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Instabank

Capital/Financing Update • Dec 18, 2025

3636_rns_2025-12-18_b26de477-4a25-41fd-84e8-5b35ed6d845a.html

Capital/Financing Update

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Instabank ASA sells non-performing loans in Finland and Norway

Instabank has entered into an agreement to sell a significant portion of the bank’s non-performing unsecured loans (NPL) in Finland and Norway, representing a total gross booked value of approximately 287 million NOK. As a result of the transaction, Instabank’s total NPL ratio will decrease from 8.9 % to 5.8 % based on the situation at the end of Q3-2025.

The transaction will improve capital ratios, substantially reduce NPL exposure, and confirm the valuation of impaired loans, as it is operating profit-positive.

The transaction will be closed before the end of 2025.

For further information, please contact:

Robert Berg, CEO [email protected], +47 974 85 610

Per Kristian Haug, CFO, [email protected], + 47 952 38 717

This information is subject to the disclosure requirements pursuant to section 5-12 of the Norwegian Securities Trading Act.