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
6691
Esitamise kuupäev ja aeg
29.05.2018 11:31:39
Teate sisu eesti keeles
Pealkiri
Inbank AS-i 2018. aasta esimese kvartali majandustulemused
Teade
Inbank müüs aasta esimeses kvartalis 18,9 miljoni euro eest krediiditooteid ning ettevõtte konsolideeritud kasum ulatus 3,9 miljoni euroni. 2018. aasta esimeses kvartalis müüs Inbank krediiditooteid mahus 18,9 miljonit eurot, mis on 34,2% rohkem kui eelmisel aasta samal ajal. Eesti müük oli kvartalis 14,5 miljonit eurot, Läti müük 2,9 miljonit eurot ja Poola müük 1,5 miljonit eurot. Hoiuselepinguid sõlmiti aasta esimese kolme kuuga mahus 13,1 miljonit eurot. Inbanki juhatuse esimehe Jan Andresoo sõnul näitasid võrdselt head kasvu nii krediidi- kui ka hoiusetooted. ?Aastases võrdluses suurenes Inbanki laenuportfell 41,2% ja hoiuseportfell 45,1% võrra, kusjuures kogutud hoiused ületasid 100 miljoni euro piiri," ütles Andresoo. Esimeses kvartalis teenis Inbank 3,9 miljonit eurot kasumit. Sellest 3,2 miljonit eurot moodustas erakorraline kasum, mis tulenes Coop Panga 10% suuruse osaluse müügist ja olemasoleva investeeringu ümberhindamisest. Tehingust vabanenud vahendeid kasutas Inbank Leedu järelmaksuettevõtte UAB Mokilizingas ostmiseks. Eestis uuendas Inbank esimeses kvartalis koostöölepingut automüügiportaaliga auto24.ee. ?Kaardistasime ühiste arutelude käigus uued ja huvitavad finantseerimislahendused, millega soovime turgu üllatada juba lähiajal," sõnas Andresoo. Inbanki Poola filiaal alustas esimeses kvartalis koostööd kahe uue partneri, AXA ja Allianzi kindlustusettevõtetega. ?Koostöö sisuks on kindlustuslepingute osamakseteks jaotamise lahendus, mis on Poola turul innovaatiline toode. Lähiajal saame teha järeldused selle kohta, kui edukaks see mugavusteenus osutunud on," ütles Andresoo. Inbanki Läti ettevõte näitas esimeses kvartalis stabiilset kasvu ja head kasumlikkust. Aasta esimese kolme kuuga teenis ettevõte 154 tuhat eurot kasumit. Olulised finantsnäitajad seisuga 31. märts 2018 * Bilansimaht 135 miljonit eurot * Laenuportfelli suurus 98,1 miljonit eurot * Hoiuste maht 101 miljonit eurot * Puhaskasum 3,9 miljonit eurot * Omakapital 24,9 miljonit eurot * Omakapitali puhastootlikkus 67,5% Lühendatud konsolideeritud finantsseisundi aruanne EURt 31.03.2018 31.12.2017 ------------------------------------------------------------------------------- Varad Sularaha 4 4 Nõuded keskpangale, sh kohustuslik reservkapital 21 934 14 767 Nõuded krediidiasutustele 8 145 8 530 Finantsvarad õiglases väärtuses muutustega läbi kasumiaruande 4 600 0 Laenud ja nõuded klientidele 98 059 92 895 Investeeringud sidusettevõtetesse 1 7 806 Materiaalsed varad 345 279 Immateriaalsed varad 857 816 Muud finantsvarad 60 61 Muud varad 175 459 Edasilükkunud tulumaksu vara 749 364 ------------------------------------------------------------------------------- Varad kokku 134 929 125 981 ------------------------------------------------------------------------------- Kohustised Klientide hoiused 101 372 95 056 Muud finantskohustised 1 159 1 263 Muud kohustised 980 1 136 Allutatud võlaväärtpaberid 6 485 6 480 ------------------------------------------------------------------------------- Kohustised kokku 109 996 103 935 ------------------------------------------------------------------------------- Omakapital Aktsiakapital 782 782 Ülekurss 9 068 9 068 Kohustuslik reservkapital 79 79 Muud reservid 1 377 1 352 Jaotamata kasum 13 598 10 739 ------------------------------------------------------------------------------- Emaettevõtte aktsionäridele kuuluv omakapital kokku 24 904 22 020 ------------------------------------------------------------------------------- Mittekontrolliv osalus 29 26 ------------------------------------------------------------------------------- Omakapital kokku 24 933 22 046 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Kohustised ja omakapital kokku 134 929 125 981 ------------------------------------------------------------------------------- Konsolideeritud kasumiaruanne ja muu koondkasumiaruanne EURt I kv 2018 3 kuud 2018 I kv 2017 3 kuud 2017 ------------------------------------------------------------------------------- Intressitulu 3 797 3 797 2 935 2 935 Intressikulu -571 -571 -484 -484 ------------------------------------------------------------------------------- Neto intressitulu 3 226 3 226 2 451 2 451 ------------------------------------------------------------------------------- Teenustasutulu 161 161 125 125 Teenustasukulu -154 -154 -140 -140 ------------------------------------------------------------------------------- Neto teenustasutulu 7 7 -15 -15 ------------------------------------------------------------------------------- Netotulem õiglases väärtuses kajastatavatelt finantsvaradelt 1 204 1 204 0 0 Muud põhitegevusega seotud tulud 84 84 216 216 ------------------------------------------------------------------------------- Neto intressi- ja