Íslandsbanki hf. (ICE:ISB)

Íslandsbanki 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	129,389	135,278	126,095	87,671	58,625	53,378
Interest Income on Investments	4,067	6,064	11,047	6,342	-	2,317
Total Interest Income	133,456	141,342	137,142	94,013	58,625	55,695
Interest Paid on Deposits	82,501	94,077	88,531	50,887	24,582	22,324
Net Interest Income	50,955	47,265	48,611	43,126	34,043	33,371
Net Interest Income Growth (YoY)	5.89%	-2.77%	12.72%	26.68%	2.01%	1.67%
Gain (Loss) on Sale of Assets	33	62	219	12	-	-
Gain (Loss) on Sale of Investments	-	-	-	158	60	-
Gain (Loss) on Sale of Equity Investments	212	650	207	40	73	44
Other Non-Interest Income	13,252	13,651	14,249	13,900	15,996	9,738
Total Non-Interest Income	13,497	14,363	14,675	14,110	16,129	9,782
Non-Interest Income Growth (YoY)	-4.27%	-2.13%	4.00%	-12.52%	64.88%	-12.97%
Revenues Before Loan Losses	64,452	61,628	63,286	57,236	50,172	43,153
Provision for Loan Losses	-758	-645	1,015	-1,576	-3,018	8,816
Revenue	65,210	62,273	62,271	58,812	53,190	34,337
Revenue Growth (YoY)	6.02%	0.00%	5.88%	10.57%	54.91%	-15.39%
Salaries and Employee Benefits	16,938	16,329	15,003	13,452	13,397	12,917
Federal Deposit Insurance	-	-	-	165	688	679
Selling, General & Administrative	-	470	960	300	-	-
Other Non-Interest Expense	13,045	13,199	12,560	12,024	11,482	11,417
Total Non-Interest Expense	29,983	29,998	28,523	25,941	25,567	25,013
EBT Excluding Unusual Items	35,227	32,275	33,748	32,871	27,623	9,324
Asset Writedown	490	1,310	-	-	-	-
Pretax Income	35,717	33,585	33,748	32,871	27,623	9,324
Income Tax Expense	10,124	9,426	9,198	8,485	5,119	2,472
Earnings From Continuing Operations	25,593	24,159	24,550	24,386	22,504	6,852
Earnings From Discontinued Operations	-8	87	35	149	1,221	-97
Minority Interest in Earnings	-	-	-	-	7	306
Net Income	25,585	24,246	24,585	24,535	23,732	7,061
Net Income to Common	25,585	24,246	24,585	24,535	23,732	7,061
Net Income Growth	5.76%	-1.38%	0.20%	3.38%	236.10%	-19.84%
Basic Shares Outstanding	1,877	1,934	1,992	2,000	2,000	2,000
Diluted Shares Outstanding	1,877	1,934	1,992	2,000	2,000	2,000
Shares Change (YoY)	-3.96%	-2.91%	-0.40%	-	-	-
EPS (Basic)	13.63	12.54	12.34	12.27	11.87	3.53
EPS (Diluted)	13.63	12.54	12.34	12.27	11.87	3.53
EPS Growth	10.13%	1.58%	0.61%	3.38%	236.10%	-19.84%
Dividend Per Share	6.460	6.460	6.260	6.150	5.950	8.500
Dividend Growth	3.19%	3.19%	1.79%	3.36%	-30.00%	-
Effective Tax Rate	28.34%	28.07%	27.26%	25.81%	18.53%	26.51%

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