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
6111
Manused
Esitamise kuupäev ja aeg
17.05.2017 07:56:20
Teate sisu eesti keeles
Pealkiri
Inbank AS-i 2017. aasta I kvartali majandustulemused
Teade
Inbanki 2017. aasta esimese kvartali konsolideeritud kasum oli 640 tuhat eurot.
Inbanki hoiuseportfell kasvas kvartali jooksul 8,2% ja laenuportfell 7,1%
võrra. Esimese kvartali olulisim sündmus oli Poola turul tegevuse alustamine.
Inbanki juhatuse esimehe Jan Andresoo sõnul oli esimese kvartali tähtsündmus
tegevuse alustamine Poolas. “Pakume ligi 40 miljoni inimesega ning suure
potentsiaaliga turul internetipanga vahendusel hoiuse- ja laenutooteid. Meie
esmane fookus on hoiuste kaasamine ja esialgsed tulemused on suurepärased:
kogusime ligi miljoni euro väärtuses hoiuseid. Saime kinnitust, et Inbank on
Poolas oodatud ja juba stardihetkel usaldusväärne pank,” ütles ta.
Inbank kaasas esimeses kvartalis 8,2 miljoni euro väärtuses hoiuseid, mis on
võrdväärne tulemus eelmise aasta sama perioodiga. Esimese kvartali jooksul
kasvas Inbanki hoiuseportfell 8,2% võrra. “Meie hoiusepakkumine on endiselt
turu parim. Pärast tegevuse alustamist Poolas on meil võimekus koguda hoiuseid
juba neljalt turult: Eestist, Saksamaalt, Austriast ja Poolast. Hoiuste
kaasamise võimaluste mitmekesistamine võimaldab panga finantseerimisvajadust
paindlikumalt juhtida,” ütles Andresoo.
Inbanki laenutoodete müügimaht Eestis ja Lätis oli esimeses kvartalis 14,1
miljonit eurot. Andresoo sõnul olid Eesti turu tulemused oodatust paremad ning
Läti omad vastasid ootustele. “Läti ettevõtte müüginumbrid olid võrdluses
eelmise aasta sama perioodiga ootuspäraselt mõnevõrra tagasihoidlikumad, kuna
eelmise aasta kolmandas kvartalis muutsime oluliselt tegevusstrateegiat,
loobudes finantseerimise pakkumisest maaklerite kaudu,” ütles ta.
Esimesse kvartalisse jäi ka 30. jaanuari tehing, mille käigus omandasid Inbank
ja Coop Eesti enamusosaluse Eesti Krediidipangas. Tehingu teises etapis omandab
Krediidipank Inbanki sidusettevõtted Coop Finants AS-i ning Krediidipank
Finants AS-i. Tehingust saadud tulud reinvesteerib Inbank Krediidipanka.
Olulised finantsnäitajad seisuga 31. märts 2017
-- Bilansimaht 93,9 miljonit eurot
-- Laenuportfelli suurus 69,4 miljonit eurot
-- Hoiuste maht 69,9 miljonit eurot
-- Koondkasum 0,64 miljonit eurot
-- Omakapital 15,2 miljonit eurot
Konsolideeritud koondkasumiaruanne
EURt
I kv 2017 3 kuud 2017 I kv 2016 3 kuud
2016
--------------------------------------------------------------------------------
Jätkuvad tegevused
Intressitulu 2 935 2935 1 816 1 816
Intressikulu -484 -484 -258 -258
--------------------------------------------------------------------------------
Neto intressitulu 2 451 2451 1 558 1 558
--------------------------------------------------------------------------------
Teenustasutulu 192 192 120 120
Teenustasukulu -140 -140 -72 -72
--------------------------------------------------------------------------------
Neto teenustasutulu 52 52 48 48
--------------------------------------------------------------------------------
Muud põhitegevusega seotud tulud 149 149 171 171
--------------------------------------------------------------------------------
Tulud kokku 2 652 2 652 1 777 1 777
--------------------------------------------------------------------------------
Personalikulud -885 -885 -500 -500
Turunduskulud -108 -108 -88 -88
Halduskulud -354 -354 -151 -151
Põhivara kulum -49 -49 -44 -44
---------------------------------------------------------------------
Tegevuskulud kokku -1 396 -1 396 -783 -783
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Ärikasum 1 256 1 256 994 994
--------------------------------------------------------------------------------
Kasum sidusettevõtetelt 268 268 177 177
--------------------------------------------------------------------------------
Kasum enne laenukahjumeid 1 524 1 524 1 171 1 171
--------------------------------------------------------------------------------
Laenude allahindluse kulu -926 -926 -459 -459
--------------------------------------------------------------------------------
Aruandeperioodi kasum enne 598 598 712 712
tulumaksu
--------------------------------------------------------------------------------
Edasikantud tulumaks 58 58 2 2
