Instabank ASA – Record Q4 2025 and full-year 2025 profits

06 Feb 2026 07:00 CET

Instabank ASA (ticker: INSTA) reports a record fourth quarter and strong
full-year performance for 2025, reflecting solid lending growth, improved
profitability, disciplined cost control, and continued execution on its growth
strategy.

Highlights Q4 2025:
- Record profit after tax of 47.8 MNOK, an increase of 17.2 MNOK from Q3 2025,
positively impacted by strong income growth and year-end tax effects.

- Strong underlying lending growth, by 571 MNOK, adjusted for the successful
sale of NPLs totalling 301 MNOK with a positive P&L impact.

- Cost-to-income ratio improved to 38%, reflecting economies of scale and
continued cost discipline.

-Instabank is well positioned for accelerating growth in 2026 following the
successful capital raise of 205 MNOK. Instabank targets lending growth of
3,000–3,500 MNOK in 2026.


Strategic and operational progress
In 2025, Instabank successfully launched credit cards in Germany, marking an
important strategic milestone and expanding the bank’s unsecured consumer
lending offering beyond traditional consumer loans. After nine months of
operation, distribution and operational processes have been optimised, and the
German credit card portfolio is positioned for accelerated growth.

Full-year 2025 performance
Instabank delivered its strongest full-year profitability to date in 2025 by a
profit after tax of 122.8 MNOK, supported by diversified growth across credit
cards, mortgages, business lending and consumer loans, combined with scalable
operations.

Outlook
Instabank is well positioned for accelerating growth in 2026. The bank targets
lending growth of MNOK 3,000–3,500 in 2026 and expects profit after tax to be in
the range of 160 MNOK to 185 MNOK.

Comment from CEO Robert Berg:
“2025 represents a major step forward for Instabank. We delivered our strongest
full-year result ever, achieved record profitability in the fourth quarter of
2025, and successfully launched credit cards in Germany. With a strengthened
capital base and a scalable platform, we are well positioned to accelerate
growth and value creation in 2026.”

For further details, please refer to the full Q4-2025 interim report attached to
this message.

Contacts:
Robert Berg, CEO – robert.berg@instabank.no
Per Kristian Haug, CFO – perkristian.haug@instabank.no

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

More information:
Access the news on Oslo Bors NewsWeb site

665015_Instabank_Interim_Report_Q4-25.pdf
665015_Instabank_Q4_2025_Presentation.pdf