Íslandsbanki 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	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
Interest Income on Loans	-	-	135,278	126,095	87,671	58,625
Interest Income on Investments	-	-	6,064	11,047	6,342	-
Total Interest Income	-	-	141,342	137,142	94,013	58,625
Interest Paid on Deposits	-	-	94,077	88,531	50,887	24,582
Net Interest Income	56,632	52,471	47,265	48,611	43,126	34,043
Net Interest Income Growth (YoY)	17.78%	11.01%	-2.77%	12.72%	26.68%	2.01%
Gain (Loss) on Sale of Assets	4	-	62	219	12	-
Gain (Loss) on Sale of Investments	-	-	-	-	158	60
Gain (Loss) on Sale of Equity Investments	-112	-	650	207	40	73
Other Non-Interest Income	15,800	14,769	13,651	14,249	13,900	15,996
Total Non-Interest Income	15,692	14,769	14,363	14,675	14,110	16,129
Non-Interest Income Growth (YoY)	16.22%	2.83%	-2.13%	4.00%	-12.52%	64.88%
Revenues Before Loan Losses	72,324	67,240	61,628	63,286	57,236	50,172
Provision for Loan Losses	1,897	681	-645	1,015	-1,576	-3,018
Revenue	70,427	66,559	62,273	62,271	58,812	53,190
Revenue Growth (YoY)	11.91%	6.88%	0.00%	5.88%	10.57%	54.91%
Salaries and Employee Benefits	17,927	17,804	16,329	15,003	13,452	13,397
Federal Deposit Insurance	-	-	-	-	165	688
Selling, General & Administrative	-	-	470	960	300	-
Other Non-Interest Expense	14,117	13,760	13,199	12,560	12,024	11,482
Total Non-Interest Expense	32,044	31,564	29,998	28,523	25,941	25,567
EBT Excluding Unusual Items	38,383	34,995	32,275	33,748	32,871	27,623
Asset Writedown	-288	-	1,310	-	-	-
Pretax Income	38,095	34,995	33,585	33,748	32,871	27,623
Income Tax Expense	10,599	9,746	9,426	9,198	8,485	5,119
Earnings From Continuing Operations	27,496	25,249	24,159	24,550	24,386	22,504
Earnings From Discontinued Operations	-	-	87	35	149	1,221
Minority Interest in Earnings	-	-	-	-	-	7
Net Income	27,496	25,249	24,246	24,585	24,535	23,732
Net Income to Common	27,496	25,249	24,246	24,585	24,535	23,732
Net Income Growth	14.39%	4.14%	-1.38%	0.20%	3.38%	236.10%
Basic Shares Outstanding	1,731	-	1,934	1,992	2,000	2,000
Diluted Shares Outstanding	1,731	-	1,934	1,992	2,000	2,000
Shares Change (YoY)	-9.45%	-	-2.91%	-0.40%	-	-
EPS (Basic)	15.88	-	12.54	12.34	12.27	11.87
EPS (Diluted)	15.87	-	12.54	12.34	12.27	11.87
EPS Growth	26.27%	-	1.58%	0.61%	3.38%	236.10%
Dividend Per Share	-	-	6.460	6.260	6.150	5.950
Dividend Growth	-	-	3.19%	1.79%	3.36%	-30.00%
Effective Tax Rate	27.82%	27.85%	28.07%	27.26%	25.81%	18.53%