Aruandeperioodi puhaskasum 656 656 714 714
--------------------------------------------------------------------------------
Realiseerumata kursivahed -16 -16 0 0
Aruandeperioodi koondkasum 640 640 714 714
--------------------------------------------------------------------------------
Emaettevõtte osa kasumist 652 652 712 712
Vähemusosaluse osa kasumist -12 -12 2 2
--------------------------------------------------------------------------------
Aruandeperioodi koondkasum 640 640 714 714
--------------------------------------------------------------------------------
Konsolideeritud finantsseisundi aruanne
EURt
31.03.2017 31.12.2016
---------------------------------------------------------------------------
Varad
Sularaha 4 4
Nõuded keskpangale, sh kohustuslik reserv 13 966 14 680
Nõuded krediidiasutustele 3 272 1 956
Laenud ja nõuded 69 424 64 839
Investeeringud sidusettevõtetesse 2 948 1
Materiaalsed varad 203 183
Immateriaalsed varad 944 902
Muud varad 881 706
Müügiks hoitavad sidusettevõtted 2 222 1 672
---------------------------------------------------------------------------
Varad kokku 93 864 84 943
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Kohustised
Hoiused 69 871 64 587
Muud kohustised 2 274 2 077
Allutatud võlaväärtpaberid 6 475 6 475
---------------------------------------------------------------------------
Kohustised kokku 78 620 73 139
---------------------------------------------------------------------------
Omakapital
Aktsiakapital 782 689
Ülekurss 9 068 6 361
Jaotamata kasum/kahjum 3 330 681
Reservid 1 387 1 387
Muud reservid 31 31
Aruandeperioodi koondkasum 652 2 649
---------------------------------------------------------------------------
Emaettevõtte aktsionäridele kuuluv omakapital kokku 15 250 11 798
---------------------------------------------------------------------------
Mittekontrolliv osalus -6 6
---------------------------------------------------------------------------
Omakapital kokku 15 244 11 804
---------------------------------------------------------------------------
---------------------------------------------------------------------------
Kohustised ja omakapital kokku 93 864 84 943
---------------------------------------------------------------------------
Inbanki aruanded on kättesaadavad aadressil
https://www.inbank.ee/inside/investor/reports/.
2015. aastal 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
[email protected]
+372 5348 2436
Teate sisu inglise keeles
Pealkiri
Financial results of Inbank AS for Q1 of 2017
Teade
The consolidated profit of Inbank in Q1 2017 was 640 thousand euros. The
deposit portfolio of Inbank grew by 8.2% and the loan portfolio by 7.1% during
the quarter. The biggest milestone in Q1 for Inbank was the launch of business
operations on the Polish market.
According to the CEO of Inbank Jan Andresoo, launching business operations in
Poland was the most important event for the bank in Q1. “Since the middle of
March we are offering deposit and credit products via our online bank on a
market with 40 million people and great potential. Receiving deposits is our
primary focus and the initial results are excellent: we raised approximately 1
million euros in deposits. This confirmed to us that Inbank is welcome in
Poland and already a bank that people trust.”
The total amount of deposits received by Inbank in Q1 is 8.2 million euros,
which is equal to the result achieved in the same period last year. The deposit
portfolio of Inbank grew by 8.2% in Q1. “Our deposit offer is still the best on
the market. After the launch of our operations in Poland, we can receive
deposits from as many as four markets: Estonia, Germany, Austria and Poland.
Diversifying the opportunities of receiving deposits allows us to manage the
bank’s financing needs more flexibly,” Andresoo said.
The sales of the credit products of Inbank in Estonia and Latvia totalled 14.1
million euros in Q1. Andresoo said that the results on the Estonian market were
better than expected and the results in Latvia met the expectations. “Sales in
Latvia were somewhat more modest than the year before, which is what we
expected, as we made significant changes in our operational strategy in Q3 last
year, and stopped offering financing via brokers,” he added.
