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Ivar Kurvits

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Banks and other related services, products, consultations

INBANK AS's activity report 2022

12 CEO's Address 17 People and Culture 22 Environmental, Social and Governance Risks 25 Management 26 Good Corporate Governance Report 35 Key Financial Indicators and Ratios Consolidated Annual Financial Statements 37 Consolidated Statement of Financial Position 38 Consolidated Income Statement and Other Comprehensive Income Statement 39 Consolidated Cash Flow Statement 40 Consolidated Statement of Changes in Equity 41 Appendix 1 Significant Accounting Policies 62 Appendix 2 Significant Accounting Estimates 63 Appendix 3 Risk Management 78 Appendix 4 Operating Segments 81 Appendix 5 Net

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