Instabank ASA (OSL:INSTA)

Instabank ASA Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	724.13	686.83	556.23	391.23	319.93	271.72
Interest Income on Investments	37.34	35.52	21.33	2.35	0.1	0.4
Total Interest Income	761.47	722.35	577.56	393.58	320.04	272.12
Interest Paid on Deposits	298.21	295.5	204.69	73.89	38.61	51.35
Net Interest Income	463.26	426.85	372.86	319.69	281.43	220.77
Net Interest Income Growth (YoY)	16.25%	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	51.81	46.97	43.68	36.8	36.56	33.98
Total Non-Interest Income	70.17	65.33	68.22	37.89	38.57	42.36
Non-Interest Income Growth (YoY)	-8.18%	-4.24%	80.05%	-1.75%	-8.95%	-
Revenues Before Loan Losses	533.43	492.18	441.08	357.58	319.99	263.13
Provision for Loan Losses	164.71	157.32	143.74	100.23	80.88	92.91
Revenue	368.72	334.87	297.34	257.35	239.11	170.22
Revenue Growth (YoY)	19.05%	12.62%	15.54%	7.63%	40.47%	-0.30%
Salaries and Employee Benefits	97.97	86.53	68.64	55.5	44.32	37.39
Occupancy Expenses	13.65	13	12.44	13.05	14.1	12.74
Selling, General & Administrative	117.03	96.93	76.56	77.69	56.19	59.93
Other Non-Interest Expense	12.06	9.95	8.47	7.79	12.32	3.14
Total Non-Interest Expense	240.7	206.42	166.11	154.02	126.93	113.21
EBT Excluding Unusual Items	128.02	128.45	131.23	103.33	112.18	57.01
Pretax Income	128.02	128.45	131.23	103.33	112.18	57.01
Income Tax Expense	30.22	30.33	30.36	21.09	28.73	14.33
Net Income	97.8	98.12	100.87	82.24	83.45	42.68
Net Income to Common	97.8	98.12	100.87	82.24	83.45	42.68
Net Income Growth	-0.69%	-2.72%	22.66%	-1.45%	95.53%	3.49%
Basic Shares Outstanding	377	378	378	333	333	333
Diluted Shares Outstanding	398	400	400	355	352	353
Shares Change (YoY)	-2.14%	-0.03%	12.80%	0.68%	-0.11%	2.61%
EPS (Basic)	0.26	0.26	0.27	0.25	0.25	0.13
EPS (Diluted)	0.25	0.25	0.26	0.23	0.24	0.12
EPS Growth	0.21%	-3.85%	13.04%	-4.17%	100.00%	-
Dividend Per Share	0.080	0.080	-	-	-	-
Effective Tax Rate	23.60%	23.61%	23.13%	20.41%	25.61%	25.14%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.