The transaction of 30 January, where Inbank and Coop Eesti acquired the
majority holding in Eesti Krediidipank, was also concluded in the previous
quarter. In the second stage of the transaction Krediidipank will acquire the
affiliates of Inbank, Coop Finants AS and Krediidipank Finants AS. Inbank will
reinvest the proceeds of the transaction in Krediidipank.
Inbank's interim report is currently available only in Estonian. The English
version will be published on Inbank’s web page www.inbank.ee shortly.
Important financial indicators as at 31 March 2017
-- Balance sheet total 93.9 million euros
-- Loan portfolio 69.4 million euros
-- Deposit portfolio 69.9 million euros
-- Consolidated profit 0.64 million euros
-- Equity 15.2 million euros
Consolidated statement of comprehensive income
EURt
Q1 3 months Q1 3 months
2017 2017 2016 2016
--------------------------------------------------------------------------------
Continuing operations
Interest income 2 935 2935 1 816 1 816
Interest expenses -484 -484 -258 -258
--------------------------------------------------------------------------------
Net interest income 2 451 2451 1 558 1 558
--------------------------------------------------------------------------------
Fee and commission income 192 192 120 120
Fee and commission expense -140 -140 -72 -72
--------------------------------------------------------------------------------
Net fee and commission income 52 52 48 48
--------------------------------------------------------------------------------
Other income related to operations 149 149 171 171
--------------------------------------------------------------------------------
Total income 2 652 2 652 1 777 1 777
--------------------------------------------------------------------------------
Personnel costs -885 -885 -500 -500
Marketing expenses -108 -108 -88 -88
Administrative expenses -354 -354 -151 -151
Depreciation, amortisation -49 -49 -44 -44
---------------------------------------------------------------------
Total operating expenses -1 396 -1 396 -783 -783
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Operating profit 1 256 1 256 994 994
--------------------------------------------------------------------------------
Profit from affiliates 268 268 177 177
--------------------------------------------------------------------------------
Profit before loan losses 1 524 1 524 1 171 1 171
--------------------------------------------------------------------------------
Credit losses -926 -926 -459 -459
--------------------------------------------------------------------------------
Profit before income tax 598 598 712 712
--------------------------------------------------------------------------------
Deferred income tax 58 58 2 2
Net income 656 656 714 714
--------------------------------------------------------------------------------
Unrealised foreign exchange gains/losses -16 -16 0 0
-----------------------------------------
Total comprehensive income 640 640 714 714
--------------------------------------------------------------------------------
Profit (loss) attributable to the parent 652 652 712 712
company
Profit (loss) attributable to -12 -12 2 2
non-controlling interest
--------------------------------------------------------------------------------
Total comprehensive income 640 640 714 714
--------------------------------------------------------------------------------
Consolidated statement of financial position
EURt
31.03.2017 31.12.2016
--------------------------------------------------------------------------------
Assets
Cash in hand 4 4
Due from central banks, reserve requirement 13 966 14 680
Due from credit institutions 3 272 1 956
Loans and receivables 69 424 64 839
Investments in affiliates 2 948 1
Tangible assets 203 183
Intangible assets 944 902
Other assets 881 706
Assets held for sale 2 222 1 672
--------------------------------------------------------------------------------
Total assets 93 864 84 943
--------------------------------------------------------------------------------
Deposits 69 871 64 587
Other liabilities 2 274 2 077
Subordinated debt securities 6 475 6 475
--------------------------------------------------------------------------------
Total liabilities 78 620 73 139
--------------------------------------------------------------------------------
Equity
Share capital 782 689
Share premium 9 068 6 361
Retained earnings/accumulated loss 3 330 681
Reserves 1 387 1 387
Other reserves 31 31
Total comprehensive income for reporting period 652 2 649
--------------------------------------------------------------------------------
Total equity attributable to the shareholders of parent 15 250 11 798
company
--------------------------------------------------------------------------------
Non-controlling interest -6 6
--------------------------------------------------------------------------------
Total equity 15 244 11 804
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Total liabilities and equity 93 864 84 943
--------------------------------------------------------------------------------
The reports of Inbank are accessible online at
https://www.inbank.ee/en/inside/investor/reports/.
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
[email protected]
+372 5348 2436