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
7428
Manused
Esitamise kuupäev ja aeg
06.08.2019 07:55:00
Teate sisu eesti keeles
Pealkiri
Inbank AS-i 2019. aasta teise kvartali majandustulemused
Teade
Inbanki 2019. aasta teise kvartali koondkasum oli 2,27 miljonit eurot ning esimese kuue kuu koondkasum oli 4,29 miljon eurot. Inbank jätkas 2019. aasta esimesel poolel tugevat kasvu kõigil neljal koduturul, kasvatades kuue kuu kokkuvõttes krediiditoodete müüki kokku 49 protsenti. Pea poole sellest kasvust moodustas laenumüük Poola turul, mis parandas oma tulemust aasta taguse perioodiga ligi 7 korda. Grupi laenuportfell kasvas aastaga 54,7 protsenti 275,6 miljoni euroni ning hoiuseportfell 71,3 protsenti 272,8 miljoni euroni. Inbanki esimese poolaasta krediiditoodete müügist andis Eesti üksus 45,7 miljonit, Leedu 43,3 miljonit, Läti 24,2 miljonit ja Poola 20,6 miljonit eurot. Võrreldes aasta varasemaga kasvas müük Poolas 588 protsenti, Eestis oli müügikasv 37, Lätis 32 ja Leedus 23 protsenti. ?Poolaasta ja teise kvartali tugevad mu?u?gitulemused koos kasvuga kõigil koduturgudel vastasid igati ootustele. Võrreldes eelmise aasta samade kuudega on müük kasvanud ligi 50% ning eriti hea meel on meil Poola filiaali üle," kommenteeris Inbanki juhatuse esimees Jan Andresoo. ?Need tulemused kajastavad positiivset ja efektiivset du?naamikat, mille suunas oleme juba mõnda aega töötanud." Inbanki teise kvartali koondkasum oli 2,27 miljonit ning kuue kuu lõikes ligi 4,29 miljonit eurot. Mullu teises kvartalis oli koondkasum 0,88 miljonit ning esimesel poolaastal 4,79 miljonit eurot. ?Siinkohal on oluline a?ra mainida tulemusi mõjutanud u?hekordsed su?ndmused, nagu näiteks Coop Panga aktsiate u?mberhindamine 0,3 miljoni euro väärtuses ja 0,3 miljoni euro väärtuses eelmistele perioodidele omistatava edasilükkunud tulumaksu vara arvele võtmine," märkis Andresoo. Esimese poolaasta olulisimate arengutena tõi Andresoo välja tootearendused ja -uuendused ning kõrge potentsiaaliga koostöö Poola makselahenduste pakkujaga PayU. ?Meie tootearenduse missiooniks on kaubanduse lihtsustamine ja partnerite müügikasvu toetamine ning töötame kogu meeskonnaga selle nimel, et juba aasta lõpus uusi lahendusi turule tuua," lausus Andresoo. ?Teiseks märkimisväärseks sammuks on koostöö algus e-makselahenduste pakkujaga PayU, mille abil muutusid meie teenused kättesaadavaks tuhandetele e-poodidele 40 miljoni tarbijaga Poola turul." Andresoo tõi olulise arendustegevusena välja ka jätkuvad ettevalmistused filiaali avamiseks Leedus, sh on Inbank esitanud Eesti Finantsinspektsioonile selleks vajaliku dokumentatsiooni. ?Mullu sisenesime Leetu Mokilizingase omandamisega ning nu?u?d valmistume ja?rgmise sammuna Inbanki lansseerimiseks. Leetu laienemine avab meile veel u?he hoiuste kaasamise turu ja aitab tagada Inbanki finantseerimiskanalite mitmekesisust," märkis Jan Andresoo. Inbank võttis II kvartalis vastu ka strateegilise otsuse müüa oma 7,94 protsendiline osalus Coop Pank AS-is, millest saadavad vahendid investeerib Inbank rahvusvahelisse kasvu. Inbanki olulisemad finantsnäitajad seisuga 30. juuni 2019: · Bilansimaht 338,2 miljonit eurot · Laenuportfell 275,6 miljonit eurot · Hoiuste maht 272,8 miljonit eurot · Koondkasum 4,29 miljonit eurot · Omakapital 40,66 miljonit eurot · Omakapitali puhastootlikkus 22,5% Lühendatud konsolideeritud kasumiaruanne ja muu koondkasumiaruanne EURt II kv 2019 6 kuud 2019 II kv 2018 6 kuud 2018 ------------------------------------------------------------------------------ Intressitulu 8,974 17,129 4,909 8,706 Intressikulu -1,396 -2,786 -827 -1,398 ------------------------------------------------------------------------------ Neto intressitulu 7,578 14,343 4,082 7,308 ------------------------------------------------------------------------------ Teenustasutulu 228 432 174 335 Teenustasukulu -427 -802 -196 -350 ------------------------------------------------------------------------------ Neto teenustasutulu -199 -370 -22 -15 ------------------------------------------------------------------------------ Netotulem õiglases väärtuses kajastatavatelt finantsvaradelt 266 266 0 1,204 Muud põhitegevusega seotud tulud 308 553 91 175 ------------------------------------------------------------------------------ Neto intressi- ja teenustasutulu ja muud tulud