We are building the shopping experience of tomorrow

Inbank helps merchants sell better by integrating consumer financing solutions into the shopping experience. Thanks to our proprietary digital technology and easily integrated financing solutions we are enabling customers to have a frictionless end-to-end shopping journey.

Another year of solid growth

Inbank has maintained strong profitability and a desired risk profile while continuing to grow fast on all markets simultaneously increasing investments in people and technology.

Loan portfolio

€ 338 m

+50% year-on-year

Net profit

€ 10 m

+8% year-on-year

ROE

24%

Annual Results 2019

In 2019, our annual profit reached the EUR 10 million threshold for the first time. Our loan portfolio grew 50%, reaching EUR 338 million while the deposit portfolio increased 57%, reaching EUR 378 million at year end. The annual sales volume in 2019 was EUR 305 million: up 46% year-on-year.

Annual Report

€ 800 m

Volume financed

550,000+

Active contracts

2,000+

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 consumer 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. Over the past five years our profit has grown from 0.9 to 10 million euros. We have maintained a solid 24% ROE in 2019.

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 EUR 48 billion Baltic and Polish consumer finance markets, and also accepts deposits from Germany, Austria and the Netherlands. We are a team of 215 people working across our offices in Tallinn, Riga, Vilnius, Kaunas, Klaipeda, Warsaw and Gdansk.