Embedding financing into the shopping journey and helping merchants to grow their business

Inbank’s financing solutions are embedded seamlessly into the shopping journey of 5,400 partners helping them grow their businesses.

Loan portfolio


+25% year-on-year

Net profit


+92% year-on-year



Annual Results 2022

In 2022 Inbank earned a net profit of 21.1 million euros which is 92% more than the year before. The annual return on equity was 23.3%. Inbank’s loan portfolio increased by 25% annually reaching 755 million euros. At the same time, the deposit portfolio grew 34%, reaching 829 million euros at year-end. Gross merchandise value reached 577 million euros and grew 10% year-on-year.

Annual Report

€ 2bn

Volume financed

865 000

Active contracts

5 400


Our success factors

Value adding

We operate through an effective B2B distribution network that enables us to be part of the end-to-end customer journey and utilise B2C retention and cross-sales.


Thanks to our scalable proprietary technology and agile organisation, we can grow fast within our home markets as well as expand to new markets in Europe through partnerships with leading local merchants.


We have built a profitable business model since inception. Despite a difficult year, we earned a record profit of 21.1 million euros in 2022.


EU banking license and strong international investor base ensure sustainable funding to support growth. Our bonds are listed on Nasdaq Tallinn Stock Exchange.

Our story

Inbank operates in the Baltic and Polish consumer finance markets and accepts deposits from Germany, Austria and the Netherlands. We are a team of 300+ people working across our offices in Tallinn, Riga, Vilnius, Kaunas, Klaipeda, Warsaw, Gdansk and Prague.