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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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INBANK FINANCE AS's activity report 2022

AS Inbank Finance was established in 2021 and was created based on the assets of AS Inbank (parent company), who made both monetary and non-monetary contributio
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AS Inbank Finance was established in 2021 and was created based on the assets of AS Inbank (parent company), who made both monetary and non-monetary contributions to the company. AS Inbank Finance offers consumer financing solutions in Estonia through a comprehensive network of merchant partners. In collaboration with merchants, we work to ensure the best sales tools for our partners and the smoothest shopping experience for customers. The most important thing in the field of consumer finance is the good availability of the service. Therefore, we have taken financing out of banks and into

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