teenustasutulu ja muud tulud kokku 4 521 4 521 2 652 2 652 ------------------------------------------------------------------------------- Personalikulud -1 211 -1 211 -885 -885 Turunduskulud -126 -126 -108 -108 Halduskulud -466 -466 -354 -354 Põhivara kulum -67 -67 -49 -49 ------------------------------------------------------------------------------- Tegevuskulud kokku -1 870 -1 870 -1 396 -1 396 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Kasum enne laenude allahindluse kulu 2 651 2 651 1 256 1 256 ------------------------------------------------------------------------------- Kasum sidusettevõtetelt 1 986 1 986 268 268 Laenude allahindluse kulu -852 -852 -926 -926 ------------------------------------------------------------------------------- Aruandeperioodi kasum enne tulumaksu 3 785 3 785 598 598 ------------------------------------------------------------------------------- Tulumaks 103 103 58 58 ------------------------------------------------------------------------------- Aruandeperioodi puhaskasum 3 888 3 888 656 656 ------------------------------------------------------------------------------- Muu koondkasum/-kahjum Kirjed, mida võib edaspidi klassifitseerida kasumiaruandesse Realiseerumata kursivahed 20 20 -16 -16 ------------------------------------------------------------------------------- Aruandeperioodi koondkasum 3 908 3 908 640 640 ------------------------------------------------------------------------------- Puhaskasum omistatud Emaettevõtte aktsionäride osa kasumist 3 885 3 885 668 668 Mittekontrolliv osalus 3 3 -12 -12 ------------------------------------------------------------------------------- Aruandeperioodi puhaskasum 3 888 3 888 656 656 ------------------------------------------------------------------------------- Kokku koondkasum omistatud Emaettevõtte aktsionäride osa kasumist 3 905 3 905 652 652 Mittekontrolliv osalus 3 3 -12 -12 ------------------------------------------------------------------------------- Aruandeperioodi koondkasum 3 908 3 908 640 640 ------------------------------------------------------------------------------- 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 [email protected] (mailto:[email protected]) +372 508 4184
Teate sisu inglise keeles
Pealkiri
Financial results of Inbank AS for Q1 2018
Teade
In the first quarter, Inbank's credit product sale volumes amounted to 18.9 million euros and the consolidated profit of the company was 3.9 million euros. In the first quarter of the year, Inbank sold credit products in the amount of 18.9 million euros, which is 34.2% more than in the first quarter of the previous year. Estonian sales amounted to 14.5 million euros, Latvian sales to 2.9 million euros and Polish sales to 1.5 million euros, respectively. Inbank raised 13.1 million euros worth of deposits in the first three months of the year. According to Jan Andresoo, Chairman of the Management Board of Inbank, both credit and deposit product lines showed equally good growth. In yearly comparison, Inbank's loan portfolio increased by 41.2% and the deposit portfolio by 45.1%, while the raised deposits reached the amount of 100 million euros," Andresoo said. In the first quarter, Inbank earned a profit of 3.9 million euros. Of the earned profit, 3.2 million euros was an extraordinary profit resulting from the sale of 10% of Coop Pank's shareholding and the revaluation of the remaining investment. The funds earned from the transaction were used to purchase shares of the Lithuanian hire-purchase company UAB Mokilizingas. In Estonia, Inbank renewed its cooperation agreement with auto24.ee car sales portal. "In the course of joint discussions, we mapped new and interesting financing solutions and we are hoping to use them to surprise the market very soon," Andresoo said. Inbank's Polish branch entered into cooperation agreements with two new partners, AXA and Allianz insurance companies. "The nature of the cooperation is the solution of the distribution of insurance contracts into instalments, which is an innovative product on the Polish market. We will be able to make conclusions in the near future as to how successful this convenience service has turned out to be," Andresoo said. Inbank's Latvian company showed stable growth and good profitability in the first quarter. During the first three months of the year, the Latvian business earned a profit of 154 thousand euros. Key financial indicators as at 31 March 2018 * Total assets 135 million euros * Loan portfolio 98.1 million euros * Deposits volume 101 million euros * Net profit 3.9 million euros * Equity 24.9 million euros * Net return on equity 67.5% Condensed consolidated statement of financial position EURt 31.03.2018 31.12.2017 ------------------------------------------------------------------------------- Assets Cash in hand 4 4 Due from central banks, including mandatory reserve 21 934 14 767 Due from credit institutions 8 145 8 530 Financial assets