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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	703.87	686.83	556.23	391.23	319.93	271.72
Interest Income on Investments	36.38	35.52	21.33	2.35	0.1	0.4
Total Interest Income	740.24	722.35	577.56	393.58	320.04	272.12
Interest Paid on Deposits	296.22	295.5	204.69	73.89	38.61	51.35
Net Interest Income	444.02	426.85	372.86	319.69	281.43	220.77
Net Interest Income Growth (YoY)	14.72%	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	47.8	46.97	43.68	36.8	36.56	33.98
Total Non-Interest Income	66.16	65.33	68.22	37.89	38.57	42.36
Non-Interest Income Growth (YoY)	-5.20%	-4.24%	80.05%	-1.75%	-8.95%	-
Revenues Before Loan Losses	510.18	492.18	441.08	357.58	319.99	263.13
Provision for Loan Losses	152.63	157.32	143.74	100.23	80.88	92.91
Revenue	357.55	334.87	297.34	257.35	239.11	170.22
Revenue Growth (YoY)	20.14%	12.62%	15.54%	7.63%	40.47%	-0.30%
Salaries and Employee Benefits	92.77	86.53	68.64	55.5	44.32	37.39
Occupancy Expenses	13.4	13	12.44	13.05	14.1	12.74
Selling, General & Administrative	104.96	96.93	76.56	77.69	56.19	59.93
Other Non-Interest Expense	11.41	9.95	8.47	7.79	12.32	3.14
Total Non-Interest Expense	222.53	206.42	166.11	154.02	126.93	113.21
EBT Excluding Unusual Items	135.02	128.45	131.23	103.33	112.18	57.01
Pretax Income	135.02	128.45	131.23	103.33	112.18	57.01
Income Tax Expense	31.97	30.33	30.36	21.09	28.73	14.33
Net Income	103.05	98.12	100.87	82.24	83.45	42.68
Net Income to Common	103.05	98.12	100.87	82.24	83.45	42.68
Net Income Growth	8.04%	-2.72%	22.66%	-1.45%	95.53%	3.49%
Basic Shares Outstanding	384	378	378	333	333	333
Diluted Shares Outstanding	405	400	400	355	352	353
Shares Change (YoY)	-0.26%	-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	6.77%	-3.85%	13.04%	-4.17%	100.00%	-
Dividend Per Share	0.080	0.080	-	-	-	-
Effective Tax Rate	23.68%	23.61%	23.13%	20.41%	25.61%	25.14%

Updated Mar 13, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.