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	Sep '26 Sep 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	816.04	816.04	686.83	556.23	391.23	319.93
Interest Income on Investments	227.49	40.68	35.52	21.33	2.35	0.1
Total Interest Income	1,044	856.72	722.35	577.56	393.58	320.04
Interest Paid on Deposits	357.84	308.03	295.5	204.69	73.89	38.61
Net Interest Income	685.68	548.69	426.85	372.86	319.69	281.43
Net Interest Income Growth	37.57%	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	104.43	61.74	65.33	43.68	36.8	36.56
Total Non-Interest Income	104.43	61.74	65.33	68.22	37.89	38.57
Non-Interest Income Growth	65.93%	-5.48%	-4.24%	80.05%	-1.75%	-8.95%
Revenues Before Loan Losses	790.11	610.43	492.18	441.08	357.58	319.99
Provision for Loan Losses	270.38	197.08	157.32	143.74	100.23	80.88
Revenue	519.73	413.35	334.87	297.34	257.35	239.11
Revenue Growth	34.37%	23.44%	12.62%	15.54%	7.63%	40.47%
Salaries and Employee Benefits	107.79	94.2	86.53	68.64	55.5	44.32
Occupancy Expenses	14.11	13.94	13	12.44	13.05	14.1
Selling, General & Administrative	170.2	138.73	96.93	76.56	77.69	56.19
Other Non-Interest Expense	13.24	12.76	9.95	8.47	7.79	12.32
Total Non-Interest Expense	305.33	259.62	206.42	166.11	154.02	126.93
EBT Excluding Unusual Items	214.4	153.72	128.45	131.23	103.33	112.18
Pretax Income	214.4	153.72	128.45	131.23	103.33	112.18
Income Tax Expense	46.11	30.94	30.33	30.36	21.09	28.73
Net Income	168.29	122.79	98.12	100.87	82.24	83.45
Net Income to Common	168.29	122.79	98.12	100.87	82.24	83.45
Net Income Growth	65.34%	25.13%	-2.72%	22.66%	-1.45%	95.53%
Basic Shares Outstanding	473	409	378	378	333	333
Diluted Shares Outstanding	485	423	400	400	355	352
Shares Change	11.90%	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	45.11%	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	Sep '26 Sep 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	21.50%	20.13%	23.61%	23.13%	20.41%	25.61%