Instabank ASA Income Statement

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	764.78	686.83	556.23	391.23	319.93	271.72
Interest Income on Investments	35.45	35.52	21.33	2.35	0.1	0.4
Total Interest Income	800.23	722.35	577.56	393.58	320.04	272.12
Interest Paid on Deposits	301.8	295.5	204.69	73.89	38.61	51.35
Net Interest Income	498.43	426.85	372.86	319.69	281.43	220.77
Net Interest Income Growth (YoY)	20.56%	14.48%	16.63%	13.60%	27.47%	-12.60%
Gain (Loss) on Sale of Investments	18.36	18.36	24.55	1.09	2.01	8.38
Other Non-Interest Income	44.58	46.97	43.68	36.8	36.56	33.98
Total Non-Interest Income	62.94	65.33	68.22	37.89	38.57	42.36
Non-Interest Income Growth (YoY)	-18.72%	-4.24%	80.05%	-1.75%	-8.95%	-
Revenues Before Loan Losses	561.37	492.18	441.08	357.58	319.99	263.13
Provision for Loan Losses	174.56	157.32	143.74	100.23	80.88	92.91
Revenue	386.81	334.87	297.34	257.35	239.11	170.22
Revenue Growth (YoY)	21.19%	12.62%	15.54%	7.63%	40.47%	-0.30%
Salaries and Employee Benefits	97.88	86.53	68.64	55.5	44.32	37.39
Occupancy Expenses	13.8	13	12.44	13.05	14.1	12.74
Selling, General & Administrative	128.72	96.93	76.56	77.69	56.19	59.93
Other Non-Interest Expense	13.08	9.95	8.47	7.79	12.32	3.14
Total Non-Interest Expense	253.48	206.42	166.11	154.02	126.93	113.21
EBT Excluding Unusual Items	133.33	128.45	131.23	103.33	112.18	57.01
Pretax Income	133.33	128.45	131.23	103.33	112.18	57.01
Income Tax Expense	31.55	30.33	30.36	21.09	28.73	14.33
Net Income	101.79	98.12	100.87	82.24	83.45	42.68
Net Income to Common	101.79	98.12	100.87	82.24	83.45	42.68
Net Income Growth	5.23%	-2.72%	22.66%	-1.45%	95.53%	3.49%
Basic Shares Outstanding	378	378	378	333	333	333
Diluted Shares Outstanding	399	400	400	355	352	353
Shares Change (YoY)	-0.17%	-0.03%	12.80%	0.68%	-0.11%	2.61%
EPS (Basic)	0.27	0.26	0.27	0.25	0.25	0.13
EPS (Diluted)	0.26	0.25	0.26	0.23	0.24	0.12
EPS Growth	3.96%	-3.85%	13.04%	-4.17%	100.00%	-
Dividend Per Share	0.080	0.080	-	-	-	-
Effective Tax Rate	23.66%	23.61%	23.13%	20.41%	25.61%	25.14%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.