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Instabank
Instabank (INSTA) investor relations material
Instabank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
Achieved record profit after tax of 47.8 MNOK in Q4 2025, up 17.2 MNOK from Q3, aided by year-end tax adjustments and NPL sales.
Strong lending growth and disciplined cost control led to a cost-to-income ratio of 38%.
Completed a capital raise of 205 MNOK, enhancing growth capacity and capital ratios.
35 consecutive profitable quarters, with a pan-Nordic digital platform supporting scalable growth.
Ongoing application for a Finnish banking license and planned merger with Instabank Finland to support EU expansion.
Financial highlights
Total income rose to 175.5 MNOK in Q4 2025, up 19.2 MNOK from Q3, driven by organic lending growth and higher yields.
Net interest income increased due to a 20.1 MNOK rise in total interest income, while interest expenses declined slightly.
Operating expenses were 67.3 MNOK, with a 4 percentage point drop in cost-to-income ratio.
Loan loss ratio was 2.6% in Q4 2025, with impairment losses of 54.7 MNOK.
Gross loans to customers grew by 271 MNOK to 8,496 MNOK; deposits decreased by 101 MNOK to 8,162 MNOK.
Outlook and guidance
Targeting gross lending growth of 3,000–3,500 MNOK and profit after tax of 160–185 MNOK in 2026.
Ambition to exceed 11.5 Bn NOK in gross loans and maintain ROE around 15% in 2026.
Well positioned for >40% lending growth in 2026, driven by business lending and credit cards.
Continued investment in AI and automation to drive efficiency and customer experience.
Finnish banking license: What caused delays?
Reconcile segment profitability vs. P&L figures
Clarify NPL sales' net P&L impact
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Next Instabank earnings date
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Instabank
Next Instabank earnings date
Q1 20268 May, 2026
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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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