4. kvartali tulemused<\/p>\n
- \n
- Neljanda kvartali tulemusi m\u00f5jutasid Poola maksuvarade \u00fcmberhindamise \u00fchekordne positiivne m\u00f5ju ja eelmise aasta madal v\u00f5rdlusbaas. Ilma Poola maksum\u00f5juta oleks neljanda kvartali puhaskasum olnud 4,5 miljonit eurot ja ROE 10,8%.<\/li>\n
- 2025. aasta neljandas kvartalis ulatus Inbanki netotulu 21,8 miljoni euroni, kasvades aastatagusega v\u00f5rreldes 5%. Tegevuskulud suurenesid 12,2 miljoni euroni, peegeldades j\u00e4tkuvaid investeeringuid kasvu ja platvormi arendamisse. Kulud kasvasid eelmise kvartaliga v\u00f5rreldes 7% ning v\u00e4henesid aastatagusega v\u00f5rreldes 14%.\u00a0<\/li>\n
- Viimases kvartalis ulatus Inbanki m\u00fc\u00fcgimaht 203 miljoni euroni, kasvades aastatagusega v\u00f5rreldes 8%. Kaupmeeste lahendused j\u00e4id suurimaks segmendiks, mille m\u00fc\u00fcgimaht ulatus 77 miljoni euroni ja kasvas aastases v\u00f5rdluses 22%, seda \u201eosta kohe, maksa hiljem\u201c toodete tugeva n\u00f5udluse toel Balti riikides.\u00a0<\/li>\n
- Rohefinantseerimise m\u00fc\u00fcgimaht kasvas aastatagusega v\u00f5rreldes 48% ja ulatus 37 miljoni euroni. V\u00e4ikelaenude m\u00fc\u00fcgimaht oli 30 miljonit eurot ning kasvas aastatagusega v\u00f5rreldes 29%. Autode finantseerimise m\u00fc\u00fcgimaht oli 42 miljonit eurot ja see langes aastases v\u00f5rdluses 25%. Renditeenuste m\u00fc\u00fck ulatus neljandas kvartalis 17 miljoni euroni, langedes aastases v\u00f5rdluses 18%. M\u00f5lemat segmenti m\u00f5jutasid oluliselt Eestis 2025. aasta alguses kehtestatud mootors\u00f5idukimaks ning 2024. aasta neljanda kvartali k\u00f5rge v\u00f5rdlusbaas.\u00a0<\/li>\n
- Laenude ja n\u00f5uete allahindlused moodustasid neljandas kvartalis 1,64% keskmisest laenude ja renditeenuste portfellist.<\/li>\n
- Oktoobris emiteeris Inbank 8 miljoni euro v\u00e4\u00e4rtuses allutatud v\u00f5lakirju intressim\u00e4\u00e4raga 6,25%. Detsembris viis Inbank l\u00e4bi ka 5,3 miljoni euro suuruse aktsiaemissiooni, tugevdades sellega ettev\u00f5tte kapitalibaasi.\u00a0<\/li>\n
- Detsembris suurendas Inbank oma osalust Mobire Groupis 100%-ni, saades Baltikumi juhtiva autode t\u00e4isteenusrendi ettev\u00f5tte ainuomanikuks.\u00a0<\/li>\n<\/ul>\n
Tulemusi kommenteerib Inbanki tegevjuht Priit P\u00f5ldoja:<\/p>\n
\u201e2025. aasta jagunes paljuski kaheks ning l\u00f5ppes korraliku kasvuga. Esimeses kvartalis taastusime veel 2024. aasta k\u00f5rgematest intressim\u00e4\u00e4radest ja aeglasemast kasvust. Kevadel otsustasime oma kasvueesm\u00e4rke hoogustada ning suurendasime m\u00fc\u00fcki enamikul turgudel ja tooter\u00fchmades. Selle tulemusel kasvas m\u00fc\u00fcgimaht 10% rekordilise 770 miljoni euroni ning puhaskasum suurenes aastatagusega v\u00f5rreldes 57%. Tegutseme kasumlikult juba 14. aastat j\u00e4rjest.<\/p>\n
Kesk- ja Ida-Euroopa \u00e4rimahtude kiireneva kasvu ning turu intressim\u00e4\u00e4rade languse taustal parandasime marginaale ja hoidsime tegevuskulud kontrolli all, samal ajal kui krediidikulud j\u00e4id seatud eesm\u00e4rgi piiresse. Neljanda kvartali tulemusi m\u00f5jutasid \u00fchekordne positiivne maksuefekt Poolas ja madal v\u00f5rdlusbaas. Tugev m\u00fc\u00fck p\u00f5hitoodetes, paranenud kasumlikkus ning j\u00e4tkuv edasiminek nii tootearenduses kui uute partnerluste loomisel annavad Inbankile 2026. aastaks hea l\u00e4htepositsiooni.\u201c<\/p>\n