kokku 7,953 14,792 4,151 8,672 ------------------------------------------------------------------------------ Personalikulud -2,041 -3,897 -1,314 -2,525 Turunduskulud -778 -1,169 -345 -471 Halduskulud -931 -1,730 -566 -1,032 Põhivara kulum -302 -579 -93 -160 ------------------------------------------------------------------------------ Tegevuskulud kokku -4,052 -7,375 -2,318 -4,188 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ Kasum enne sidusettevõtete kasumit ja laenude allahindluse kulu 3,901 7,417 1,833 4,484 ------------------------------------------------------------------------------ Kasum sidusettevõtetelt 0 0 0 1,986 Laenude allahindluse kulu -1,752 -2,947 -987 -1,839 ------------------------------------------------------------------------------ Aruandeperioodi kasum enne tulumaksu 2,149 4,470 846 4,631 ------------------------------------------------------------------------------ Tulumaks 174 -125 -55 48 ------------------------------------------------------------------------------ Aruandeperioodi puhaskasum 2,323 4,345 791 4,679 ------------------------------------------------------------------------------ Muu koondkasum/-kahjum Kirjed, mida võib edaspidi klassifitseerida kasumiaruandesse Realiseerumata kursivahed -50 -51 90 110 ------------------------------------------------------------------------------ Aruandeperioodi koondkasum 2,273 4,294 881 4,789 ------------------------------------------------------------------------------ Puhaskasum omistatud Emaettevõtte aktsionäride osa kasumist 2,323 4,345 788 4,673 Mittekontrolliv osalus 0 0 3 6 ------------------------------------------------------------------------------ Aruandeperioodi puhaskasum 2,323 4,345 791 4,679 ------------------------------------------------------------------------------ Kokku koondkasum omistatud Emaettevõtte aktsionäride osa kasumist 2,273 4,294 878 4,783 Mittekontrolliv osalus 0 0 3 6 ------------------------------------------------------------------------------ Aruandeperioodi koondkasum 2,273 4,294 881 4,789 ------------------------------------------------------------------------------ Lühendatud konsolideeritud finantsseisundi aruanne EURt 30.06.2019 31.12.2018 ------------------------------------------------------------------------------- Varad Sularaha 4 4 Nõuded keskpankadele 25,402 64,620 Nõuded krediidiasutustele 19,458 13,700 Finantsvarad õiglases väärtuses muutustega läbi kasumiaruande 5,187 4,600 Laenud ja nõuded 275,582 225,639 Investeeringud sidusettevõtetesse 97 97 Materiaalsed varad 672 545 Vara kasutusõigus 862 0 Immateriaalsed varad 9,138 7,697 Muud finantsvarad 72 64 Muud varad 511 514 Edasilükkunud tulumaksu vara 1,235 564 ------------------------------------------------------------------------------- Varad kokku 338,220 318,044 ------------------------------------------------------------------------------- Kohustised Laen krediidiasutuselt 0 10,429 Klientide hoiused 272,839 240,175 Muud finantskohustised 9,020 8,776 Muud kohustised 2,146 2,654 Emiteeritud võlaväärtpaberid 4,009 10,017 Allutatud võlaväärtpaberid 9,543 9,528 ------------------------------------------------------------------------------- Kohustised kokku 297,557 281,579 ------------------------------------------------------------------------------- Omakapital Aktsiakapital 874 874 Ülekurss 15,053 15,053 Kohustuslik reservkapital 88 79 Muud reservid 1,373 1,401 Jaotamata kasum 23,275 19,018 ------------------------------------------------------------------------------- Emaettevõtte aktsionäridele kuuluv omakapital kokku 40,663 36,425 ------------------------------------------------------------------------------- Mittekontrolliv osalus 0 40 ------------------------------------------------------------------------------- Omakapital kokku 40,663 36,465 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Kohustised ja omakapital kokku 338,220 318,044 ------------------------------------------------------------------------------- Inbank on tarbimisfinantseerimisele keskendunud digitaalne pank, mis lisaks tegutsemisele Balti riikides ja Poolas kaasab hoiuseid ka Saksamaal, Austrias ja Hollandis. Inbankil on enam kui 1 500 aktiivset koostööpartnerit ning 500 000 aktiivset kliendilepingut. Inbanki võlakirjad on noteeritud Nasdaq Tallinna börsi Balti võlakirjade nimekirjas. Lisainfo: Kärri Brewster-Palts Inbank AS Grupi turundusjuht [email protected] 00372 5565 5500
