Inbank unaudited financial results for Q3 and 9 months of 2025

In Q3 2025, Inbank reached a new milestone, recording an originated volume of 204 million euros - the highest in its history and a 14% increase year-on-year. Consolidated net profit for the quarter grew by 62% to 5 million euros, while net profit for the first 9 months of the year reached 13.1 million euros, marking a 21% increase year-on-year. Return on equity improved to 12.5% in Q3 and averaged 11.4% for the first 9 months of the year. Inbank’s total net income for the third quarter...

Tallinn, 05/11/2025 (informazione.news - comunicati stampa - economia)

Priit Põldoja, CEO, comments on the results:
“Throughout 2025, Inbank has demonstrated consistent improvement in both sales and financial performance. For the first time in our history, the originated volume reached a new milestone of 204 million euros, reflecting a 14% year-on-year increase. In addition, our quarterly total net income reached a new record level of 21,9 million euros, growing 21% year-over-year. 

In early October, we successfully completed another Tier 2 bond issue on Nasdaq Tallinn, which was more than four times oversubscribed, attracting balanced interest from both retail and institutional investors. The issue raised 8 million euros in subordinated capital to support Inbank’s growth in the coming years and further strengthen our capital position.

We have remained focused on profitable growth while delivering value to more than 5,900 partners and 625,000 active customers. To support our continued international growth journey, we are strengthening our foundation through improved returns, greater efficiency, and stronger capital position. Q3 2025 marked another milestone in this journey, and we expect the positive momentum to continue in the coming quarters. At the same time, our team is preparing to seize new growth opportunities and bring Inbank’s embedded finance solutions to more merchants and customers across both existing and new European markets.”

Key financial indicators as of 30.09.2025
Total assets EUR 1.59 billion
Loan and rental portfolio EUR 1.24 billion
Customer deposits EUR 1.32 billion
Total equity EUR 161 million
Net profit EUR 5 million
Return on equity 12.5%

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 5,900 merchants, Inbank has 915,000+ 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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