Arion banki hf. (ICE:ARION)

Arion banki Income Statement

Financials in millions ISK. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	130,018	132,259	123,116	83,515	53,958	51,730
Interest Paid on Deposits	78,580	85,957	78,431	43,314	21,895	20,572
Net Interest Income	51,438	46,302	44,685	40,201	32,063	31,158
Net Interest Income Growth (YoY)	10.85%	3.62%	11.15%	25.38%	2.90%	2.77%
Gain (Loss) on Sale of Assets	-427	1	-1	722	542	722
Gain (Loss) on Sale of Investments	2,370	4,510	1,502	-3,857	5,919	3,649
Gain (Loss) on Sale of Equity Investments	-13	24	-70	270	22	-
Other Non-Interest Income	18,645	16,135	16,585	17,919	19,134	15,355
Total Non-Interest Income	20,575	20,670	18,016	15,054	25,617	19,726
Non-Interest Income Growth (YoY)	17.44%	14.73%	19.68%	-41.23%	29.86%	11.57%
Revenues Before Loan Losses	72,013	66,972	62,701	55,255	57,680	50,884
Provision for Loan Losses	446	1,131	1,348	-144	-3,169	5,044
Revenue	71,567	65,841	61,353	55,399	60,849	45,840
Revenue Growth (YoY)	15.63%	7.32%	10.75%	-8.96%	32.74%	-3.73%
Salaries and Employee Benefits	-	-	-	-	14,539	12,332
Selling, General & Administrative	123	-	-	-	902	-
Other Non-Interest Expense	30,072	30,252	27,497	26,078	11,950	13,410
Total Non-Interest Expense	30,140	30,252	27,497	26,078	27,391	25,742
EBT Excluding Unusual Items	41,427	35,589	33,856	29,321	33,458	20,098
Asset Writedown	5,231	-339	1,569	24	545	580
Other Unusual Items	12	-182	-89	14	-	-700
Pretax Income	46,670	35,068	35,336	29,359	34,003	19,978
Income Tax Expense	12,068	8,919	9,595	9,944	6,782	3,231
Earnings From Continuing Operations	34,602	26,149	25,741	19,415	27,221	16,747
Earnings From Discontinued Operations	-30	-37	-4	6,543	1,394	-4,278
Minority Interest in Earnings	-1,882	-1	18	-13	-10	7
Net Income	32,690	26,111	25,755	25,945	28,605	12,476
Net Income to Common	32,690	26,111	25,755	25,945	28,605	12,476
Net Income Growth	35.79%	1.38%	-0.73%	-9.30%	129.28%	1038.32%
Basic Shares Outstanding	1,395	1,426	1,447	1,491	1,593	1,723
Diluted Shares Outstanding	1,409	1,443	1,525	1,576	1,690	1,723
Shares Change (YoY)	-3.26%	-5.38%	-3.24%	-6.75%	-1.92%	-4.75%
EPS (Basic)	23.43	18.31	17.80	17.40	17.96	7.24
EPS (Diluted)	23.21	18.09	16.89	16.46	16.92	7.24
EPS Growth	40.33%	7.15%	2.59%	-2.74%	133.86%	1094.52%
Dividend Per Share	11.500	11.500	9.000	8.500	15.000	1.740
Dividend Growth	27.78%	27.78%	5.88%	-43.33%	762.07%	-
Effective Tax Rate	25.86%	25.43%	27.15%	33.87%	19.95%	16.17%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.