Simplifying everyday life by seamlessly merging financing with shopping

Inbank designs digital financial products that seamlessly merge financing and payments with shopping ultimately empowering people to improve their quality of life.

Solid results in turbulent times

Despite challenging times, Inbank has maintained solid profitability and a strong equity position while continuing to invest in new products and people to support future growth.

Loan portfolio

€402m

+19% year-on-year

Net profit

€5.9m

-41% year-on-year

ROE

10.8%

Annual Results 2020

In times of a global coronavirus crisis, Inbank reports a healthy €5.9 million profit in 2020. Our loan portfolio grew 19%, reaching €402 million while the deposit portfolio increased 4%, reaching €391 million at year-end. The annual sales volume was up 4% reaching €300 million euros.

More info

€ 1bn

Volume financed

737,000+

Active contracts

4,300+

Partners

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.

Scalable

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.

Profitable

We have built a profitable business model since inception. While the global downturn has affected the 2020 annual profit, our capitalisation is at its highest level for the past two years at 18.6%.

Sustainable

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 250+ people working across our offices in Tallinn, Riga, Vilnius, Kaunas, Klaipeda, Warsaw and Gdansk.