Kolmanda kvartali l\u00f5pus oli Inbankil 915 000 aktiivset kliendilepingut ja \u00fcle 5900 kaupmehest koost\u00f6\u00f6partneri.\u00a0<\/li>\n<\/ul>\nTulemusi kommenteerib Inbanki tegevjuht Priit P\u00f5ldoja:
\u201eKogu 2025. aasta jooksul on Inbank j\u00e4rjepidevalt parandanud nii m\u00fc\u00fcgi- kui ka finantstulemusi. Esimest korda Inbanki ajaloos j\u00f5udis meie m\u00fc\u00fcgimaht uue verstaposti, 204 miljoni euroni, mis on 14% rohkem kui aasta varem. Samuti ulatus meie kolmanda kvartali netotulu rekordilise 21,9 miljoni euroni, mis on 21% enam kui aasta tagasi.<\/p>\n
Oktoobri alguses viisime Nasdaq Tallinna b\u00f6rsil edukalt l\u00e4bi j\u00e4rjekordse teise taseme (Tier 2) v\u00f5lakirjaemissiooni, mis m\u00e4rgiti rohkem kui neli korda \u00fcle ning pakkus v\u00f5rdselt huvi nii jae- kui ka institutsionaalsetele investoritele. Emissiooniga kaasasime 8 miljonit eurot allutatud kapitali, et toetada Inbanki kasvu l\u00e4hiaastatel ning veelgi tugevdada meie kapitalipositsiooni.<\/p>\n
Meie eesm\u00e4rk on endiselt tagada kasumlik kasv, pakkudes samal ajal v\u00e4\u00e4rtust oma rohkem kui 5900 partnerile ja 625 000 aktiivsele kliendile. Rahvusvahelise kasvu toetamiseks tugevdame oma vundamenti \u2013 keskendudes paremale tootlusele, suuremale efektiivsusele ja tugevamale kapitalipositsioonile. 2025. aasta kolmas kvartal oli j\u00e4rjekordne verstapost sel teekonnal ning me ootame positiivsete muutuste j\u00e4tkumist ka j\u00e4rgmistes kvartalites. Samal ajal valmistub meie meeskond \u00e4ra kasutama uusi kasvuv\u00f5imalusi, et viia Inbanki integreeritud finantseerimislahendused rohkemate kaupmeeste ja klientideni nii meie senistel kui ka uutel turgudel Euroopas.\u201c<\/p>\n
Olulisemad finantsn\u00e4itajad 30.09.2025 seisuga
Varade maht: 1,59 miljardit eurot
Laenude ja renditeenuste portfell: 1,24 miljardit eurot
Hoiuseportfell: 1,32 miljardit eurot
Omakapital: 161 miljonit eurot
Puhaskasum: 5 miljonit eurot
Omakapitali tootlus: 12,5%<\/p>\n
Konsolideeritud kasumiaruanne (tuhandetes eurodes)<\/p>\n
\n| \u00a0<\/td>\n | III kvartal 2025<\/td>\n | III kvartal 2024<\/td>\n | 9 kuud 2025<\/td>\n | 9 kuud 2024<\/td>\n<\/tr>\n |
\n| Intressitulu sisemise intressim\u00e4\u00e4ra meetodil<\/td>\n | 32,003<\/td>\n | 30,870<\/td>\n | 95,042<\/td>\n | 88,946<\/td>\n<\/tr>\n |
\n| Intressikulu<\/td>\n | -13,178<\/td>\n | -13,603<\/td>\n | -39,786<\/td>\n | -40,287<\/td>\n<\/tr>\n |
\n| Neto intressitulu<\/td>\n | 18,825<\/td>\n | 17,267<\/td>\n | 55,256<\/td>\n | 48,659<\/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 | 33<\/td>\n | 98<\/td>\n | 55<\/td>\n | 315<\/td>\n<\/tr>\n |
\n| Komisjoni- ja teenustasukulu<\/td>\n | -1,295<\/td>\n | -1,268<\/td>\n | -3,408<\/td>\n | -3,637<\/td>\n<\/tr>\n |
