------------------------------------------------------
Total equity 22 046 11 804
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Total liabilities and equity 125 981 84 943
--------------------------------------------------------------------------------
Inbank, which started operating as a bank in 2015, offers services via its
internet bank and a partner network. Inbank operates on the consumer financing
markets of Estonia, Latvia and Poland. Inbank also receives international
deposits from the German and Austrian markets.
Kristin Pihu
Inbank AS
Marketing and Communication Specialist
+327 5348 2436
[email protected]