{ "as_of": "2026-11-06", "cmr": "no-cm-kg/MERK/NO0010762792", "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.", "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# INSTABANK (Euronext Growth Oslo: NO0010762792) — research page\n\nAs of 2026-11-06 · no-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is INSTABANK, listed on Euronext Growth Oslo under ticker NO0010762792, with ISIN NO0010762792 and LEI 549300GGE58VFJE5KJ70. Security type, segment, sector and jurisdiction are not on the record. Listing status is listed.\n\n## The disclosure read\n\nThe record holds 82 filings across 50 filing days in the window 2025-11-06 to 2026-11-06. The median gap between filing days is 4 days, against a median of 7 days for Euronext Growth Oslo across 85 issuers. The latest filing is dated 2026-11-06, which is 0 days before the record date, and is of type ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE. The exchange median latency is 4 days and the exchange median filings is 38. Sector peer figures are not on the record for this market.\n\n## Auditor\n\nThe auditor and its location are not on the record. Auditor changes are not on the record, as this register has no lifecycle type map yet.\n\n## Events and halts\n\nListing, delisting, name change, domicile change and segment move are not on the record, as this register has no lifecycle type map yet. The halt flag is listed.\n\n## Orderability\n\nThe outcome is not determinable under rule version acm-68000/no/mifid-ii-product-governance/r1, as of chapter date 2026-11-04. The chapter carries no client categories, so the client category cannot be named.\n\n## Coverage\n\nNo research houses were found on the investor-relations pages read for this issuer.\n\n## Open research\n\nNo openly published research notes were found for this issuer.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe vintage is not sealed for this market. No issuer years are sealed, the market's earliest sealed date is not on the record, and the live record began date is not on the record.\n\n## Sources\n\n5 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://firds.esma.europa.eu/firds/ (identity.exchange)\n- https://mapping.gleif.org/api/v2/isin-lei/latest/download (identity.lei)\n- https://mcp.no-cm-kg.ai/events/MERK/NO0010762792 (the disclosure lines)\n- https://no.eu-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://mcp.no-cm-kg.ai/record/MERK/NO0010762792 (the record)\n", "market": "NO", "node": "no-cm-kg", "numbers": { "as_of_depth": { "issuer_years_sealed": [], "live_record_began": null, "node_history_from": null, "node_years_sealed": [], "note": "the NO vintage is not sealed; the record is the live record as of 2026-11-06", "record_version": 1, "sealed": false }, "auditor": { "auditor": { "market": "NO", "state": "not_on_record" }, "auditor_firm_id": { "market": "NO", "state": "not_on_record" }, "auditor_location": { "market": "NO", "state": "not_on_record" }, "changes": { "market": "NO", "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)", "state": "not_on_record" } }, "cmr": "no-cm-kg/MERK/NO0010762792", "coverage": { "count": 0, "houses": [], "pages_checked": [], "read_by": "Perplexity sonar (search) · page read by this rail", "read_date": "2026-11-12", "since": null, "state": "none_found" }, "disclosure": { "against": { "exchange": { "issuers": 85, "median_cadence_gap_days": 7, "median_filings": 38, "median_latency_days": 4, "name": "Euronext Growth Oslo" }, "sector": { "market": "NO", "state": "not_on_record" } }, "by_type": { "ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE": 20, "ADJUSTMENT OF INTEREST RATE": 32, "ANNUAL FINANCIAL REPORT": 1, "EX DATE": 1, "HALF YEAR FINANCIAL REPORT": 8, "MANAGERS’ TRANSACTION": 17, "TOTAL NUMBER OF VOTING RIGHTS AND CAPITAL": 3 }, "cadence_median_gap_days": 4, "filing_days": 50, "filings": 82, "latency_days": 0, "latest": [ { "category": "ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE", "date": "2026-11-06", "source": "https://newsweb.oslobors.no/message/685927", "title": "Instabank ASA - Minutes from Extraordinary General Meeting", "type": "ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE" }, { "category": "HALF YEAR FINANCIAL REPORT", "date": "2026-11-06", "source": "https://newsweb.oslobors.no/message/685844", "title": "Instabank ASA Results for the third quarter 2026: Record lending growth with operating leverage", "type": "HALF YEAR FINANCIAL REPORT" }, { "category": "HALF YEAR FINANCIAL REPORT", "date": "2026-11-06", "source": "https://newsweb.oslobors.no/message/685843", "title": "Instabank ASA Rekordhøy utlånsvekst og bedret kostnadseffektivitet i tredje kvartal 2026", "type": "HALF YEAR FINANCIAL REPORT" }, { "category": "ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE", "date": "2026-11-03", "source": "https://newsweb.oslobors.no/message/685468", "title": "Instabank ASA - Invitation to Q3 2026 presentation", "type": "ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE" }, { "category": "ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE", "date": "2026-10-23", "source": "https://newsweb.oslobors.no/message/684678", "title": "Instabank ASA - Notice of Extraordinary General Meeting", "type": "ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE" } ], "latest_filing_date": "2026-11-06", "read": "the node's event lines (list_events_since), as get_filings serves them", "source": "https://mcp.no-cm-kg.ai/events/MERK/NO0010762792", "window": { "from": "2025-11-06", "to": "2026-11-06" } }, "identity": { "exchange": { "read_by": "eu-sources/no/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)", "read_date": "2026-11-06", "read_date_basis": "the record version as_of", "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)", "state": "sourced", "value": "Euronext Growth Oslo" }, "isin": { "read_by": "eu-sources/no/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)", "read_date": "2026-11-06", "read_date_basis": "the record version