Core Insights - Inbank achieved a record originated volume of 204 million euros in Q3 2025, marking a 14% year-on-year increase and a consolidated net profit of 5 million euros, up 62% from the previous year [1][6] - The total net income for the first nine months of 2025 reached 63.3 million euros, reflecting a 15% increase year-on-year [6] - The company successfully completed a Tier 2 bond issue on Nasdaq Tallinn, raising 8 million euros to support future growth [3] Financial Performance - Total assets as of September 30, 2025, were 1.59 billion euros, with a loan and rental portfolio of 1.24 billion euros and customer deposits of 1.32 billion euros [5][9] - Return on equity improved to 12.5% in Q3 2025, with an average of 11.4% for the first nine months [1][5] - The cost/income ratio declined to 52.3%, indicating improved efficiency [6] Growth Drivers - The growth in originated volume was driven by high demand for green financing products in Poland, expansion of buy-now-pay-later (BNPL) sales in the Baltics, and steady growth in direct lending across all markets [6] - Green financing sales reached a record 39.3 million euros, growing 57% year-on-year, while direct lending sales increased by 48% to 35.1 million euros [6] Customer and Market Engagement - Inbank serves over 5,900 partners and has 625,000 active customers, with a total of 915,000 active customer contracts by the end of Q3 2025 [4][6] - The company is focused on expanding its embedded finance solutions to more merchants and customers across existing and new European markets [4]

Core Insights - Inbank achieved record sales in Q2 2025 with an originated volume of 196 million euros, a 15% increase year-on-year, while net profit for the quarter was 3.6 million euros, down 6% year-on-year [1][6] - The company reported a consolidated net profit of 8.1 million euros for the first half of 2025, representing a 5% increase compared to the same period last year [1] - Inbank's return on equity was 9.3% in Q2 and 10.8% for the first half of 2025 [1] Financial Performance - Total net income for Q2 2025 reached 20.7 million euros, an 8.4% increase year-on-year, with core activities income growing by 15.3% to 21.1 million euros [6] - Total operating expenses for Q2 amounted to 11.6 million euros, a 7.1% increase year-on-year, leading to an improved cost/income ratio of 55.9% [6] - Impairments on loans and receivables increased by 18.1% to 4.9 million euros, accounting for 1.64% of the average loan and rental portfolio [6] Market Position and Strategy - Inbank's market share in consumer lending in Estonia reached 20.3% by the end of 2024, with plans to explore new niches in the €50 billion Polish consumer finance market [2] - The company launched payment protection insurance in Latvia and Lithuania, completing its product offerings across all Baltic countries [3] - Inbank's sales in the Central and Eastern Europe (CEE) region reached a record 78 million euros in the last quarter, driven by high demand for green financing products [2][6] Key Financial Indicators - As of June 30, 2025, Inbank's total assets were 1.50 billion euros, with a loan and rental portfolio of 1.21 billion euros and customer deposits of 1.23 billion euros [4][8] - Total equity stood at 156 million euros, with a return on equity of 9.3% [4] - The number of active customer contracts reached 931,000, supported by partnerships with over 5,700 merchants [8]