\n| Neto teenustasutulu\/kulu<\/td>\n | -1,262<\/td>\n | -1,170<\/td>\n | -3,353<\/td>\n | -3,322<\/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 | 10,039<\/td>\n | 8,123<\/td>\n | 28,712<\/td>\n | 23,431<\/td>\n<\/tr>\n |
\n| Eelnevalt klientidele renditud varade m\u00fc\u00fck<\/td>\n | 4,205<\/td>\n | 3,992<\/td>\n | 12,473<\/td>\n | 12,114<\/td>\n<\/tr>\n |
\n| Muud p\u00f5hitegevusega seotud tulud<\/td>\n | 58<\/td>\n | 328<\/td>\n | 77<\/td>\n | 804<\/td>\n<\/tr>\n |
\n| Amortisatsioonikulu rendivaradelt<\/td>\n | -4,690<\/td>\n | -3,595<\/td>\n | -13,511<\/td>\n | -10,394<\/td>\n<\/tr>\n |
\n| Muud p\u00f5hitegevusega seotud kulud<\/td>\n | -1,731<\/td>\n | -1,657<\/td>\n | -5,083<\/td>\n | -4,984<\/td>\n<\/tr>\n |
\n| Eelnevalt klientidele renditud m\u00fc\u00fcdud varade kulu<\/td>\n | -3,997<\/td>\n | -3,949<\/td>\n | -11,693<\/td>\n | -11,685<\/td>\n<\/tr>\n |
\n| Neto renditeenusega seotud tulud\/kulud<\/td>\n | 3,884<\/td>\n | 3,242<\/td>\n | 10,975<\/td>\n | 9,286<\/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 | 325<\/td>\n | -1,372<\/td>\n | 306<\/td>\n | -177<\/td>\n<\/tr>\n |
\n| Valuutakursi \u00fcmberhindluse kasumid\/kahjumid<\/td>\n | 81<\/td>\n | 164<\/td>\n | 139<\/td>\n | 382<\/td>\n<\/tr>\n |
\n| Neto kasum\/kahjum finantsinstrumentidelt<\/td>\n | 406<\/td>\n | -1,208<\/td>\n | 445<\/td>\n | 205<\/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 | 21,853<\/td>\n | 18,131<\/td>\n | 63,323<\/td>\n | 54,828<\/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 | -5,494<\/td>\n | -5,033<\/td>\n | -16,863<\/td>\n | -14,726<\/td>\n<\/tr>\n |
\n| Turunduskulud<\/td>\n | -1,055<\/td>\n | -849<\/td>\n | -2,942<\/td>\n | -2,186<\/td>\n<\/tr>\n |
\n| Halduskulud<\/td>\n | -3,040<\/td>\n | -3,259<\/td>\n | -9,068<\/td>\n | -9,284<\/td>\n<\/tr>\n |
\n| P\u00f5hivara kulum<\/td>\n | -1,834<\/td>\n | -1,932<\/td>\n | -5,236<\/td>\n | -5,706<\/td>\n<\/tr>\n |
\n| Tegevuskulud kokku<\/td>\n | -11,423<\/td>\n | -11,073<\/td>\n | -34,109<\/td>\n | -31,902<\/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 | 0<\/td>\n | 663<\/td>\n | 0<\/td>\n | 663<\/td>\n<\/tr>\n |
\n| Laenude ja n\u00f5uete allahindluse kulu<\/td>\n | -4,740<\/td>\n | -3,832<\/td>\n | -14,085<\/td>\n | -11,158<\/td>\n<\/tr>\n |
\n| Aruandeperioodi kasum enne tulumaksu<\/td>\n | 5,690<\/td>\n | 3,889<\/td>\n | 15,129<\/td>\n | 12,431<\/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 | -682<\/td>\n | -796<\/td>\n | -2,026<\/td>\n | -1,597<\/td>\n<\/tr>\n |
\n| Aruandeperioodi kasum<\/td>\n | 5,008<\/td>\n | 3,093<\/td>\n | 13,103<\/td>\n | 10,834<\/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 | -96<\/td>\n | -15<\/td>\n | -235<\/td>\n | -272<\/td>\n<\/tr>\n |
\n| Aruandeperioodi koondkasum<\/td>\n | 4,912<\/td>\n | 3,078<\/td>\n | 12,868<\/td>\n | 10,562<\/td>\n<\/tr>\n Konsolideeritud finantsseisundi aruanne (tuhandetes eurodes)<\/p>\n |
