2J·

Instabank ASA - Record profits in the fourth quarter of 2025 and in the full year 2025

$INSTA (+1,22 %)

Instabank ASA (ticker: INSTA) reports a record-breaking fourth quarter and strong full-year performance for 2025

full-year performance for 2025, reflecting solid loan growth, improved profitability

profitability, disciplined cost control and continued execution of its growth strategy.

strategy.

Fourth quarter 2025 highlights:

- Record profit after tax of MNOK 47.8, an increase of MNOK 17.2 compared to the third quarter of 2025,

positively impacted by strong revenue growth and year-end tax effects.

- Strong underlying loan growth of MNOK 571, adjusted for the successful sale of NPLs totaling

sale of NPLs totaling MNOK 301 and positive profit and loss impact.

- The cost/income ratio improved to 38%, reflecting economies of scale and continued cost discipline.

reflecting economies of scale and continued cost discipline.

-Instabank is now in a strong position following the successful

capital raising of 205 MNOK, Instabank is well positioned to accelerate growth in 2026. Instabank targets loan growth of

3,000-3,500 MNOK in 2026.

Strategic and operational progress

In 2025, Instabank successfully launched credit cards in Germany, marking an important strategic milestone

and expanded the bank's unsecured consumer credit offering

of the bank beyond traditional consumer loans. After nine months of

operations, sales and operational processes have been optimized, and the

German credit card portfolio is positioned for accelerated growth.

Full-year performance 2025

Instabank achieved its strongest ever profitability in 2025 with

year to date with profit after tax of MNOK 122.8, supported by diversified growth in credit cards

credit cards, mortgages, business loans and consumer loans, combined with scalable

activities.

Outlook

Instabank is well positioned to accelerate growth in 2026. The bank is targeting loan growth of MNOK 3,000-3,500 in

2026 and expects a profit after tax

in the range of MNOK 160-185.

CEO Robert Berg comments:

"2025 represents a major step forward for Instabank. We achieved our strongest full-year

full-year results ever, achieved record profitability in the fourth quarter of

2025 record profitability and successfully launched credit cards in Germany. With a strengthened

capital base and a scalable platform, we are well positioned to accelerate growth and value creation in 2026."

Instabank ASA – Rekordgewinne im vierten Quartal 2025 und im Gesamtjahr 2025

@TradingHase
@Dividendenopi
@Get_Rich_or_Die_Tryin

23 Commentaires

Dividendenopi👴@Dividendenopi

Very nice, thank you. You have confirmed what I said in your initial presentation about the need to wait and see. The direction is right. Regardless of the fact that they are a small company, they are on the right track. At the time, I had already seen the merger with the Finnish subsidiary as rather positive, as it will enable greater market access. And if they do it right, cost structures can be merged and made more efficient. As the saying goes... a certain size leads to a certain stability. What I haven't looked into are figures on the Finnish subsidiary and how their business is set up. If this is anything like how they are positioned in the German market, I still see this as a point to watch out for. Unsecured consumer loans and credit cards offer higher margins, but also a higher default risk. You would have to look at how the Finnish subsidiary behaves to see what risk you are taking on. So far, I think that in an extreme case, the subsidiary would be allowed to go under, and after the merger, it would be a case of "you get what you pay for". In general, a FinTech like many others with Northern European discipline as a plus point, a small fish in a big pond with ambitious goals. I'll have to take a closer look at the dividend tomorrow, and if the figures are right, I'll consider an initial investment. I'll let you know

•

TradingHase@TradingHase

The hare is outraged by his abduction!!!!
A special task force is already on its way to secure an early release from the Northmen's hostage-taking.

•

Tenbagger2024@Tenbagger2024

@TradingHase It wasn't a kidnapping. The rabbit was only a major investor at instabank's Annual General Meeting

•

Kate🦋@Iwamoto

@TradingHase How is it possible that he reproduced the identical hare?

•

TradingHase@TradingHase

@Iwamoto KI? 😂

•

Tenbagger2024@Tenbagger2024

@TradingHase
Are you miffed because I copied the rabbit?

••

Kate🦋@Iwamoto

@Tenbagger2024 This is not a copy. This rabbit is female. 🤔

•

TradingHase@TradingHase

@Tenbagger2024 Nonsense! What makes you think that?

••

Tenbagger2024@Tenbagger2024

@Iwamoto Which one do you mean

••

Tenbagger2024@Tenbagger2024

@TradingHase had the feeling

••

TradingHase@TradingHase

@Tenbagger2024 Quatsch 😉

•

Tenbagger2024@Tenbagger2024

@TradingHase I can't assess you very well

•

Voir toutes les 2 autres réponses

Get_Rich_or_Die_Tryin@Get_Rich_or_Die_Tryin

Otherwise: I've often read about it here, but it's simply too small for me. In terms of "margin profile" etc., I prefer $JPM and $D05. These are actually my favorite banks.😁😉

But: Hats off to such an achievement at such a small bank. And thanks for the additional insights into Instabank's operating business.🙏🏻

•

Tenbagger2024@Tenbagger2024

@Get_Rich_or_Die_Tryin how do you continue to see $GILT

•

Get_Rich_or_Die_Tryin@Get_Rich_or_Die_Tryin

@Tenbagger2024 still interesting (not for my current approach). However, given the way it has performed over the past year and the current fundamentals and valuation, I would see an entry point here at under €10. At the current level, it would be too hot for me, even if it were suitable.

••

Get_Rich_or_Die_Tryin@Get_Rich_or_Die_Tryin

@TradingHase He stole the rabbit.😱🤯😂

••

Tenbagger2024@Tenbagger2024

@Get_Rich_or_Die_Tryin the hare is a major investor in Instabank

•

Get_Rich_or_Die_Tryin@Get_Rich_or_Die_Tryin

@Tenbagger2024 I know, I had that vaguely on my screen 😉

•

Keks@Dachbodentroll

@Tenbagger2024 nothing can go wrong with the hare's shirt!

•

Tenbagger2024@Tenbagger2024

@TradingHase will you stay invested?

••

TradingHase@TradingHase

@Tenbagger2024 I am currently staying invested and monitoring the further development. With such a small bank, there is of course a high risk of going into difficulties in the event of several loan defaults.
However, I don't yet see it as a long-term investment.
So, as I said, I'll keep an eye on it and if it gets too hot for me I'll take the profits.

••