Notice on the public offer of AS subordinated bonds

AS Inbank (hereinafter Inbank) hereby announces a public offer of Inbank subordinated bonds (hereinafter Offer). The Offer is being made on the basis of the base prospectus approved by the Estonian Financial Supervisory Authority (hereinafter FSA) on November 29, 2021 which was published on the date of this announcement on the web pages of Inbank and the FSA (hereinafter Prospectus), and the final terms of the bonds. The public offering of the unsecured subordinated bonds will be made only in Estonia and in no other jurisdiction.

Main terms of the Offer

Inbank is offering to the public 12,000 subordinated bonds “EUR 5.50 Inbank Subordinated Bonds 21-2031” with the maturity date December 15, 2031 and a fixed interest rate of 5.5% per annum payable quarterly. In the event of an oversubscription of the bonds, Inbank has the right to increase the volume of the Offer up to 6,000 additional bonds, which means that the total number of bonds offered within the framework of the public offer can be up to ‘to 18,000. Subordinated bonds are offered at a price of EUR 1,000 per bond. Subordinated bonds are registered with the Nasdaq CSD SE under the ISIN code EE3300002302.

The bond subscription period begins on November 30, 2021 at 10:00 a.m. and ends on December 9, 2021 at 4:00 p.m. The offer will be aimed at all private and institutional investors in Estonia.

A subordinated bond represents an unsecured debt obligation of Bank in front of the investor. Subordination of obligations means that in the event of the liquidation or bankruptcy of Inbank, all claims arising from the subordinated obligations will become due and will only be satisfied after the full satisfaction of all claims recognized as unsubordinated in accordance with applicable law.

Detailed information is available in the Prospectus and in the summary of the Prospectus.

Offer calendar

Submit subscription commitments

In order to subscribe to subordinated bonds, during the subscription period, an investor must submit to the depositary holding the investor’s securities account open at the Nasdaq CSD SE a subscription commitment, which must contain the following data:

Listing and admission to trading of subordinated bonds

Inbank intends to submit an application to Nasdaq Tallinn AS for the listing and admission to trading of subordinated bonds on the Baltic Bond List of the Nasdaq Tallinn Stock Exchange. The scheduled date for listing and admission to trading is on or around December 16, 2021.

Although every effort is made and every precaution is taken to ensure the listing and admission to trading of the Subordinated Bonds, Inbank cannot guarantee that the Subordinated Bonds will be listed and admitted to trading.

Availability of the Prospectus and final conditions of the bonds

The Inbank prospectus and the final terms of the first series of bonds as well as a summary have been published and can be obtained in electronic format on the Inbank website https://inbank.ee/en/bonds and on the website of the Financial Supervisory Authority www .fi.ee. In addition, the Prospectus and the final terms of the first series of bonds as well as a summary are available through the information system of the Nasdaq Tallinn Stock Exchange.

Before investing in Inbank’s subordinated bonds, please read the Prospectus, its appendices, the final terms of the first series of bonds and the summary in its entirety and, if necessary, consult an expert. .

Inbank is a digital consumer-lending bank active in the Baltic States, Poland and the Czech Republic, with additional deposits accepted in Germany, Austria, the Netherlands and Finland. Inbank has more than 4,500 active partners and 743,000 active contracts. Bank bonds are listed on the Nasdaq Baltic Stock Exchange.

Additional information:

Merit Arva
AS Inbank
Head of communications
[email protected]
+372 553 3550

Important information

This notice is an announcement of securities within the meaning of Regulation No. 2017/1129 / EU of June 14, 2017 of the European Parliament and of the Council European Parliament and does not constitute an offer to sell subordinated bonds or an invitation to subscribe to subordinated bonds. subordinated bonds. An offer to subscribe to subordinated bonds must be made and each investor must make his decision to invest in the bonds solely on the basis of the information contained in the Prospectus and the final terms of the first series of bonds and, if necessary, consult an expert. The approval of a Prospectus by the Financial Supervisory Authority is not considered a recommendation for subordinated bonds.

The information in this notice is not intended for publication, distribution or transmission, in whole or in part, directly or indirectly, in the United States, Canada, Hong Kong, Japan, Singapore, South Africa or in any other country or circumstance where posting, sharing or transmission would be illegal. The subordinated bonds will only be offered to the public in the Republic of Estonia and the sale or offering of the bonds will not take place in any jurisdiction where such an offer, invitation or sale would be illegal without exception or legal reserve.

• Final_Terms_of_First_Series_and_Summary_EN_29.11.2021

• Prospectus_EN_29.11.2021