Teate sisu inglise keeles
Pealkiri
Financial Results of Inbank AS for Q2 2019
Teade
Inbank announces Q2 2019 comprehensive income of 2.27 EURm and H1 2019 comprehensive income of 4.29 EURm. Inbank continued on a strong growth trajectory across all four of its home markets in H1 2019 with credit product sales increasing by 49%. Poland, with its nearly 7x growth contributed by almost half towards Inbank's total growth. The group loan portfolio increased by 54.7%, reaching 275.6 EURm and the deposit portfolio by 71.3% to 272.8 EURm. Estonia contributed 45.7 EURm to the group credit product sales, Lithuania, Latvia and Poland respectively 43.3 EURm, 24.2 EURm and 20.6 EURm. Year-on-year sales growth in Poland was 588%, 37% in Estonia, 32% in Latvia and 23% in Lithuania. Commenting on the positive results, Inbank CEO Jan Andresoo said, 'The strong results of Q2 and H1 reflected our expectations. Compared to the same period a year ago, the sales growth is nearly 50% and we are particularly pleased with the performance in Poland. These results are indicative of the positive and effective dynamics we have been working towards for a while now.' Inbank's Q2 and H1 2019 comprehensive income was, respectively, 2.27 EURm and 4.29 EURm. The 2018 results were 0.88 EURm and 4.79 EURm. 'It should be noted that the numbers have been affected by one-off events such as the revaluation of Coop Pank shares in the amount of 0.3 EURm and the effect of recognized deferred tax asset attributable to previous periods in the amount of 0.3 EURm,' said Andresoo. The most significant focus points of H1 highlighted by Andresoo were product development and innovation in addition to the highly promising partnership with payment services facilitator PayU in Poland. He added that the main focus of Inbank's product development continues to be simplifying commerce and helping Inbank's partners sell more. The whole organisation is dedicated to being able to introduce some new solutions as early as at the end of this year. 'The other notable development, our partnership with PayU, has ensured that our services are now available to 40 million Polish consumers via thousands of e-commerce merchants,' he added. Andresoo also highlighted the ongoing brand launch preparations in Lithuania as a key development, adding that all relevant information has been shared with the Estonian FSA. 'We acquired Mokilizingas last year and established ourselves in the Lithuanian market. Preparations for phase two - launching the Inbank brand- are now under way. This step gives us an additional market for acquiring deposits and diversifying our financing channels,' said Andresoo. Q2 also saw Inbank make a strategic decision to commence with the sales process of its 7.94% stake in Coop Pank AS - Inbank plans to invest this capital in its international growth and development. Key financial indicators (30th of June 2019): · Balance Sheet 338.2EURm · Loan Portfolio 275.6EURm · Deposit Portfolio 272.8EURm · Comprehensive Income 4.29EURm · Total Equity 40.66EURm · Return on Equity 22.5% Condensed consolidated statement of profit and loss and other comprehensive income EURt Q2 2019 H1 2019 Q2 2018 H1 2018 ------------------------------------------------------------------------------ Interest income 8,974 17,129 4,909 8,706 Interest expense -1,396 -2,786 -827 -1,398 ------------------------------------------------------------------------------ Net interest income 7,578 14,343 4,082 7,308 ------------------------------------------------------------------------------ Fee income 228 432 174 335 Fee expense -427 -802 -196 -350 ------------------------------------------------------------------------------ Net fee and commission income -199 -370 -22 -15 ------------------------------------------------------------------------------ Net gains from financial assets measured at fair value 266 266 0 1,204 Other operating income 308 553 91 175 ------------------------------------------------------------------------------ Total net interest, fee and other income 7,953 14,792 4,151 8,672 ------------------------------------------------------------------------------ Personnel expenses -2,041 -3,897 -1,314 -2,525 Marketing expenses -778 -1,169 -345 -471 Administrative expenses -931 -1,730 -566 -1,032 Depreciations, amortisation -302 -579 -93 -160 ------------------------------------------------------------------------------ Total operating expenses -4,052 -7,375 -2,318 -4,188 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ Profit before profit from associates and impairment losses on loans 3,901 7,417 1,833 4,484 ------------------------------------------------------------------------------ Share of profit from associates 0 0 0 1,986 Impairment losses on loans and advances -1,752 -2,947 -987 -1,839 ------------------------------------------------------------------------------ Profit before income tax 2,149 4,470 846 4,631 ------------------------------------------------------------------------------ Income tax 174 -125 -55 48 ------------------------------------------------------------------------------ Profit for the period 2,323 4,345 791 4,679 ------------------------------------------------------------------------------ Other comprehensive income/loss Items that may be reclassified subsequently to profit or loss Currency translation differences -50 -51 90 110 ------------------------------------------------------------------------------ Total comprehensive income for the period 2,273 4,294 881 4,789 ------------------------------------------------------------------------------ Net profit attributable to Shareholders of parent company 2,323 4,345 788 4,673 Non-controlling interest 0 0 3 6 ------------------------------------------------------------------------------ Profit for the reporting period 2,323 4,345 791 4,679 ------------------------------------------------------------------------------ Total comprehensive income/loss is attributable to Shareholders of parent company 2,273 4,294 878 4,783 Non-controlling interest 0 0 3 6 ------------------------------------------------------------------------------ Total comprehensive income for the reporting period 2,273 4,294 881 4,789 ------------------------------------------------------------------------------ Condensed consolidated statement of financial position EURt 30.06.2019 31.12.2018 ------------------------------------------------------------------------------ Assets Cash in hand 4 4 Due from central banks 25,402 64,620 Due from credit institutions 19,458 13,700 Financial assets at fair value through profit and loss 5,187 4,600 Loans and advances 275,582 225,639 Investments in associates 97 97 Tangible assets 672 545 Right of use asset 862 0 Intangible assets 9,138 7,697 Other financial assets 72 64 Other assets 511 514 Deferred tax asset 1,235 564 ------------------------------------------------------------------------------ Total assets 338,220 318,044 ------------------------------------------------------------------------------ Loan from credit institution 0 10,429 Customer deposits 272,839 240,175 Other financial liabilities 9,020 8,776 Other liabilities 2,146 2,654 Debt securities issued 4,009 10,017 Subordinated debt securities 9,543 9,528 ------------------------------------------------------------------------------ Total liabilities 297,557 281,579 ------------------------------------------------------------------------------ Equity Share capital 874 874 Share premium 15,053 15,053 Statutory reserve capital 88 79 Other reserves 1,373 1,401 Retained earnings 23,275 19,018 ------------------------------------------------------------------------------ Total equity attributable to the shareholders of parent company 40,663 36,425 ------------------------------------------------------------------------------ Non-controlling interest 0 40 ------------------------------------------------------------------------------ Total equity 40,663 36,465 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ Total liabilities and equity 338,220 318,044 ------------------------------------------------------------------------------ Inbank is a consumer finance focused digital bank active in the Baltics and Poland with additional deposits accepted in Germany, Austria and Holland. Inbank has over 1,500 active partners and 500,000 active contracts. Inbank bonds are listed on the Nasdaq Baltic Stock Exchange. For further information please contact: Kärri Brewster-Palts Inbank AS Head of Group Marketing [email protected] 00372 5565 5500