Twelve years of profitable growth

Built on a solid foundation with a track record of 12 consecutive years of profitable growth supported by a large ecosystem of partners and a strong balance sheet.

Inbank founders Priit Põldoja and Jan Andresoo having a chat at the office lounge area



GMV (in millions of €)


Total net income (in millions of €)


Net profit (in millions of €)

Key financial indicators

Units in the charts are represented in millions of euros.

Net interest income31.73640.048.153.4
Net rental and other income0.3−
Total net income32.034.842.651.460.2
Operating expenses16.017.324.030.336.9
Operating profit16.017.518.621.023.2
Net loan loss6.011.56.711.213.2
Net profit10.05.911.021.110.2
Total assets462.8490.0787.01 020.51 320.6
Loan and rental portfolio324.2389.2640.5815.91 030.2
Deposit portfolio377.5391.3617.9828.91 081.6
Return on equity (ROE)24.4%11.3%16.3%23.4%9.3%
Return on total assets2.6%1.4%1.7%2.4%0.9%
Net interest margin8.7%8.1%6.6%6.1%5.2%
Impairment losses to loan portfolio2.2%3.2%1.4%1.6%1.5%
Cost/income ratio49.9%49.7%56.3%59.0%61.4%
Equity to total assets10.2%12.5%10.0%10.0%9.4%

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