Börsiteade
AS Inbank
LEI kood
2138005M92IEIQVEL297
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
Sektor(id)
Krediidiasutus
Emitendi registreeritud asukoht
Eesti
Üldandmed
Kategooriad
Poolaastaaruanne
Teate ID
7136
Manused
Esitamise kuupäev ja aeg
28.02.2019 08:55:00
Teate sisu eesti keeles
Pealkiri
Inbank AS-i 2018. aasta neljanda kvartali majandustulemused
Teade
Inbanki möödunud aasta neljanda kvartali kasum oli 3,1 miljonit eurot ja aasta kasum 9,3 miljonit eurot. Panga laenuportfelli maht oli aasta lõpu seisuga 225,6 miljonit ja hoiuste maht 240,2 miljonit eurot. Võrreldes aasta varasemaga näitas Inbank kasvu nii neljandas kvartalis kui ka 12 kuu kokkuvõttes kõigis peamistes ärisegmentides. Grupi laenuportfell kasvas kvartaliga 13,1% ja aastaga 142,9% ning hoiuste maht vastavalt 28,3% ja 152,7%. "Möödunud aasta viimases kvartalis oli Inbanki müügimaht kokku 59,3 miljonit eurot ning eriti tugev oli grupi müük detsembris, mil krediiditoodete müük ületas 20,6 miljoni euroga esmakordselt 20 miljoni piiri," ütles Inbanki juhatuse esimees Jan Andresoo. "Aastases arvestuses kasvatasime krediiditoodete müüki 61,6% 202,2 miljoni euroni," sõnas Andresoo. Andresoo sõnul näitas Inbank kasvu kõigil oma põhiturgudel. Eestis oli aastane kasv 22,2% (kogumüük 71,9 miljonit), Lätis 257,1% (42,3 miljonit), Leedus 55,3% (75,9 miljonit) ning Poolas 115,9% (12,2) miljonit. "Samaaegselt kasvavate müüginumbritega parandasime oma krediidikvaliteeti ning suurendasime ärimahtudega sarnases tempos hoiuseportfelli," märkis Andresoo. "Paranenud kuluefektiivsus ja kasvust tulenev mastaabiefekt lõid omakorda eelduse meie headele kasuminäitajatele - aasta kokkuvõttes kasvas Inbanki kasum veerandi võrra ehk 9,3 miljoni euroni," sõnas Andresoo. Andresoo sõnul sõlmis Inbank neljandas kvartalis mitmeid uusi ja märgilisi partnerluslepinguid. "Alustasime koostööd mitmete suurte partneritega Baltimaades ja Poolas, näiteks sõlmisime Kesko Senukai grupiga ülebaltilise kokkuleppe, pakkumaks järelmaksu Senukai ja K-Rauta kauplustes ning 1A internetikaubamajades," ütles Andresoo. Inbanki olulised finantsnäitajad seisuga 31. detsember 2018 * Bilansimaht - 318,0 miljonit eurot * Laenuportfell - 225,6 miljonit eurot * Hoiuste maht - 240,2 miljonit eurot * Kasum 9,3 miljonit eurot * Omakapital 36,4 miljonit eurot * Omakapitali puhastootlikkus 31,9% Konsolideeritud kasumiaruanne ja muu koondkasumiaruanne EURt IV kv 2018 2018 IV kv 2017 2017 ------------------------------------------------------------------------------- Intressitulu 7 848 23 633 3 645 13 023 Intressikulu -1 211 -3 760 -537 -2 009 ------------------------------------------------------------------------------- Neto intressitulu 6 637 19 873 3 108 11 014 ------------------------------------------------------------------------------- Teenustasutulu 180 703 153 551 Teenustasukulu -371 -1 091 -168 -607 ------------------------------------------------------------------------------- Neto teenustasutulu -191 -388 -15 -56 ------------------------------------------------------------------------------- Netotulem õiglases väärtuses kajastatavatelt finantsvaradelt 0 1 204 0 0 Muud põhitegevusega seotud tulud 214 666 162 705 ------------------------------------------------------------------------------- Neto intressi- ja teenustasutulu ja muud tulud kokku 6 660 21 355 3 255 11 663 ------------------------------------------------------------------------------- Personalikulud -1 761 -5 795 -1 089 -3 997 Turunduskulud -647 -1 592 -249 -929 Halduskulud -982 -2 814 -457 -1 602 Põhivara kulum -161 -445 -58 -215 ------------------------------------------------------------------------------- Tegevuskulud kokku -3 551 -10 646 -1 853 -6 743 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Kasum enne sidusettevõtete kasumit ja laenude allahindluse kulu 3 109 10 709 1 402 4 920 ------------------------------------------------------------------------------- Kasum sidusettevõtetelt 0 1 986 15 6 203 Laenude allahindluse kulu 401 -2 686 -877 -3 532 ------------------------------------------------------------------------------- Aruandeperioodi kasum enne tulumaksu 3 510 10 009 540 7 591 ------------------------------------------------------------------------------- Tulumaks -459 -733 -313 -92 ------------------------------------------------------------------------------- Aruandeperioodi puhaskasum 3 051 9 276 227 7 499 ------------------------------------------------------------------------------- Muu koondkasum/-kahjum Kirjed, mida võib edaspidi klassifitseerida kasumiaruandesse Realiseerumata kursivahed 21 73 -44 -38 ------------------------------------------------------------------------------- Aruandeperioodi koondkasum 3 072 9 349 183 7 461 ------------------------------------------------------------------------------- Puhaskasum omistatud Emaettevõtte aktsionäride osa kasumist 3 048 9 262 225 7 496 Mittekontrolliv osalus 3 14 2 3 ------------------------------------------------------------------------------- Aruandeperioodi puhaskasum 3 051 9 276 227 7 499 ------------------------------------------------------------------------------- Kokku koondkasum omistatud Emaettevõtte aktsionäride osa kasumist 3 069 9 335 181 7 458 Mittekontrolliv osalus 3 14 2 3 ------------------------------------------------------------------------------- Aruandeperioodi koondkasum 3 072 9 349 183 7 461 ------------------------------------------------------------------------------- Konsolideeritud finantsseisundi aruanne EURt 31.12.2018 31.12.2017 ------------------------------------------------------------------------------- Varad Sularaha 4 4 Nõuded keskpankadele 64 620 14 767 Nõuded krediidiasutustele 13 700 8 530 Finantsvarad õiglases väärtuses muutustega läbi kasumiaruande 4 600 0 Laenud ja nõuded 225 639 92 895 Investeeringud sidusettevõtetesse 97 7 806 Materiaalsed varad 545 279 Immateriaalsed varad 7 697 816 Muud finantsvarad 64 61 Muud varad 514 459 Edasilükkunud tulumaksu vara 564 364 ------------------------------------------------------------------------------- Varad kokku 318 044 125 981 ------------------------------------------------------------------------------- Kohustised Laen krediidiasutustelt 10 429 0 Klientide hoiused 240 175 95 056 Muud finantskohustised 8 776 1 263 Muud kohustised 2 654 1 136 Emiteeritud võlaväärtpaberid 10 017 0 Allutatud võlaväärtpaberid 9 528 6 480 ------------------------------------------------------------------------------- Kohustised kokku 281 579 103 935 ------------------------------------------------------------------------------- Omakapital Aktsiakapital 874 782 Ülekurss 15 053 9 068 Kohustuslik reservkapital 79 79 Muud reservid 1 401 1 352 Jaotamata kasum 19 018 10 739 ------------------------------------------------------------------------------- Emaettevõtte aktsionäridele kuuluv omakapital kokku 36 425 22 020 ------------------------------------------------------------------------------- Mittekontrolliv osalus 40 26 ------------------------------------------------------------------------------- Omakapital kokku 36 465 22 046 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Kohustised ja omakapital kokku 318 044 125 981 ------------------------------------------------------------------------------- Aastal 2015 pangana tegutsemist alustanud Inbank pakub teenuseid oma internetipanga ja partnervõrgustiku kaudu. Inbank tegutseb Eesti, Läti, Leedu ja Poola tarbijafinantseerimise turul. Lisaks kaasatakse rahvusvahelisi hoiuseid Saksamaa ja Austria turult. Lisainfo: Jan Andresoo Inbank AS juhatuse esimees +372 50 84 184 [email protected] (https://www.globenewswire.com/Tracker?data=mNtPqLipJOHMqMU89Si2T8f4jxQKZ7hyi1Vk ITKgjEkff78zYuf5AKenWNcIDkvrmfKNHWEeeA8ItojrhVMfRadS-XPzUPKBOdnwpRDL22k=) Manus * Inbanki vahearuanne 4Q2018 (https://ml- eu.globenewswire.com/Resource/Download/bd04eff5-e893-4c33-97d5-f515d17dbc57)
Teate sisu inglise keeles
Pealkiri
Financial results of Inbank AS for Q4 2018
Teade
