Instabank ASA Balance Sheet

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
Cash & Equivalents	-	415.53	242.4	191.25	281.28	202.6
Investment Securities	1,130	1,008	943.25	867.81	679.76	889.66
Trading Asset Securities	2.78	2.33	1.27	1.77	1.21	1.97
Total Investments	1,133	1,011	944.53	869.58	680.97	891.64
Gross Loans	8,766	6,825	6,423	4,948	4,070	2,968
Allowance for Loan Losses	-370.55	-236.44	-343.92	-200.58	-182.82	-131.35
Other Adjustments to Gross Loans	-92.12	-88.29	-85.96	-73.12	-55.13	-
Net Loans	8,303	6,500	5,994	4,674	3,832	2,836
Property, Plant & Equipment	10.57	12.54	15.09	3.65	5.91	8.41
Other Intangible Assets	31.64	30.67	26.92	21.2	25.1	29.48
Other Receivables	36.83	15.92	31.12	39.53	6.32	11.83
Other Current Assets	-	22.78	21.82	-	-	-
Long-Term Deferred Tax Assets	-	-	1.88	-	-	-
Other Long-Term Assets	-	-	-	0	0	-
Total Assets	9,515	8,008	7,277	5,799	4,832	3,980
Accounts Payable	-	12.84	10.41	4.71	11.07	8.33
Accrued Expenses	29.73	14.56	10.9	29.8	12.46	16.87
Interest Bearing Deposits	8,062	6,747	6,127	4,852	4,047	3,304
Total Deposits	8,062	6,747	6,127	4,852	4,047	3,304
Short-Term Borrowings	7.8	3.03	22.82	0.54	0.34	0.12
Current Income Taxes Payable	25.07	20.19	32.97	25.07	29.34	-
Long-Term Debt	190	96	96	96	56	56
Long-Term Leases	-	11.98	14.19	3.83	6.27	7.83
Long-Term Deferred Tax Liabilities	8.26	8.26	-	0.73	2.96	3.57
Other Long-Term Liabilities	55.13	53.45	15.28	-	-	-
Total Liabilities	8,378	6,967	6,329	5,013	4,166	3,397
Common Stock	378.26	378.26	378.26	332.64	332.64	332.64
Additional Paid-In Capital	200.43	200.43	200.43	178.19	178.19	178.19
Retained Earnings	413.79	-	-	-	-	-
Comprehensive Income & Other	145	462.91	369.45	275.44	155.27	72.85
Shareholders' Equity	1,137	1,042	948.14	786.28	666.11	583.68
Total Liabilities & Equity	9,515	8,008	7,277	5,799	4,832	3,980
Total Debt	197.8	111.01	133.01	100.37	62.6	63.96
Net Cash (Debt)	-195.02	306.85	110.66	92.65	219.89	140.62
Net Cash Growth	-	177.28%	19.44%	-57.86%	56.38%	56.09%
Net Cash Per Share	-0.49	0.77	0.28	0.26	0.62	0.40
Filing Date Shares Outstanding	378.26	378.26	378.26	332.64	332.64	332.64
Total Common Shares Outstanding	378.26	378.26	378.26	332.64	332.64	332.64
Book Value Per Share	2.62	2.53	2.29	2.12	1.88	1.63
Tangible Book Value	1,106	1,011	921.22	765.08	641.01	554.2
Tangible Book Value Per Share	2.54	2.45	2.22	2.06	1.80	1.54

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