Börsiteade
AS Inbank
LEI kood
2138005M92IEIQVEL297
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
Sektor(id)
Krediidiasutus
Emitendi registreeritud asukoht
Eesti
Üldandmed
Kategooriad
Majandusaasta aruanne
Teate ID
6531
Manused
Esitamise kuupäev ja aeg
06.03.2018 11:05:45
Teate sisu eesti keeles
Pealkiri
Inbank AS-i auditeeritud 2017. aasta majandustulemused
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2017. aastal teenis Inbank 7,5 miljonit eurot kasumit, mis on võrreldes eelmise aastaga ligi kolm korda enam. Inbanki varade maht kasvas aastaga 48,3%. Möödunud aastal kasvatas Inbank hoiuseportfelli 47,2% võrra 95,1 miljoni euroni. Finantseerimisportfell suurenes samal ajal 43,3%, jõudes 92,9 miljoni euroni. Tarbijafinantseerimise turul on Inbank tõusnud Swedbanki järel suuruselt teiseks pangaks. Kokku müüs Inbank 2017. aastal krediiditooteid 72,8 miljoni euro eest, millest Eestis 80,8%, Lätis 11,4% ja Poolas 7,8%. Inbanki juhatuse esimehe Jan Andresoo sõnul on Inbanki kasvu vundamendiks selge strateegia ja fokuseeritud tegevus. “Partneritele suunatud lähenemise ja tehnoloogia arendamise abil oleme kasvanud Eestis eelistatumaks partneriks nii järelmaksu kui ka autolaenu valdkonnas. Geograafiline laienemine ja oma ärimudeli eksportimine tundub meie jaoks loogilisem valik kui laia tootevalikuga suurpankadega konkureerimine Eestis,” ütles Andresoo. Poolas alustas Inbank 2017. aasta neljandas kvartalis partneripõhise finantseerimise pakkumist, tuues turule kindlustustoodete kuumakse, mis on Poolas uus ja innovaatiline lahendus kindlustuse eest tasumiseks. “Näeme tootes suurt potentsiaali ja praegu käivad läbirääkimised mitme uue suure kindlustusseltsiga,” sõnas Andresoo. Lätis on Inbanki krediidiportfell tänu uuele tegevusstrateegiale kasvule pööranud. Andresoo sõnul saab Inbanki jõuline kasv edaspidi jätkuda rahvusvahelise äri arvelt. “Hetkel moodustab Eesti äri Inbanki laenuportfellist ligi 80 protsenti. Näeme Eestis kasvu jätkumist, kuid usume, et juba paari aasta pärast tuleb vähemalt pool meie portfellist rahvusvahelistelt turgudelt,” ütles Andresoo. 2017. aastal mõjutasid Inbanki kasumit mitmed ühekordsed tehingud. Inbank müüs senised sidusettevõtted Coop Finantsi ning Krediidipank Finantsi ja vähendas osalust veebipõhise isikutuvastusega tegelevas ettevõttes Veriff. Lisaks mõjutas Inbanki kasumit Lätis aset leidnud maksumuudatus, mille tõttu tuli bilansist välja kirjutada tulumaksuvara summas 389 tuhat eurot. Nende sündmuste kogumõju panga koondkasumile oli 4,8 miljonit eurot. Olulised finantsnäitajad seisuga 31. detsember 2017: * Bilansimaht 126,0 miljonit eurot * Laenuportfelli suurus 92,9 miljonit eurot * Hoiuste maht 95,1 miljonit eurot * Aasta puhaskasum 7,5 miljonit eurot * Omakapital 22,0 miljonit eurot Konsolideeritud kasumiaruanne ja muu koondkasumiaruanne EURt 2017 2016 --------------------------------------------------------------------------- Intressitulu 13 023 9 788 Intressikulu -2 009 -1 404 --------------------------------------------------------------------------- Neto intressitulu 11 014 8 384 --------------------------------------------------------------------------- Teenustasutulu 551 394 Teenustasukulu -607 -334 --------------------------------------------------------------------------- Neto teenustasutulu -56 60 --------------------------------------------------------------------------- Muud põhitegevusega seotud tulud 705 776 --------------------------------------------------------------------------- Neto intressi- ja teenustasutulu ja muud tulud kokku 11 663 9 220 --------------------------------------------------------------------------- Personalikulud -3 997 -2 461 Turunduskulud -929 -566 Halduskulud -1 602 -1 014 Põhivara kulum -215 -174 --------------------------------------------------------------------------- Tegevuskulud kokku -6 743 -4 215 --------------------------------------------------------------------------- --------------------------------------------------------------------------- Kasum enne laenude allahindluse kulu 4 920 5 005 --------------------------------------------------------------------------- Kasum sidusettevõtetelt 6 203 773 Laenude allahindluse kulu -3 532 -3 219 --------------------------------------------------------------------------- Aruandeperioodi kasum enne tulumaksu 7 591 2 559 --------------------------------------------------------------------------- Tulumaks -92 57 --------------------------------------------------------------------------- Aruandeperioodi puhaskasum 7 499 2 616 --------------------------------------------------------------------------- Muu koondkasum/-kahjum Kirjed, mida võib edaspidi klassifitseerida kasumiaruandesse Realiseerumata kursivahed -38 2 --------------------------------------------------------------------------- Aruandeperioodi koondkasum 7 461 2 618 --------------------------------------------------------------------------- Puhaskasum omistatud Emaettevõtte aktsionäride osa kasumist 7 496 2 646 Mittekontrolliv osalus 3 -30 --------------------------------------------------------------------------- Aruandeperioodi puhaskasum 7 499 2 616 --------------------------------------------------------------------------- Kokku koondkasum omistatud Emaettevõtte aktsionäride osa kasumist 7 458 2 649 Mittekontrolliv osalus 3 -31 --------------------------------------------------------------------------- Aruandeperioodi koondkasum 7 461 2 618 --------------------------------------------------------------------------- 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 -------------------------------------------------------------------------- 2015. aastal pangana tegutsemist alustanud Inbank pakub teenuseid oma internetipanga ja suure partnervõrgustiku kaudu. Inbank tegutseb Eesti, Läti ja Poola tarbijafinantseerimise turul. Lisaks kaasatakse rahvusvahelisi hoiuseid Saksamaa ja Austria turult. Inbankil on kolmes riigis ligi 170 tuhat klienti. Lisainfo: Jan Andresoo juhatuse esimees +372 508 4184 [email protected] Inbanki konsolideeritud aruanne 2017