Olulised finantsn\u00e4itajad 31.12.2025 seisuga<\/p>\n
Varade maht: 1,58 miljardit eurot
Laenude ja renditeenuste portfell: 1,28 miljardit eurot
Hoiuseportfell: 1,3 miljardit eurot
Omakapital: 171 miljonit eurot
Puhaskasum: 19,2 miljonit eurot
Omakapitali tootlus: 12,3%<\/p>\n\n Konsolideeritud kasumiaruanne (tuhandetes eurodes)<\/td>\n<\/tr>\n \n \u00a0<\/td>\n IV kvartal 2025<\/td>\n IV kvartal 2024<\/td>\n 12 kuud 2025<\/td>\n 12 kuud 2024<\/td>\n<\/tr>\n \n Intressitulu sisemise intressim\u00e4\u00e4ra meetodil<\/td>\n \u00a032 604<\/td>\n \u00a032 495<\/td>\n \u00a0127 646<\/td>\n \u00a0121 441<\/td>\n<\/tr>\n \n Intressikulu<\/td>\n – 13 618<\/td>\n – 13 662<\/td>\n – 53 404<\/td>\n – 53 949<\/td>\n<\/tr>\n \n Neto intressitulu<\/td>\n \u00a018 986<\/td>\n \u00a018 833<\/td>\n \u00a074 242<\/td>\n \u00a067 492<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Komisjoni- ja teenustasutulu<\/td>\n \u00a0 161<\/td>\n \u00a0 51<\/td>\n \u00a0 216<\/td>\n \u00a0 366<\/td>\n<\/tr>\n \n Komisjoni- ja teenustasukulu<\/td>\n – 1 178<\/td>\n – 1 053<\/td>\n – 4 586<\/td>\n – 4 690<\/td>\n<\/tr>\n \n Neto teenustasutulu\/kulu<\/td>\n – 1 017<\/td>\n – 1 002<\/td>\n – 4 370<\/td>\n – 4 324<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Tulu renditeenustest<\/td>\n \u00a010 706<\/td>\n \u00a09 004<\/td>\n \u00a039 418<\/td>\n \u00a032 478<\/td>\n<\/tr>\n \n Eelnevalt klientidele renditud varade m\u00fc\u00fck<\/td>\n \u00a03 542<\/td>\n \u00a03 735<\/td>\n \u00a016 015<\/td>\n \u00a015 849<\/td>\n<\/tr>\n \n Muud p\u00f5hitegevusega seotud tulud<\/td>\n –\u00a0 77<\/td>\n –\u00a0 762<\/td>\n \u00a0 0<\/td>\n \u00a0 0<\/td>\n<\/tr>\n \n Amortisatsioonikulu rendivaradelt<\/td>\n – 4 927<\/td>\n – 4 076<\/td>\n – 18 438<\/td>\n – 14 471<\/td>\n<\/tr>\n \n Muud p\u00f5hitegevusega seotud kulud<\/td>\n – 2 130<\/td>\n – 1 653<\/td>\n –\u00a0 7<\/td>\n –\u00a0 7<\/td>\n<\/tr>\n \n Eelnevalt klientidele renditud m\u00fc\u00fcdud varade kulu<\/td>\n – 3 352<\/td>\n – 3 558<\/td>\n – 15 045<\/td>\n – 15 243<\/td>\n<\/tr>\n \n Neto renditeenusega seotud tulud\/kulud<\/td>\n \u00a03 762<\/td>\n \u00a02 690<\/td>\n \u00a014 737<\/td>\n \u00a011 977<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Netokahjum\/kasum \u00f5iglases v\u00e4\u00e4rtuses kajastatavatelt finantsvaradelt<\/td>\n \u00a0 31<\/td>\n \u00a0 186<\/td>\n \u00a0 337<\/td>\n \u00a0 9<\/td>\n<\/tr>\n \n Valuutakursi \u00fcmberhindluse kasumid\/kahjumid<\/td>\n \u00a0 54<\/td>\n –\u00a0 17<\/td>\n \u00a0 193<\/td>\n \u00a0 365<\/td>\n<\/tr>\n \n Neto kasum\/kahjum finantsinstrumentidelt<\/td>\n \u00a0 85<\/td>\n \u00a0 169<\/td>\n \u00a0 530<\/td>\n \u00a0 374<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Netotulud kokku<\/td>\n \u00a021 816<\/td>\n \u00a020 690<\/td>\n \u00a085 139<\/td>\n \u00a075 519<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n T\u00f6\u00f6j\u00f5ukulud<\/td>\n – 5 609<\/td>\n – 5 260<\/td>\n – 22 472<\/td>\n – 19 986<\/td>\n<\/tr>\n \n