PRESS RELEASE
FEB 8 2026

Record Q4 2025 and full-year 2025 profits

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 totaling 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 target 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 increase 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 and 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.”