Inbank publishes audited Annual Report for 2025

Core Insights - Inbank reported a total net income of €85.1 million for 2025, marking a 13% year-on-year increase, with net profit rising 57% to €19.2 million and return on equity improving to 12.3% [4] - The company’s total assets reached €1.58 billion, with a loan and rental portfolio of €1.28 billion and customer deposits of €1.3 billion as of December 31, 2025 [2][4] - Inbank's originated volume grew by 10% year-on-year to €770 million, driven by strong performance in Central and Eastern Europe [4] Financial Performance - Operating expenses remained stable at €46.3 million, leading to an improved cost-income ratio of 54.4% [4] - The total capital ratio stood at 18.81% and the CET1 ratio at 14.13% as of December 31, 2025, indicating a strong capital position [4] Market Position - Inbank partners with over 6,000 merchants and has 900,000 active customer contracts across 7 European markets [2][4] - Merchant solutions accounted for the largest segment of originated volume at €272 million, with a 7% year-on-year increase, primarily driven by demand for Buy Now, Pay Later services [4] Growth Segments - Green financing was a significant growth contributor, increasing 65% to €146 million, particularly supported by demand in Poland [4] - Direct lending saw a 33% increase to €119 million, while car financing declined by 15% to €178 million due to the introduction of Estonia's car tax [4]