Turunduskulud<\/td>\n – 1 041<\/td>\n –\u00a0 885<\/td>\n – 3 983<\/td>\n – 3 071<\/td>\n<\/tr>\n \n Halduskulud<\/td>\n – 3 602<\/td>\n – 5 263<\/td>\n – 12 670<\/td>\n – 14 547<\/td>\n<\/tr>\n \n P\u00f5hivara kulum<\/td>\n – 1 966<\/td>\n – 2 807<\/td>\n – 7 202<\/td>\n – 8 513<\/td>\n<\/tr>\n \n Tegevuskulud kokku<\/td>\n – 12 218<\/td>\n – 14 215<\/td>\n – 46 327<\/td>\n – 46 117<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Kasum sidusettev\u00f5tetelt<\/td>\n \u00a0 0<\/td>\n \u00a0 0<\/td>\n \u00a0 0<\/td>\n \u00a0 663<\/td>\n<\/tr>\n \n Laenude ja n\u00f5uete allahindluse kulu<\/td>\n – 5 253<\/td>\n – 5 197<\/td>\n – 19 338<\/td>\n – 16 355<\/td>\n<\/tr>\n \n Aruandeperioodi kasum enne tulumaksu<\/td>\n \u00a04 345<\/td>\n \u00a01 278<\/td>\n \u00a019 474<\/td>\n \u00a013 710<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Tulumaksu kulu<\/td>\n \u00a01 709<\/td>\n \u00a0 100<\/td>\n –\u00a0 317<\/td>\n – 1 497<\/td>\n<\/tr>\n \n Aruandeperioodi kasum<\/td>\n \u00a06 054<\/td>\n \u00a01 378<\/td>\n \u00a019 157<\/td>\n \u00a012 213<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Kirjed, mida v\u00f5ib edaspidi klassifitseerida kasumiaruandesse<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Realiseerimata kursivahed<\/td>\n \u00a0 55<\/td>\n –\u00a0 16<\/td>\n –\u00a0 180<\/td>\n –\u00a0 288<\/td>\n<\/tr>\n \n Aruandeperioodi koondkasum<\/td>\n \u00a06 109<\/td>\n \u00a01 362<\/td>\n \u00a018 977<\/td>\n \u00a011 925<\/td>\n<\/tr>\n \n Konsolideeritud finantsseisundi aruanne (tuhandetes eurodes)<\/td>\n<\/tr>\n \n \u00a0<\/td>\n 12\/31\/25<\/td>\n 12\/31\/24<\/td>\n<\/tr>\n \n Varad<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Raha ja raha ekvivalendid<\/td>\n \u00a0144 541<\/td>\n \u00a0153 191<\/td>\n<\/tr>\n \n Kohustuslikud reservid keskpankades<\/td>\n \u00a028 859<\/td>\n \u00a025 156<\/td>\n<\/tr>\n \n N\u00f5uded teistele pankadele<\/td>\n \u00a010 004<\/td>\n \u00a0 0<\/td>\n<\/tr>\n \n Investeeringud v\u00f5lakirjadesse<\/td>\n \u00a059 393<\/td>\n \u00a046 724<\/td>\n<\/tr>\n \n Finantsvarad \u00f5iglases v\u00e4\u00e4rtuses muutustega l\u00e4bi kasumiaruande<\/td>\n \u00a0 94<\/td>\n \u00a0 27<\/td>\n<\/tr>\n \n Laenud ja n\u00f5uded<\/td>\n 1 152 136<\/td>\n 1 041 542<\/td>\n<\/tr>\n \n Muud finantsvarad<\/td>\n \u00a03 610<\/td>\n \u00a04 569<\/td>\n<\/tr>\n \n Materiaalsed varad<\/td>\n \u00a0113 835<\/td>\n \u00a098 069<\/td>\n<\/tr>\n \n Vara kasutus\u00f5igus<\/td>\n \u00a020 469<\/td>\n \u00a020 551<\/td>\n<\/tr>\n \n Immateriaalsed varad<\/td>\n \u00a033 492<\/td>\n \u00a031 560<\/td>\n<\/tr>\n \n Muud varad<\/td>\n \u00a06 300<\/td>\n \u00a09 718<\/td>\n<\/tr>\n \n Edasil\u00fckkunud tulumaksu vara<\/td>\n \u00a07 299<\/td>\n \u00a04 707<\/td>\n<\/tr>\n \n Varad kokku<\/td>\n 1 580 032<\/td>\n 1 435 814<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Kohustised<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Klientide hoiused<\/td>\n 1 301 052<\/td>\n 1 171 359<\/td>\n<\/tr>\n \n Finantskohustised \u00f5iglases v\u00e4\u00e4rtuses muutustega l\u00e4bi kasumiaruande<\/td>\n \u00a0 265<\/td>\n \u00a0 503<\/td>\n<\/tr>\n \n Muud finantskohustised<\/td>\n \u00a051 