In the fourth quarter of last year, the profit of Inbank amounted to 3.1 million euros, while the annual profit was 9.3 million euros. The volume of loan portfolio was 225.6 million euros and the volume of deposits was 240.2 million euros as at the end of the year. In comparison with the year before, Inbank demonstrated growth in all primary business segments in the fourth quarter as well as over 12 months in total. The loan portfolio of the group increased by 13.1% per quarter and by 142.9% per year, while the volume of deposits grew by 28.3% and 152.7% respectively. "The sales volume of Inbank was 59.3 million euros in the last quarter of the year and sales were especially strong in December, during which the sales of credit products exceeded the 20 million level for the first time, reaching 20.6 million euros," said Jan Andresoo, Chairman of the Management Board of Inbank. "We increased the sales of credit products by 61.6%, reaching 202.2 million euros on an annual basis," said Andresoo. According to Andresoo, Inbank exhibited growth on all its markets. The annual growth was 22.2% in Estonia (total sales 71.9 million), 257.1% in Latvia (42.3 million), 55.3% in Lithuania (75.9 million) and 115.9% in Poland (12.2 million). "We also improved our credit quality and grew our deposit portfolio simultaneously with our growing sales figures," noted Andresoo. "In turn, the scale effect arising from improved cost-efficiency and the growing business volume created preconditions for our excellent profit figures - the annual profit of Inbank grew by a quarter during the course of the year, reaching 9.3 million euros," said Andresoo. Andresoo also noted that Inbank entered into several new and significant partnership agreements in the fourth quarter. "We began cooperation with various major partners in the Baltics and in Poland. For instance, we made a pan-Baltic agreement with the Kesko Senukai Group in order to offer hire purchase products in Senukai and K-Rauta shops and 1A web shops," said Andresoo. Key financial figures of Inbank as at 31 December 2018 * Balance sheet - 318.0 million euros * Loan portfolio - 225.6 million euros * Volume of deposits - 240.2 million euros * Profit 9.3 million euros * Equity 36.4 million euros * Net yield of equity 31.9% Consolidated statement of profit and loss and other comprehensive income EURt Q4 2018 2018 Q4 2017 2017 ------------------------------------------------------------------------------- Interest income 7 848 23 633 3 645 13 023 Interest expense -1 211 -3 760 -537 -2 009 ------------------------------------------------------------------------------- Net interest income 6 637 19 873 3 108 11 014 ------------------------------------------------------------------------------- Fee income 180 703 153 551 Fee expense -371 -1 091 -168 -607 ------------------------------------------------------------------------------- Net fee and commission income -191 -388 -15 -56 ------------------------------------------------------------------------------- Net gains from financial assets measured at fair value 0 1 204 0 0 Other operating income 214 666 162 705 ------------------------------------------------------------------------------- Total net interest, fee and other income 6 660 21 355 3 255 11 663 ------------------------------------------------------------------------------- Personnel expenses -1 761 -5 795 -1 089 -3 997 Marketing expenses -647 -1 592 -249 -929 Administrative expenses -982 -2 814 -457 -1 602 Depreciations, amortisation -161 -445 -58 -215 ------------------------------------------------------------------------------- Total operating expenses -3 551 -10 646 -1 853 -6 743 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Profit before share of profit from associates and impairment losses on loans 3 109 10 709 1 402 4 920 ------------------------------------------------------------------------------- Share of profit from associates 0 1 986 15 6 203 Impairment losses on loans and advances 401 -2 686 -877 -3 532 ------------------------------------------------------------------------------- Profit before income tax 3 510 10 009 540 