Arion banki Balance Sheet

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

Millions ISK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	99,649	138,548	117,310	114,993	150,131	90,678
Investment Securities	248,863	204,752	197,416	196,893	181,000	214,820
Trading Asset Securities	9,308	8,624	6,715	6,602	9,516	2,905
Total Investments	258,171	213,376	204,131	203,495	190,516	217,725
Gross Loans	1,365,618	1,342,145	1,239,848	1,161,551	1,093,741	945,953
Allowance for Loan Losses	-12,868	-12,562	-9,790	-8,551	-6,916	-7,600
Net Loans	1,352,750	1,329,583	1,230,058	1,153,000	1,086,825	938,353
Property, Plant & Equipment	4,275	2,636	2,674	2,934	2,848	3,036
Goodwill	730	730	730	730	730	669
Other Intangible Assets	6,810	6,803	6,958	7,321	8,053	8,794
Investments in Real Estate	7,440	8,768	10,924	11,103	9,546	8,644
Other Receivables	3,440	3,465	2,552	1,765	1,278	5,104
Restricted Cash	34,203	33,603	32,474	15,726	7,420	6,535
Other Current Assets	6,956	9,272	2,453	7,843	951	20,705
Long-Term Deferred Tax Assets	2	2	2	39	135	2
Other Real Estate Owned & Foreclosed	-	-	-	-	-	456
Other Long-Term Assets	9,407	8,979	8,001	6,723	7,176	13,163
Total Assets	1,783,833	1,755,765	1,618,267	1,525,672	1,465,609	1,313,864
Accounts Payable	1,637	1,496	1,402	1,274	1,013	818
Accrued Expenses	6,754	7,615	8,061	6,702	6,537	5,716
Interest Bearing Deposits	936,806	921,182	857,443	792,710	755,361	655,476
Total Deposits	936,806	921,182	857,443	792,710	755,361	655,476
Short-Term Borrowings	5,100	3,129	8,394	11,585	20,986	5,877
Current Portion of Long-Term Debt	105,177	160,122	96,160	78,868	47,621	59,494
Current Income Taxes Payable	12,348	10,738	9,887	9,227	8,471	6,543
Other Current Liabilities	10,608	9,601	9,879	8,561	4,492	19,004
Long-Term Debt	463,716	390,222	388,174	385,642	403,970	337,231
Long-Term Leases	923	867	975	1,074	970	878
Long-Term Unearned Revenue	1,418	1,466	1,475	1,547	1,590	8,152
Long-Term Deferred Tax Liabilities	2,468	2,245	1,173	1,942	1,832	559
Other Long-Term Liabilities	32,354	29,691	28,158	27,239	24,810	19,518
Total Liabilities	1,579,309	1,538,374	1,411,181	1,326,371	1,277,653	1,119,266
Common Stock	1,418	1,419	1,514	1,460	1,510	1,660
Additional Paid-In Capital	-	-	4,273	9,188	11,907	21,166
Retained Earnings	202,632	214,700	199,541	185,290	171,208	167,285
Treasury Stock	-53	-36	-101	-14	-45	-142
Comprehensive Income & Other	453	1,244	1,355	2,874	2,727	3,956
Total Common Equity	204,450	217,327	206,582	198,798	187,307	193,925
Minority Interest	74	64	504	503	649	673
Shareholders' Equity	204,524	217,391	207,086	199,301	187,956	194,598
Total Liabilities & Equity	1,783,833	1,755,765	1,618,267	1,525,672	1,465,609	1,313,864
Total Debt	574,916	554,340	493,703	477,169	473,547	403,480
Net Cash (Debt)	-465,959	-407,168	-369,678	-355,574	-313,900	-309,897
Net Cash Per Share	-328.37	-285.53	-256.19	-233.16	-199.18	-183.37
Filing Date Shares Outstanding	1,372	1,534	1,411	1,423	1,465	1,518
Total Common Shares Outstanding	1,372	1,534	1,411	1,423	1,465	1,518
Book Value Per Share	149.02	141.67	146.41	139.70	127.89	127.75
Tangible Book Value	196,910	209,794	198,894	190,747	178,524	184,462
Tangible Book Value Per Share	143.52	136.76	140.96	134.05	121.89	121.52