601<\/td>\n \u00a058 137<\/td>\n<\/tr>\n \n Tulumaksukohustis<\/td>\n \u00a0 193<\/td>\n \u00a0 62<\/td>\n<\/tr>\n \n Edasil\u00fckkunud tulumaksu kohustis<\/td>\n \u00a01 350<\/td>\n \u00a0 533<\/td>\n<\/tr>\n \n Muud kohustised<\/td>\n \u00a05 735<\/td>\n \u00a05 618<\/td>\n<\/tr>\n \n Allutatud v\u00f5lav\u00e4\u00e4rtpaberid<\/td>\n \u00a048 866<\/td>\n \u00a052 046<\/td>\n<\/tr>\n \n Kohustised kokku<\/td>\n 1 409 062<\/td>\n 1 288 258<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Omakapital<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Aktsiakapital<\/td>\n \u00a01 178<\/td>\n \u00a01 152<\/td>\n<\/tr>\n \n \u00dclekurss<\/td>\n \u00a060 166<\/td>\n \u00a054 849<\/td>\n<\/tr>\n \n Kohustuslik reservkapital<\/td>\n \u00a0 115<\/td>\n \u00a0 109<\/td>\n<\/tr>\n \n Muud reservid<\/td>\n \u00a01 153<\/td>\n \u00a01 329<\/td>\n<\/tr>\n \n Jaotamata kasum<\/td>\n \u00a0108 358<\/td>\n \u00a090 117<\/td>\n<\/tr>\n \n Omakapital kokku<\/td>\n \u00a0170 970<\/td>\n \u00a0147 556<\/td>\n<\/tr>\n \n \u00a0<\/td>\n \u00a0<\/td>\n \u00a0<\/td>\n<\/tr>\n \n Kohustised ja omakapital kokku<\/td>\n 1 580 032<\/td>\n 1 435 814<\/td>\n<\/tr>\n Inbank on Euroopa Liidu pangalitsentsiga finantstehnoloogia ettev\u00f5te, mis \u00fchendab kaupmehi, tarbijaid ja finantsasutusi j\u00e4rgmise p\u00f5lvkonna embedded finance platvormil. Koost\u00f6\u00f6s enam kui 6000 kaupmehega on Inbankil 900 000+ aktiivset lepingut ja hoiuseid kogutakse seitsmes Euroopa riigis. Inbanki v\u00f5lakirjad on noteeritud Nasdaq Tallinna b\u00f6rsil.\u00a0<\/p>\n
Lisainfo:
Styv Solovjov
AS Inbank
investorsuhete juht
5645 9738
styv.solovjov@inbank.ee<\/p>\n- \n
- \n Inbank vahearuanne 2025 Q4<\/a>\n <\/li>\n
- \n Inbank Corporate Presentation 2025 Q4<\/a>\n <\/li>\n<\/ul>\n
![\"\"](\"https:\/\/www.europesays.com\/ee\/wp-content\/uploads\/2026\/02\/Inbank.png\")
<\/p>\n","protected":false},"excerpt":{"rendered":"2025. aastal kasvas Inbanki konsolideeritud puhaskasum 19,2 miljoni euroni, suurenedes aastatagusega v\u00f5rreldes 57%. Omakapitali tootlus (ROE) paranes aastases…\n","protected":false},"author":2,"featured_media":2581,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[131,130,37,33,35,34,36,2552,2551],"class_list":{"0":"post-116418","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ari","8":"tag-ari","9":"tag-business","10":"tag-ee","11":"tag-eesti","12":"tag-eesti-keel","13":"tag-estonia","14":"tag-estonian","15":"tag-inbank","16":"tag-tallinn-stock-exchangeinbb070026a"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/116137053703564302","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/116418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/comments?post=116418"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/116418\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/2581"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=116418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=116418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=116418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}} - \n Inbank Corporate Presentation 2025 Q4<\/a>\n <\/li>\n<\/ul>\n
- \n Inbank vahearuanne 2025 Q4<\/a>\n <\/li>\n