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	Jun '26 Jun 30, 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	936.6	816.04	686.83	556.23	391.23	319.93
Interest Income on Investments	30.92	40.68	35.52	21.33	2.35	0.1
Total Interest Income	967.52	856.72	722.35	577.56	393.58	320.04
Interest Paid on Deposits	335.43	308.03	295.5	204.69	73.89	38.61
Net Interest Income	632.09	548.69	426.85	372.86	319.69	281.43
Net Interest Income Growth	36.44%	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	83.68	61.74	65.33	43.68	36.8	36.56
Total Non-Interest Income	83.68	61.74	65.33	68.22	37.89	38.57
Non-Interest Income Growth	19.25%	-5.48%	-4.24%	80.05%	-1.75%	-8.95%
Revenues Before Loan Losses	715.76	610.43	492.18	441.08	357.58	319.99
Provision for Loan Losses	227.95	197.08	157.32	143.74	100.23	80.88
Revenue	487.81	413.35	334.87	297.34	257.35	239.11
Revenue Growth	32.30%	23.44%	12.62%	15.54%	7.63%	40.47%
Salaries and Employee Benefits	101.63	94.2	86.53	68.64	55.5	44.32
Occupancy Expenses	13.96	13.94	13	12.44	13.05	14.1
Selling, General & Administrative	159.37	138.73	96.93	76.56	77.69	56.19
Other Non-Interest Expense	13.05	12.76	9.95	8.47	7.79	12.32
Total Non-Interest Expense	288.01	259.62	206.42	166.11	154.02	126.93
EBT Excluding Unusual Items	199.8	153.72	128.45	131.23	103.33	112.18
Pretax Income	199.8	153.72	128.45	131.23	103.33	112.18
Income Tax Expense	42.46	30.94	30.33	30.36	21.09	28.73
Net Income	157.34	122.79	98.12	100.87	82.24	83.45
Net Income to Common	157.34	122.79	98.12	100.87	82.24	83.45
Net Income Growth	60.88%	25.13%	-2.72%	22.66%	-1.45%	95.53%
Basic Shares Outstanding	443	409	378	378	333	333
Diluted Shares Outstanding	453	423	400	400	355	352
Shares Change	13.73%	5.87%	-0.03%	12.80%	0.68%	-0.11%
EPS (Basic)	0.36	0.30	0.26	0.27	0.25	0.25
EPS (Diluted)	0.35	0.29	0.25	0.26	0.23	0.24
EPS Growth	38.82%	16.00%	-3.85%	13.04%	-4.17%	100.00%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.090	0.090	0.080	-	-	-
Dividend Growth	12.50%	12.50%	-	-	-	-
Effective Tax Rate	21.25%	20.13%	23.61%	23.13%	20.41%	25.61%