Inbank unaudited financial results for Q2 and 6 months of 2025

In Q2 2025, Inbank delivered record-breaking sales with an originated volume of 196 million euros, representing a 15% year-on-year increase. In the same period, Inbank earned a consolidated net profit of 3.6 million euros, declining 6% year-on-year. Net profit for the first half of 2025 was 8.1 million euros, which is 5% more than a year ago. The return on equity was 9.3% in Q2 and 10.8% for the half year of 2025.  Inbank’s total net income for the second quarter reached 20.7 million euros,...

Tallinn, 05/08/2025 (informazione.news - comunicati stampa - economia)

Priit Põldoja, CEO, comments on the results:

“In the first half of 2025, Inbank’s growth has been more measured. While we achieved a record high originated volume this quarter and are likely to surpass it in coming periods, we have maintained a disciplined approach to growth opportunities. Inbank’s market share continues to expand across the Baltics. By the end of 2024, we reached 20.3% market share in consumer lending in Estonia. As interest rates decline, our margins continue to improve. However, to continue on our profitable growth path, we need to explore new niches in a €50bn Polish consumer finance market beyond our successful solar panel business and build our presence in Czechia. The last quarter marked a step in that direction, with record sales of 78 million euros in the Central and Eastern Europe (CEE) region.

Inbank continues to grow not only geographically, but also by expanding its product offerings. In the last quarter, we launched payment protection insurance in Latvia and Lithuania, completing our presence with this product across all Baltic countries. Expanding our range of fee-based products for our large customer base remains an important strategic focus for Inbank.

In early Q2, Inbank strengthened its Supervisory Board by appointing Erkki Raasuke as independent Chairman and welcoming two new members: Isabel Faragalli, a seasoned debt capital markets professional, and Sergei Anikin, an experienced tech leader. We look forward to working with the new Board to drive Inbank’s European embedded finance growth strategy in the years ahead.”

Key financial indicators as of 30.06.2025
Total assets EUR 1.50 billion
Loan and rental portfolio EUR 1.21 billion
Customer deposits EUR 1.23 billion
Total equity EUR 156 million
Net profit EUR 3.6 million
Return on equity 9.3%

Consolidated income statement (in thousands of euros)

Consolidated statement of financial position (in thousands of euros)

Inbank is a financial technology company with an EU banking license that connects merchants, consumers and financial institutions on its next generation embedded finance platform. Partnering with more than 5,700 merchants, Inbank has 931,000+ active contracts and collects deposits across 7 markets in Europe. Inbank bonds are listed on the Nasdaq Tallinn Stock Exchange.

Additional information:
Styv Solovjov
AS Inbank
Head of Investor Relations
+372 5645 9738
styv.solovjov@inbank.ee

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