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Audited financial results of Inbank AS for 2017
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The profit earned by Inbank in 2017 amounted to 7.5 million euros, which is almost three times more than in the previous year. The consolidated assets of Inbank grew by 48.3% over the year. Last year, Inbank increased its deposit portfolio by 47.2% to 95.1 million euros. The financing portfolio increased by 43.3% at the same time and amounted to 92.9 million euros. On the consumer financing market, Inbank has risen to second place after Swedbank. In total, Inbank sold credit products for 72.8 million euros in three countries in 2017 – 80.8% in Estonia, 11.4% in Latvia and 7.8% in Poland. According to Inbank CEO Jan Andresoo, the growth of Inbank is based on a clear strategy and focused activities. “An approach aimed at our partners and developing technology has helped us grow into the most preferred partner in the area of hire-purchase and car loans,” he said. “Spreading our operations geographically and exporting our business model makes more sense to us than competing with large banks that offer a variety of different services in Estonia." According to Andresoo, the bank’s strong growth can continue on the account of international business. “Inbank’s business in Estonia currently comprises approximately 80% of our loan portfolio,” he said. “We can see the growth continuing in Estonia, but believe that in a couple of years, at least half of our portfolio will already come from international markets.” Several one-off transactions had an impact on Inbank’s profit in 2017. The bank sold its former affiliates Coop Finants and Krediidipank Finants and considerably reduced its holding in the online identity verification company Veriff in 2017. In addition, Inbank’s profit was affected by a changed tax legislation in Latvia, which resulted in the need to write off income tax asset in amount of 389 thousand euros. The total impact of these events on the consolidated profit was 4.8 million euros. Significant financial indicators as of 31 December 2017: * Balance sheet total 126.0 million euros * Loan portfolio 92.9 million euros * Deposits 95.1 million euros * Net profit for the year 7.5 million euros * Equity 22.0 million euros Consolidated statement of profit or loss and other comprehensive income EURt 2017 2016 ---------------------------------------------------------------------------- Interest income 13 023 9 788 Interest expense -2 009 -1 404 ---------------------------------------------------------------------------- Net interest income 11 014 8 384 ---------------------------------------------------------------------------- Fee income 551 394 Fee expense -607 -334 ---------------------------------------------------------------------------- Net fee and commission income -56 60 ---------------------------------------------------------------------------- Other operating income 705 776 ---------------------------------------------------------------------------- Total net interest, fee and other income 11 663 9 220 ---------------------------------------------------------------------------- Personnel expenses -3 997 -2 461 Marketing expenses -929 -566 Administrative expenses -1 602 -1 014 Depreciation, amortisation -215 -174 ---------------------------------------------------------------------------- Total operating expenses -6 743 -4 215 ---------------------------------------------------------------------------- ---------------------------------------------------------------------------- Profit before impairment losses on loans and advances 4 920 5 005 ---------------------------------------------------------------------------- Share of profit of associates 6 203 773 Impairment losses on loans and advances -3 532 -3 219 ---------------------------------------------------------------------------- Profit before income tax 7 591 2 559 ---------------------------------------------------------------------------- Income tax -92 57 ---------------------------------------------------------------------------- Profit for the period 7 499 2 616 ---------------------------------------------------------------------------- Other comprehensive income/loss Items that may be subsequently reclassified to profit or loss Currency translation differences -38 2 ---------------------------------------------------------------------------- Total comprehensive income for the period 7 461 2 618 ---------------------------------------------------------------------------- Net profit attributable to: Shareholders of parent company 7 496 2 646 Non-controlling interest 3 -30 ---------------------------------------------------------------------------- Profit for the reporting period 7 499 2 616 ---------------------------------------------------------------------------- Total comprehensive income/loss attributable to: Shareholders of parent company 7 458 2 649 Non-controlling interest 3 -31 ---------------------------------------------------------------------------- Total comprehensive income for the reporting period 7 461 2 618 ---------------------------------------------------------------------------- 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 and advances to customers 92 895 64 839 Investments in associates 7 806 1 Tangible assets 279 183 Intangible assets 816 902 Other financial assets 61 43 Other assets 459 214 Deferred tax asset 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 company 22 020 11 798 ------------------------------------------------------------------------------- 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 large 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. Inbank and its subsidiaries have ca 170 thousand clients in three countries. Further information: Jan Andresoo Chairman of Management Board +372 508 4184 [email protected] Inbanki konsolideeritud aruanne 2017 The English version of the report will be published tomorrow, 7 March 2018.