Arion banki Income Statement

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	Sep '26 Sep 30, 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
Interest Income on Loans	146,777	129,777	132,259	123,116	83,515	53,958
Interest Paid on Deposits	87,094	77,235	85,957	78,431	43,314	21,895
Net Interest Income	59,683	52,542	46,302	44,685	40,201	32,063
Net Interest Income Growth	16.03%	13.48%	3.62%	11.15%	25.38%	2.90%
Gain (Loss) on Sale of Assets	600	600	1	-1	722	542
Gain (Loss) on Sale of Investments	1,199	1,199	4,510	1,502	-3,857	5,919
Gain (Loss) on Sale of Equity Investments	-27	-27	24	-70	270	22
Other Non-Interest Income	12,536	19,196	16,135	16,585	17,919	19,134
Total Non-Interest Income	14,308	20,968	20,670	18,016	15,054	25,617
Non-Interest Income Growth	-44.52%	1.44%	14.73%	19.68%	-41.23%	29.86%
Revenues Before Loan Losses	73,991	73,510	66,972	62,701	55,255	57,680
Provision for Loan Losses	3,741	3,053	1,131	1,348	-144	-3,169
Revenue	70,250	70,457	65,841	61,353	55,399	60,849
Revenue Growth	-8.51%	7.01%	7.32%	10.75%	-8.96%	32.74%
Salaries and Employee Benefits	-	-	-	-	-	14,539
Selling, General & Administrative	-	-	-	-	-	902
Other Non-Interest Expense	32,902	30,354	30,252	27,497	26,078	11,950
Total Non-Interest Expense	32,902	30,354	30,252	27,497	26,078	27,391
EBT Excluding Unusual Items	37,348	40,103	35,589	33,856	29,321	33,458
Asset Writedown	4,848	4,848	-339	1,569	24	545
Other Unusual Items	33	33	-182	-89	14	-
Pretax Income	42,229	44,984	35,068	35,336	29,359	34,003
Income Tax Expense	11,920	12,458	8,919	9,595	9,944	6,782
Earnings From Continuing Operations	30,309	32,526	26,149	25,741	19,415	27,221
Earnings From Discontinued Operations	-	-19	-37	-4	6,543	1,394
Minority Interest in Earnings	-5	-1,881	-1	18	-13	-10
Net Income	30,304	30,626	26,111	25,755	25,945	28,605
Net Income to Common	30,304	30,626	26,111	25,755	25,945	28,605
Net Income Growth	-7.30%	17.29%	1.38%	-0.73%	-9.30%	129.28%
Basic Shares Outstanding	1,398	1,426	1,426	1,447	1,491	1,593
Diluted Shares Outstanding	1,422	1,426	1,443	1,525	1,576	1,690
Shares Change	0.89%	-1.18%	-5.38%	-3.24%	-6.75%	-1.92%
EPS (Basic)	21.68	21.48	18.31	17.80	17.40	17.96
EPS (Diluted)	21.32	21.48	18.09	16.89	16.46	16.92
EPS Growth	-8.07%	18.69%	7.15%	2.59%	-2.74%	133.86%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	11.500	11.500	11.500	9.000	8.500	15.000
Dividend Growth	0%	0%	27.78%	5.88%	-43.33%	762.07%
Effective Tax Rate	28.23%	27.69%	25.43%	27.15%	33.87%	19.95%