Instabank ASA Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	816.04	686.83	556.23	391.23	319.93
Interest Income on Investments	40.68	35.52	21.33	2.35	0.1
Total Interest Income	856.72	722.35	577.56	393.58	320.04
Interest Paid on Deposits	308.03	295.5	204.69	73.89	38.61
Net Interest Income	548.69	426.85	372.86	319.69	281.43
Net Interest Income Growth (YoY)	28.54%	14.48%	16.63%	13.60%	27.47%
Gain (Loss) on Sale of Investments	-	18.36	24.55	1.09	2.01
Other Non-Interest Income	61.74	46.97	43.68	36.8	36.56
Total Non-Interest Income	61.74	65.33	68.22	37.89	38.57
Non-Interest Income Growth (YoY)	-5.48%	-4.24%	80.05%	-1.75%	-8.95%
Revenues Before Loan Losses	610.43	492.18	441.08	357.58	319.99
Provision for Loan Losses	197.08	157.32	143.74	100.23	80.88
Revenue	413.35	334.87	297.34	257.35	239.11
Revenue Growth (YoY)	23.44%	12.62%	15.54%	7.63%	40.47%
Salaries and Employee Benefits	94.2	86.53	68.64	55.5	44.32
Occupancy Expenses	13.94	13	12.44	13.05	14.1
Selling, General & Administrative	138.73	96.93	76.56	77.69	56.19
Other Non-Interest Expense	12.76	9.95	8.47	7.79	12.32
Total Non-Interest Expense	259.62	206.42	166.11	154.02	126.93
EBT Excluding Unusual Items	153.72	128.45	131.23	103.33	112.18
Pretax Income	153.72	128.45	131.23	103.33	112.18
Income Tax Expense	30.94	30.33	30.36	21.09	28.73
Net Income	122.79	98.12	100.87	82.24	83.45
Net Income to Common	122.79	98.12	100.87	82.24	83.45
Net Income Growth	25.13%	-2.72%	22.66%	-1.45%	95.53%
Basic Shares Outstanding	614	378	378	333	333
Diluted Shares Outstanding	646	400	400	355	352
Shares Change (YoY)	61.59%	-0.03%	12.80%	0.68%	-0.11%
EPS (Basic)	0.20	0.26	0.27	0.25	0.25
EPS (Diluted)	0.19	0.25	0.26	0.23	0.24
EPS Growth	-24.00%	-3.85%	13.04%	-4.17%	100.00%
Dividend Per Share	-	0.080	-	-	-
Effective Tax Rate	20.13%	23.61%	23.13%	20.41%	25.61%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.