Core Insights - Inbank achieved a consolidated net profit of €19.2 million in 2025, marking a 57% increase year-on-year, with a return on equity (ROE) of 12.3% for the full year [1][6] - The fourth quarter of 2025 saw a net profit of €6.1 million, a staggering 339% increase year-on-year, with an ROE of 14.7% [1][4] Financial Performance - Total net income for 2025 reached €85.1 million, a 13% increase from the previous year, while operating expenses remained stable at €46.3 million [6] - The cost-income ratio improved to 54.4% in 2025 [6] - Inbank's originated volume grew by 10% year-on-year to a record €770 million, driven by strong performance in Central and Eastern Europe [6] Segment Performance - Merchant solutions, the largest segment, reached €272 million in originated volume, a 7% increase year-on-year, primarily due to strong demand for Buy Now, Pay Later services [6] - Green financing was the strongest growth contributor, increasing 65% to €146 million, supported by demand in Poland [6] - Direct lending increased by 33% to €119 million, while car financing declined by 15% to €178 million due to the introduction of Estonia's car tax [6] Asset and Liability Management - By year-end 2025, Inbank's loan and rental portfolio grew 11% year-on-year to €1.28 billion, and customer deposits also increased by 11% to €1.3 billion [6] - Total assets reached €1.58 billion at the end of 2025 [7][9] - The total capital ratio stood at 18.81% and the CET1 ratio at 14.13% as of December 31, 2025 [6] Customer and Market Position - Inbank had 900,000 active customer contracts and over 6,000 active retail merchants by the end of 2025 [6][9] - The fourth quarter results were positively impacted by a one-off tax effect in Poland and a low comparison base from the previous year [4][6]