7 591 ------------------------------------------------------------------------------- Income tax -459 -733 -313 -92 ------------------------------------------------------------------------------- Profit for the period 3 051 9 276 227 7 499 ------------------------------------------------------------------------------- Other comprehensive income/loss Items that may be reclassified subsequently to profit or loss Unrealised foreign exchange gains/losses 21 73 -44 -38 ------------------------------------------------------------------------------- Total comprehensive income for the period 3 072 9 349 183 7 461 ------------------------------------------------------------------------------- Profit is attributable to Owners of the parent 3 048 9 262 225 7 496 Non-controlling interest 3 14 2 3 ------------------------------------------------------------------------------- Profit for the reporting period 3 051 9 276 227 7 499 ------------------------------------------------------------------------------- Total comprehensive income/loss is attributable to Owners of the parent 3 069 9 335 181 7 458 Non-controlling interest 3 14 2 3 ------------------------------------------------------------------------------- Total comprehensive income for the reporting period 3 072 9 349 183 7 461 ------------------------------------------------------------------------------- Consolidated statement of financial position EURt 31.12.2018 31.12.2017 ------------------------------------------------------------------------------- Assets Cash in hand 4 4 Due from central banks 64 620 14 767 Due from credit institutions 13 700 8 530 Financial assets at fair value through profit and loss 4 600 0 Loans and advances 225 639 92 895 Investments in associates 97 7 806 Tangible assets 545 279 Intangible assets 7 697 816 Other financial assets 64 61 Other assets 514 459 Deferred tax asset 564 364 ------------------------------------------------------------------------------- Total assets 318 044 125 981 ------------------------------------------------------------------------------- Liabilities Loan from credit institutions 10 429 0 Customer deposits 240 175 95 056 Other financial liabilities 8 776 1 263 Other liabilities 2 654 1 136 Debt securities issued 10 017 0 Subordinated debt securities 9 528 6 480 ------------------------------------------------------------------------------- Total liabilities 281 579 103 935 ------------------------------------------------------------------------------- Equity Share capital 874 782 Share premium 15 053 9 068 Statutory reserve capital 79 79 Other reserves 1 401 1 352 Retained earnings 19 018 10 739 ------------------------------------------------------------------------------- Total equity attributable to the shareholders of parent company 36 425 22 020 ------------------------------------------------------------------------------- Non-controlling interest 40 26 ------------------------------------------------------------------------------- Total equity 36 465 22 046 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Total liabilities and equity 318 044 125 981 ------------------------------------------------------------------------------- The Estonian version of the interim report is attached to this announcement. The English version will be published via a stock announcement on 1 March 2019. Inbank started its banking activities in 2015 and provides its services through its internet bank and partner network. Inbank is active in Estonian, Latvian, Lithuanian and Polish consumer financing markets. In addition, international deposits are gathered from German and Austrian markets. Additional information: Jan Andresoo Inbank AS Chairman of the Management Board +372 50 84 184 [email protected] (https://www.globenewswire.com/Tracker?data=mNtPqLipJOHMqMU89Si2T8f4jxQKZ7hyi1Vk ITKgjEkff78zYuf5AKenWNcIDkvrmfKNHWEeeA8ItojrhVMfRadS-XPzUPKBOdnwpRDL22k=) Attachment * Inbanki vahearuanne 4Q2018 (https://ml- eu.globenewswire.com/Resource/Download/10b922aa-28d3-41d4-b4af-d8a018b4a907)