The consolidated Annual Report 2025 has been included in the announcement and will be made available on the Inbank investor website at https://inbank.eu/investors/reporting. Compared to the unaudited Interim Report published on 26 February 2026, there are no differences in the audited results.

  • In 2025, total net income reached €85.1 million, increasing 13% year-on-year, while operating expenses remained broadly flat at €46.3 million. As a result, net profit increased 57% to €19.2 million and return on equity improved to 12.3%. The cost-income ratio improved to 54.4%.
  • In 2025, Inbank’s originated volume grew by 10% year-on-year to a record €770 million. Growth was driven by strong performance in Central and Eastern Europe, where originated volume increased 23% to €309 million, while Baltics volumes grew 3% to €462 million. 
  • Merchant solutions remained the largest segment, reaching €272 million in originated volume, increasing 7% year-on-year, driven mainly by strong Buy Now, Pay Later demand across the Baltics. Green financing was the strongest contributor to growth, increasing 65% to €146 million, supported by demand in Poland. Direct lending increased 33% to €119 million. Car financing originated volume declined 15% to €178 million, while rental services remained stable at €54 million. Both car financing and rental volumes were significantly impacted by the introduction of Estonia’s car tax at the beginning of 2025.
  • By year-end, Inbank’s loan and rental portfolio grew 11% year-on-year to €1.28 billion, while customer deposits increased 11% year-on-year to €1.3 billion. Total assets reached €1.58 billion at the end of 2025. 
  • Credit quality remained within target throughout the year, with annual credit costs at 1.59% of the average loan and rental portfolio. 
  • Inbank’s capital position remained strong. As of 31 December 2025, the total capital ratio stood at 18.81% and the CET1 ratio at 14.13%. 
  • By the end of 2025, Inbank had 900,000 active customer contracts and over 6,000 active retail merchants. 

Key financials as of 31.12.2025

  • Total assets €1.58 billion
  • Loan and rental portfolio €1.28 billion
  • Customer deposits €1.3 billion
  • Total equity €171 million
  • Net profit €19.2 million
  • Return on equity 12.3%