Instabank ASA Balance Sheet

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
Cash & Equivalents	322.25	415.53	242.4	191.25	281.28
Investment Securities	1,180	1,008	943.25	867.81	679.76
Trading Asset Securities	5.15	2.33	1.27	1.77	1.21
Total Investments	1,185	1,011	944.53	869.58	680.97
Gross Loans	8,673	6,825	6,423	4,948	4,070
Allowance for Loan Losses	-282.28	-236.44	-343.92	-200.58	-182.82
Other Adjustments to Gross Loans	-93.83	-88.29	-85.96	-73.12	-55.13
Net Loans	8,297	6,500	5,994	4,674	3,832
Property, Plant & Equipment	9.85	12.54	15.09	3.65	5.91
Other Intangible Assets	31.43	30.67	26.92	21.2	25.1
Other Receivables	22.74	15.92	31.12	39.53	6.32
Other Current Assets	23.73	22.78	21.82	-	-
Long-Term Deferred Tax Assets	-	-	1.88	-	-
Other Long-Term Assets	-	-	-	0	0
Total Assets	9,891	8,008	7,277	5,799	4,832
Accounts Payable	13.69	12.84	10.41	4.71	11.07
Accrued Expenses	18.3	14.56	10.9	29.8	12.46
Interest Bearing Deposits	8,162	6,747	6,127	4,852	4,047
Total Deposits	8,162	6,747	6,127	4,852	4,047
Short-Term Borrowings	1.11	3.03	22.82	0.54	0.34
Current Income Taxes Payable	30.46	20.19	32.97	25.07	29.34
Long-Term Debt	190	96	96	96	56
Long-Term Leases	9.4	11.98	14.19	3.83	6.27
Long-Term Deferred Tax Liabilities	8.73	8.26	-	0.73	2.96
Other Long-Term Liabilities	70.94	53.45	15.28	-	-
Total Liabilities	8,505	6,967	6,329	5,013	4,166
Common Stock	452.61	378.26	378.26	332.64	332.64
Additional Paid-In Capital	331.09	200.43	200.43	178.19	178.19
Comprehensive Income & Other	602.66	462.91	369.45	275.44	155.27
Shareholders' Equity	1,386	1,042	948.14	786.28	666.11
Total Liabilities & Equity	9,891	8,008	7,277	5,799	4,832
Total Debt	200.51	111.01	133.01	100.37	62.6
Net Cash (Debt)	126.89	306.85	110.66	92.65	219.89
Net Cash Growth	-58.65%	177.28%	19.44%	-57.86%	56.38%
Net Cash Per Share	0.30	0.77	0.28	0.26	0.62
Filing Date Shares Outstanding	452.61	378.26	378.26	332.64	332.64
Total Common Shares Outstanding	452.61	378.26	378.26	332.64	332.64
Book Value Per Share	2.74	2.53	2.29	2.12	1.88
Tangible Book Value	1,355	1,011	921.22	765.08	641.01
Tangible Book Value Per Share	2.67	2.45	2.22	2.06	1.80

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