Instabank ASA sells non-performing loans in Finland and Norway

18 Dec 2025 09:33 CET

Instabank has entered into an agreement to sell a significant portion of the
bank’s non-performing unsecured loans (NPL) in Finland and Norway, representing
a total gross booked value of approximately 287 million NOK. As a result of the
transaction, Instabank’s total NPL ratio will decrease from 8.9 % to 5.8 % based
on the situation at the end of Q3-2025.
The transaction will improve capital ratios, substantially reduce NPL exposure,
and confirm the valuation of impaired loans, as it is operating profit-positive.


The transaction will be closed before the end of 2025.

For further information, please contact:
Robert Berg, CEO rb@instabank.no, +47 974 85 610
Per Kristian Haug, CFO, ph@instabank.no, + 47 952 38 717

This information is subject to the disclosure requirements pursuant to section
5-12 of the Norwegian Securities Trading Act.

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