\n| \u00a0<\/td>\n | 30.09.2025<\/td>\n | 31.12.2024<\/td>\n<\/tr>\n |
\n| Varad<\/td>\n | \u00a0<\/td>\n | \u00a0<\/td>\n<\/tr>\n |
\n| Raha ja raha ekvivalendid<\/td>\n | \u00a0212 010<\/td>\n | \u00a0153 191<\/td>\n<\/tr>\n |
\n| Kohustuslikud reservid keskpankades<\/td>\n | \u00a026 896<\/td>\n | \u00a025 156<\/td>\n<\/tr>\n |
\n| Investeeringud v\u00f5lakirjadesse<\/td>\n | \u00a052 041<\/td>\n | \u00a046 724<\/td>\n<\/tr>\n |
\n| Finantsvarad \u00f5iglases v\u00e4\u00e4rtuses muutustega l\u00e4bi kasumiaruande<\/td>\n | \u00a0 57<\/td>\n | \u00a0 27<\/td>\n<\/tr>\n |
\n| Laenud ja n\u00f5uded<\/td>\n | 1 123 594<\/td>\n | 1 041 542<\/td>\n<\/tr>\n |
\n| Muud finantsvarad<\/td>\n | \u00a04 297<\/td>\n | \u00a04 569<\/td>\n<\/tr>\n |
\n| Materiaalsed varad<\/td>\n | \u00a0103 279<\/td>\n | \u00a098 069<\/td>\n<\/tr>\n |
\n| Vara kasutus\u00f5igus<\/td>\n | \u00a020 680<\/td>\n | \u00a020 551<\/td>\n<\/tr>\n |
\n| Immateriaalsed p\u00f5hivarad<\/td>\n | \u00a033 061<\/td>\n | \u00a031 560<\/td>\n<\/tr>\n |
\n| Muud varad<\/td>\n | \u00a05 515<\/td>\n | \u00a09 718<\/td>\n<\/tr>\n |
\n| Edasil\u00fckkunud tulumaksu vara<\/td>\n | \u00a05 496<\/td>\n | \u00a04 707<\/td>\n<\/tr>\n |
\n| Varad kokku<\/td>\n | 1 586 926<\/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 | 1 318 930<\/td>\n | 1 171 359<\/td>\n<\/tr>\n |
\n| Finantskohustised \u00f5iglases v\u00e4\u00e4rtuses muutustega l\u00e4bi kasumiaruande<\/td>\n | \u00a0 417<\/td>\n | \u00a0 503<\/td>\n<\/tr>\n |
\n| Muud finantskohustised<\/td>\n | \u00a059 923<\/td>\n | \u00a059 135<\/td>\n<\/tr>\n |
\n| Tulumaksukohustis<\/td>\n | \u00a0 569<\/td>\n | \u00a0 62<\/td>\n<\/tr>\n |
\n| Edasil\u00fckkunud tulumaksu kohustis<\/td>\n | \u00a01 072<\/td>\n | \u00a0 533<\/td>\n<\/tr>\n |
\n| Muud kohustised<\/td>\n | \u00a04 378<\/td>\n | \u00a04 620<\/td>\n<\/tr>\n |
\n| Allutatud kohustised<\/td>\n | \u00a040 927<\/td>\n | \u00a052 046<\/td>\n<\/tr>\n |
\n| Kohustised kokku<\/td>\n | 1 426 216<\/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 152<\/td>\n | \u00a01 152<\/td>\n<\/tr>\n |
\n| \u00dclekurss<\/td>\n | \u00a054 892<\/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 337<\/td>\n | \u00a01 329<\/td>\n<\/tr>\n |
\n| Jaotamata kasum<\/td>\n | \u00a0103 214<\/td>\n | \u00a090 117<\/td>\n<\/tr>\n |
\n| Omakapital kokku<\/td>\n | \u00a0160 710<\/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 | 1 586 926<\/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 5900 kaupmehega on Inbankil 915 000+ 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_Q3<\/a>\n <\/li>\n
- \n Inbank_Corporate_Presentation_Q3_2025<\/a>\n <\/li>\n<\/ul>\n
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