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Visual21 Nov 2025
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Instabank (INSTA) investor relations material
Instabank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Profit before tax reached a record NOK 40.5 million in Q3 2025, up NOK 11.6 million from the previous quarter, driven by strong lending growth and cost control.
Gross lending expanded by NOK 368 million, marking the second consecutive quarter of all-time-high growth.
Business lending rose to NOK 858 million, now 10% of total lending, with a 17.7% yield.
German credit card portfolio gained traction, supported by the launch of AI-driven customer service.
Successful private placement of NOK 186.6 million after the balance date, providing capital for growth.
Financial highlights
Total income for Q3 2025 was NOK 156.3 million, up NOK 12.2 million from the previous quarter.
Net interest income rose to NOK 144.1 million, up 15% sequentially, with interest income at NOK 223.5 million.
Operating expenses were NOK 66.1 million, mainly from German credit card growth and advisory costs, with a cost/income ratio of 42%.
Profit after tax for Q3-25 was NOK 30.4 million, with 34 consecutive profitable quarters and a return on equity of 12.3%.
Loan losses at NOK 49.7 million (2.5% of gross loans), down NOK 1.3 million from previous quarter.
Outlook and guidance
Gross lending guidance for year-end 2025 is NOK 8.7 billion.
Lending growth target for 2025 is NOK 1.8–2.0 billion, with continued expansion in consumer finance, business lending, and German credit cards.
Return on equity outlook for 2025 is ~12%.
Profit after tax outlook for 2025 is NOK 117–120 million.
Ongoing Finnish banking license process aims to establish a pan-Nordic platform under EU regulation.
German credit card AI service scaling impact?
What drives business lending's high profitability?
New dividend policy: growth vs. shareholder return?
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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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