When it comes to inbank publishes audited annual report for 2025, inbank has officially published its audited Annual Report for 2025, revealing a notable 57% increase in net profit year-on-year. The financial technology company reported a total net income of €85.1 million, alongside a robust return on equity of 12.3%, as it continues to expand its operations across Europe.
Understanding Inbank Publishes Audited Annual Report For 2025
The audited results confirm the figures presented in the unaudited Interim Report released on February 26, 2026. Inbank's operating expenses remained stable at €46.3 million, allowing the company to maintain its profitability amidst a growing market. The financial institution's net profit surged to €19.2 million, a significant jump that underscores its effective cost management and revenue generation strategies. Learn more on Investopedia.
In terms of efficiency, Inbank achieved a cost-income ratio of 54.4%, reflecting its commitment to optimizing operational performance. The strong Financial Results are attributed to a 10% increase in originated volume, which reached a record €770 million in 2025. This growth is particularly notable in Central and Eastern Europe, where volumes soared by 23% to €309 million.
Segment Performance and Growth Drivers
Inbank's merchant solutions segment remains its largest, achieving an originated volume of €272 million, thanks largely to the surging demand for Buy Now, Pay Later services throughout the Baltic region. This segment saw a year-on-year growth of 7%, showcasing the company's ability to adapt to consumer trends.
Green financing emerged as a key growth area, with an impressive increase of 65% to €146 million, significantly supported by heightened demand in Poland. Additionally, direct lending experienced a robust growth of 33%, totaling €119 million. However, car financing faced challenges, declining by 15% to €178 million, primarily due to the impact of Estonia's new car tax implemented at the beginning of 2025. Meanwhile, rental services maintained stability, contributing €54 million.
Solid Asset Growth and Customer Base Expansion
By the end of 2025, Inbank reported a loan and rental portfolio growth of 11%, reaching €1.28 billion. Customer deposits also increased by 11%, totaling €1.3 billion. These figures highlight the company's solid position in the market and its ability to attract and retain customers.
Total assets stood at €1.58 billion at year-end, reflecting the bank's strong financial foundation. Throughout the year, Inbank maintained a commendable credit quality, with annual credit costs at 1.59% of the average loan and rental portfolio, indicating effective risk management practices.
Capital Position and Market Presence
Inbank's capital position remains robust, with a total capital ratio of 18.81% and a Common Equity Tier 1 (CET1) ratio of 14.13% as of December 31, 2025. This strong capital base positions Inbank well for future growth and stability.
The company has established a significant presence in the European market, partnering with over 6,000 active retail merchants and maintaining 900,000 active customer contracts. This extensive network not only enhances its service offerings but also strengthens its competitive edge in the financial technology sector.
Inbank's bonds are listed on the Nasdaq Tallinn Stock Exchange, further solidifying its commitment to transparency and investor relations. The consolidated Annual Report is available in machine-readable.xhtmpl format (ESEF) and is digitally signed, enhancing accessibility for investors.
As Inbank moves forward, it will continue to leverage its technology-driven platform to foster growth and innovation in the financial services industry. The company's ability to adapt to changing market dynamics and consumer needs bodes well for its future performance.
Originally reported by Globenewswire_fr. View original.