Instabank ASA INSTA

What the company says it expects, and how often it has delivered on it.

Guidance in the latest report

• Lending growth (gross loans) target (2026)
  “We reiterate the targeted lending growth in the range of 3,000 –3,500 MNOK for 2026” (p. 9)
• Profit after tax guidance (2026)
  “and the guidance for profit after tax of 160 –185 MNOK for 2026” (p. 9)
• Expected return on equity for the year (2026)
  “We further expect a return on equity of approximately 13 % and a cost-to-income ratio of approximately 37 % for the year” (p. 9)
• Expected cost-to-income ratio for the year (2026)
  “We further expect a return on equity of approximately 13 % and a cost-to-income ratio of approximately 37 % for the year” (p. 9)
• Mortgage lending growth expected to pick up from Q4 after relaunch (Q4 2026)
  “The mortgage offering was relaunched in October 2026, and growth is expected to pick up from the fourth quarter.” (p. 6)
• Rising interest rates expected to increase funding costs (outlook)
  “Rising interest rates in Norway and the euro area are expected to increase funding costs and may put pressure on customers’ debt -servicing capacity.” (p. 9)
• Ambition for gross loans (not guidance) (2030)
  “The Board has endorsed an ambition to grow gross loans to approximately 30 billion NOK by 2030” (p. 8)
• Ambition for return on equity (not guidance) (2030)
  “with a return on equity above 22 %, a cost-to-income ratio of at most 30 % and profit after tax above 800 MNOK” (p. 8)
• Ambition for cost-to-income ratio (not guidance) (2030)
  “a cost-to-income ratio of at most 30 % and profit after tax above 800 MNOK” (p. 8)
• Ambition for profit after tax (not guidance) (2030)
  “a cost-to-income ratio of at most 30 % and profit after tax above 800 MNOK” (p. 8)
• Ambition for loan book (not guidance) (2035)
  “Towards 2035, the ambition is a loan book of 50 billion NOK.” (p. 8)

Guidance against the outcome

Amounts in NOK million. Each outcome counts from the day the report with the actual figure was published, as a backtest sees it. Hover a metric for the report's own words; click the date or the actual figure to open the report on its page.

Guidance only counts when it names a year or quarter and a figure the reports show: revenue, operating profit, margins, EPS and bank and insurance ratios. Read by an AI model and can be wrong. Not investment advice.