Instabank ASA Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	870.12	816.04	686.83	556.23	391.23	319.93
Interest Income on Investments	35.16	40.68	35.52	21.33	2.35	0.1
Total Interest Income	905.28	856.72	722.35	577.56	393.58	320.04
Interest Paid on Deposits	319.17	308.03	295.5	204.69	73.89	38.61
Net Interest Income	586.12	548.69	426.85	372.86	319.69	281.43
Net Interest Income Growth (YoY)	32.00%	28.54%	14.48%	16.63%	13.60%	27.47%
Gain (Loss) on Sale of Investments	-	-	-	24.55	1.09	2.01
Other Non-Interest Income	69.26	61.74	65.33	43.68	36.8	36.56
Total Non-Interest Income	69.26	61.74	65.33	68.22	37.89	38.57
Non-Interest Income Growth (YoY)	4.70%	-5.48%	-4.24%	80.05%	-1.75%	-8.95%
Revenues Before Loan Losses	655.38	610.43	492.18	441.08	357.58	319.99
Provision for Loan Losses	216.96	197.08	157.32	143.74	100.23	80.88
Revenue	438.42	413.35	334.87	297.34	257.35	239.11
Revenue Growth (YoY)	22.62%	23.44%	12.62%	15.54%	7.63%	40.47%
Salaries and Employee Benefits	94.56	94.2	86.53	68.64	55.5	44.32
Occupancy Expenses	13.85	13.94	13	12.44	13.05	14.1
Selling, General & Administrative	150.3	138.73	96.93	76.56	77.69	56.19
Other Non-Interest Expense	13.16	12.76	9.95	8.47	7.79	12.32
Total Non-Interest Expense	271.86	259.62	206.42	166.11	154.02	126.93
EBT Excluding Unusual Items	166.56	153.72	128.45	131.23	103.33	112.18
Pretax Income	166.56	153.72	128.45	131.23	103.33	112.18
Income Tax Expense	34.15	30.94	30.33	30.36	21.09	28.73
Net Income	132.41	122.79	98.12	100.87	82.24	83.45
Net Income to Common	132.41	122.79	98.12	100.87	82.24	83.45
Net Income Growth	28.49%	25.13%	-2.72%	22.66%	-1.45%	95.53%
Basic Shares Outstanding	430	409	378	378	333	333
Diluted Shares Outstanding	444	423	400	400	355	352
Shares Change (YoY)	9.55%	5.87%	-0.03%	12.80%	0.68%	-0.11%
EPS (Basic)	0.31	0.30	0.26	0.27	0.25	0.25
EPS (Diluted)	0.30	0.29	0.25	0.26	0.23	0.24
EPS Growth	15.21%	16.00%	-3.85%	13.04%	-4.17%	100.00%
Dividend Per Share	0.090	0.090	0.080	-	-	-
Dividend Growth	12.50%	12.50%	-	-	-	-
Effective Tax Rate	20.50%	20.13%	23.61%	23.13%	20.41%	25.61%