at fair value through profit and loss 4 600 0 Loans and advances to customers 98 059 92 895 Investments in associates 1 7 806 Tangible assets 345 279 Intangible assets 857 816 Other financial assets 60 61 Other assets 175 459 Deferred tax asset 749 364 ------------------------------------------------------------------------------- Total assets 134 929 125 981 ------------------------------------------------------------------------------- Customer deposits 101 372 95 056 Other financial liabilities 1 159 1 263 Other liabilities 980 1 136 Subordinated debt securities 6 485 6 480 ------------------------------------------------------------------------------- Total liabilities 109 996 103 935 ------------------------------------------------------------------------------- Equity Share capital 782 782 Share premium 9 068 9 068 Statutory reserve capital 79 79 Other reserves 1 377 1 352 Retained earnings 13 598 10 739 ------------------------------------------------------------------------------- Total equity attributable to the shareholders of parent company 24 904 22 020 ------------------------------------------------------------------------------- Non-controlling interest 29 26 ------------------------------------------------------------------------------- Total equity 24 933 22 046 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Total liabilities and equity 134 929 125 981 ------------------------------------------------------------------------------- Condensed consolidated statement of profit and loss and other comprehensive income EURt Q1 2018 3 months 2018 Q1 2017 3 months 2017 ------------------------------------------------------------------------------- Interest income 3 797 3 797 2 935 2 935 Interest expense -571 -571 -484 -484 ------------------------------------------------------------------------------- Net interest income 3 226 3 226 2 451 2 451 ------------------------------------------------------------------------------- Fee income 161 161 125 125 Fee expense -154 -154 -140 -140 ------------------------------------------------------------------------------- Net fee and commission income 7 7 -15 -15 ------------------------------------------------------------------------------- Net gains from financial assets measured at fair value 1 204 1 204 0 0 Other operating income 84 84 216 216 ------------------------------------------------------------------------------- Total net interest, fee and other income 4 521 4 521 2 652 2 652 ------------------------------------------------------------------------------- Personnel expenses -1 211 -1 211 -885 -885 Marketing expenses -126 -126 -108 -108 Administrative expenses -466 -466 -354 -354 Depreciations, amortisation -67 -67 -49 -49 ------------------------------------------------------------------------------- Total operating expenses -1 870 -1 870 -1 396 -1 396 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Profit before impairment losses on loans 2 651 2 651 1 256 1 256 ------------------------------------------------------------------------------- Share of profit from associates 1 986 1 986 268 268 Impairment losses on loans and advances -852 -852 -926 -926 ------------------------------------------------------------------------------- Profit before income tax 3 785 3 785 598 598 ------------------------------------------------------------------------------- Income tax 103 103 58 58 ------------------------------------------------------------------------------- Profit for the period 3 888 3 888 656 656 ------------------------------------------------------------------------------- Other comprehensive income/loss Items that may be reclassified subsequently to profit or loss Unrealised foreign exchange gains/losses 20 20 -16 -16 ------------------------------------------------------------------------------- Total comprehensive income for the period 3 908 3 908 640 640 ------------------------------------------------------------------------------- Profit is attributable to Owners of the parent 3 885 3 885 668 668 Non-controlling interest 3 3 -12 -12 ------------------------------------------------------------------------------- Profit for the reporting period 3 888 3 888 656 656 ------------------------------------------------------------------------------- Total comprehensive income/loss is attributable to Owners of the parent 3 905 3 905 652 652 Non-controlling interest 3 3 -12 -12 ------------------------------------------------------------------------------- Total comprehensive income for the reporting period 3 908 3 908 640 640 ------------------------------------------------------------------------------- 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, Lithuania and Poland. Inbank also receives international deposits from the German and Austrian markets. Additional information Jan Andresoo Inbank AS Chairman of the Management Board [email protected] (mailto:[email protected]) +372 508 4184