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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Instabank
Instabank (INSTA) investor relations material
Instabank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary6 Nov, 2026
Executive summary
Record Q3 lending growth of NOK 959m (+9.5% QoQ) lifted gross loans to NOK 11,064m, up 35% LTM; all four lending segments grew.
Profit before tax was NOK 55.1m, up 36% YoY; cost/income improved 6 pp to 36%, with 38 consecutive profitable quarters.
German credit cards generated half of lending growth; excluding Q2’s NOK 11.8m provision release, Q3 PBT rose NOK 4.7m QoQ.
Financial highlights
Total income reached NOK 230.7m, up 48% YoY; net interest income rose 37% to NOK 197.7m, while total interest income increased NOK 76.0m to NOK 299.5m.
Operating expenses were NOK 83.4m, up 26% YoY; income grew NOK 74m while expenses rose NOK 17m.
Profit after tax was NOK 41.4m in Q3; YTD profit after tax was NOK 120.7m, up 60% YoY. Q3 basic and diluted EPS were NOK 0.08.
Net other income was NOK 33.0m, up NOK 20.8m YoY, primarily on higher German card commissions and fees; FX and securities gains fell to NOK 2.7m from NOK 9.3m QoQ.
Outlook and guidance
2026 guidance reiterated: lending growth of NOK 3.0–3.5bn and profit after tax of NOK 160–185m; FY outlook includes ~13% ROE and ~37% cost/income.
First-nine-month lending growth was NOK 2,568m; gross loans guidance is NOK 11.5–12.0bn.
2030 ambitions: NOK 30bn gross loans, profit after tax above NOK 800m, ROE above 22% and cost/income below 30%; 2035 loan-book ambition is NOK 50bn. These are ambitions, not guidance.
German cards remain the main growth engine; mortgage growth is expected to accelerate from Q4 after the October relaunch. Automation, AI and a new decision engine are intended to roughly double lending volume per employee.
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Latest events from Instabank
- Record Q4 profit amid restrained lending, IFRS 9 impairment charges and capital-constrained growth.INSTA
Q4 2019 - NPL sales cut risk as income grew and mortgage-led expansion advanced.INSTAQ4 2020
- Record Q4 profit and mortgage-led growth underpin ambitious 2022 targets.INSTAQ4 2021
- Lending growth lifted profit, while loan losses and impaired loans climbed.INSTAQ4 2023
- Record profit and lending growth, with German credit cards turning profitable and capital strengthened.INSTAQ2 2026
- Record lending growth, rising profits, and improved efficiency with strong German credit card expansion.INSTAQ1 2026
- Record profit, strong lending growth, and capital raise position for accelerated 2026 expansion.INSTAQ4 2025
- Record profit and lending growth, with new capital fueling further expansion.INSTAQ3 2025
- Record lending growth and European expansion drive income, with profits impacted by strategic investments.INSTAQ2 2025
Next Instabank earnings date
Q4 202612 Feb, 2027
Instabank
Next Instabank earnings date
Q4 202612 Feb, 2027
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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.