as_of", "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)", "state": "sourced", "value": "NO0010762792" }, "jurisdiction": { "market": "NO", "state": "not_on_record" }, "lei": { "read_by": "GLEIF ISIN-to-LEI mapping file (daily), LEI by exact ISIN", "read_date": "2026-11-09", "read_date_basis": "the field", "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download (ISIN NO0010762792)", "state": "sourced", "value": "549300GGE58VFJE5KJ70" }, "name": { "read_by": "eu-sources/no/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)", "read_date": "2026-11-06", "read_date_basis": "the record version as_of", "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)", "state": "sourced", "value": "INSTABANK" }, "sector": { "market": "NO", "state": "not_on_record" }, "security_type": { "market": "NO", "state": "not_on_record" }, "segment": { "market": "NO", "state": "not_on_record" }, "ticker": { "read_by": "eu-sources/no/roster.py (FIRDS https://registers.esma.europa.eu/solr/esma_registers_firds_files/select)", "read_date": "2026-11-06", "read_date_basis": "the record version as_of", "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)", "state": "sourced", "value": "NO0010762792" }, "website": { "market": "NO", "state": "not_on_record" } }, "licensed": { "columns": [ "licensor", "entitlement", "title", "date", "source" ], "rows": [], "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded." }, "lifecycle": { "delisting": { "market": "NO", "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)", "state": "not_on_record" }, "domicile_change": { "market": "NO", "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)", "state": "not_on_record" }, "listing": { "market": "NO", "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)", "state": "not_on_record" }, "name_change": { "market": "NO", "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)", "state": "not_on_record" }, "segment_move": { "market": "NO", "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)", "state": "not_on_record" } }, "market": "NO", "node": "no-cm-kg", "numbers_hash": "sha256:954a7ba82c6046adc25c3f0175f8d93784bcfa3dd7b32b5066946b6a46f83d61", "open_research": { "read_date": "2026-11-12", "rows": [], "state": "none_found" }, "orderability": { "chapter_as_of": "2026-11-04", "client_categories": [], "determinable": false, "read": { "chapter": "https://no.eu-cm-kg.ai/book/aio.json", "door": "https://no.eu-cm-kg.ai/mcp", "tool": "get_orderability" }, "reason": "the chapter's orderability section carries no client_categories: the outcome cannot name its client category", "rule_version": "acm-68000/no/mifid-ii-product-governance/r1", "section": "no.aio.v5" }, "record": { "as_of": "2026-11-06", "url": "https://mcp.no-cm-kg.ai/record/MERK/NO0010762792", "version": 1 }, "schema": "research-numbers v0.1 (USR-01, 2026-11-11)", "status": { "note": "on the no-cm-kg register as of 2026-11-06; the node's halt flag was not read for this record", "read_date": "2026-11-06", "value": "listed" } }, "numbers_hash": "sha256:954a7ba82c6046adc25c3f0175f8d93784bcfa3dd7b32b5066946b6a46f83d61", "path": "/no/MERK/NO0010762792", "schema": "research-page v0.1 (USR-02, 2026-11-11)", "sections": [ { "id": "identity", "text": "The issuer is INSTABANK, listed on Euronext Growth Oslo under ticker NO0010762792, with ISIN NO0010762792 and LEI 549300GGE58VFJE5KJ70. Security type, segment, sector and jurisdiction are not on the record. Listing status is listed.", "title": "Identity and listing" }, { "id": "disclosure", "text": "The record holds 82 filings across 50 filing days in the window 2025-11-06 to 2026-11-06. The median gap between filing days is 4 days, against a median of 7 days for Euronext Growth Oslo across 85 issuers. The latest filing is dated 2026-11-06, which is 0 days before the record date, and is of type ADDITIONAL REGULATED INFORMATION REQUIRED TO BE DISCLOSED UNDER THE LAWS OF A MEMBER STATE. The exchange median latency is 4 days and the exchange median filings is 38. Sector peer figures are not on the record for this market.", "title": "The disclosure read" }, { "id": "auditor", "text": "The auditor and its location are not on the record. Auditor changes are not on the record, as this register has no lifecycle type map yet.", "title": "Auditor" }, { "id": "events", "text": "Listing, delisting, name change, domicile change and segment move are not on the record, as this register has no lifecycle type map yet. The halt flag is listed.", "title": "Events and halts" }, { "id": "orderability", "text": "The outcome is not determinable under rule version acm-68000/no/mifid-ii-product-governance/r1, as of chapter date 2026-11-04. The chapter carries no client categories, so the client category cannot be named.", "title": "Orderability" }, { "id": "coverage", "text": "No research houses were found on the investor-relations pages read for this issuer.", "title": "Coverage" }, { "id": "open_research", "text": "No openly published research notes were found for this issuer.", "title": "Open research" }, { "id": "licensed", "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.", "title": "Licensed" }, { "id": "depth", "text": "The vintage is not sealed for this market. No issuer years are sealed, the market's earliest sealed date is not on the record, and the live record began date is not on the record.", "title": "As-of depth" }, { "id": "sources", "text": "5 source pages are named on this page; every value above carries its own source page and read date in the numbers.", "title": "Sources" } ], "sources": [ { "for": "identity.exchange", "source": "https://firds.esma.europa.eu/firds/" }, { "for": "identity.lei", "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download" }, { "for": "the disclosure lines", "source": "https://mcp.no-cm-kg.ai/events/MERK/NO0010762792" }, { "for": "the orderability chapter", "source": "https://no.eu-cm-kg.ai/book/aio.json" }, { "for": "the record", "source": "https://mcp.no-cm-kg.ai/record/MERK/NO0010762792" } ], "title": "INSTABANK (NO0010762792) — research page", "writer": { "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers", "engine": "claude-haiku-5-5" } }