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Investor Relations14 Oct 2025
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Instabank (INSTA) investor relations material
Instabank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary15 Aug, 2025
Executive summary
Achieved record-high gross lending growth of 835 MNOK in Q2 2025, driven by organic growth and a mortgage portfolio acquisition.
Launched a credit card in Germany, marking a significant step in European expansion.
Profit before tax was 28.9 MNOK, impacted by extraordinary items related to strategic investments; adjusted profit before tax was 36.7 MNOK.
Strategic investments included higher loss provisions for German credit cards and costs for the Finnish banking license application.
Ongoing application for a Finnish banking license and planned redomiciliation/merger with Instabank Finland to support European growth.
Financial highlights
Total income rose to 144.1 MNOK in Q2-25, up 9.6 MNOK from the previous quarter.
Net interest income increased to 125.0 MNOK, up 7% from the previous quarter.
Operating expenses reached 64.2 MNOK, mainly due to German market entry and Finnish license costs.
Profit after tax was 21.7 MNOK in Q2-25.
Loan losses increased to 51.0 MNOK (2.7%), mainly from new German credit card and Finnish consumer loans.
Outlook and guidance
2025 profit after tax outlook is 125 MNOK, with a mid-term ambition of over 200 MNOK.
ROE target for 2025 is over 12%, with a mid-term ambition of over 15%.
Gross loans expected to reach 8.5 Bn NOK in 2025, with a mid-term goal of over 10 Bn NOK.
Strategic focus on expanding business lending, mortgages, and German credit card operations.
New dividend policy allows for distribution of excess capital as dividends.
Why did German credit card losses occur?
Assess the impact of CRR3 on capital.
Detail macro factors used for ECL model.
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Next Instabank earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Instabank ASA is a digital bank based in Norway, offering a range of financial services primarily to consumers. Its products include personal loans, savings accounts, and insurance, with services available in Norway, Sweden, Finland, and Germany. The bank operates fully online, providing flexible, customer-oriented financial solutions through its website and mobile platforms. Instabank also supports businesses by offering payment and financing solutions aimed at streamlining sales processes. The company is headquartered in Oslo, Norway, and its shares are listed on the Oslo Stock Exchange.
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