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 4,700 partners helping them grow their businesses.

Loan portfolio

€605m

+50% year-on-year

Net profit

€11m

+86% year-on-year

ROE

15.6%

Annual Results 2021

In 2021 Inbank earned a net profit of 11.0 million euros which is 86% more than the year before. The annual return on equity was 15.6%. Inbank’s loan portfolio increased by 50% annually reaching 605 million euros. At the same time, the deposit portfolio grew 58%, reaching 618 million euros at year-end. Total sales for 2021 was 498 million euros showing an increase of 66% compared to 2020.

Annual Report

€ 1.5bn

Volume financed

804 000+

Active contracts

4 700+

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. Despite a difficult year, we earned a record profit of 11 million euros in 2021.

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