Íslandsbanki hf. (ICE:ISB)

Íslandsbanki Balance Sheet

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
Cash & Equivalents	114,055	48,584	86,472	139,035	130,597	115,668
Investment Securities	161,195	171,649	178,634	150,516	164,905	143,842
Trading Asset Securities	5,092	5,324	5,776	7,461	2,445	6,647
Total Investments	166,287	176,973	184,410	157,977	167,350	150,489
Gross Loans	-	1,354,833	1,306,586	1,264,345	1,123,260	1,072,837
Allowance for Loan Losses	-	-7,820	-11,728	-11,132	-13,565	-17,514
Other Adjustments to Gross Loans	-	-14,939	-16,751	-10,816	-5,567	-4,955
Net Loans	-	1,332,074	1,278,107	1,242,397	1,104,128	1,050,368
Property, Plant & Equipment	4,769	5,039	6,562	6,752	7,010	7,341
Other Intangible Assets	2,632	2,684	2,930	3,279	3,351	3,478
Investments in Real Estate	2,900	2,600	-	-	-	-
Accrued Interest Receivable	-	-	-	-	252	200
Other Receivables	-	2,250	1,698	1,848	1,676	1,767
Restricted Cash	-	30,932	19,826	9,995	9,257	9,549
Other Current Assets	-	648	503	400	1,407	1,799
Long-Term Deferred Tax Assets	-	164	122	117	-	259
Other Real Estate Owned & Foreclosed	1,748	1,617	749	728	269	1,555
Other Long-Term Assets	9,314	4,242	1,315	3,707	3,524	1,718
Total Assets	1,734,056	1,607,807	1,582,694	1,566,235	1,428,821	1,344,191
Accrued Expenses	14,544	2,741	2,392	2,448	2,463	2,311
Interest Bearing Deposits	1,024,891	130,188	114,557	107,977	98,726	136,359
Non-Interest Bearing Deposits	-	809,009	752,146	697,025	658,543	582,746
Total Deposits	1,024,891	939,197	866,703	805,002	757,269	719,105
Short-Term Borrowings	-	7,360	4,605	10,683	7,667	7,740
Current Portion of Long-Term Debt	-	40,566	33,618	82,846	89,152	29,886
Current Portion of Leases	-	612	600	537	516	492
Current Income Taxes Payable	-	11,622	11,163	9,042	5,896	5,448
Other Current Liabilities	5,599	6,432	6,832	3,206	4,195	1,679
Long-Term Debt	441,720	358,715	422,110	419,816	348,836	383,149
Long-Term Leases	-	2,779	3,120	3,171	3,322	3,470
Long-Term Deferred Tax Liabilities	-	1,294	1,944	3,086	536	2
Other Long-Term Liabilities	20,328	9,134	4,914	7,524	5,259	4,705
Total Liabilities	1,507,082	1,380,452	1,358,001	1,347,361	1,225,111	1,157,987
Common Stock	9,180	9,473	9,898	10,000	10,000	10,000
Additional Paid-In Capital	42,472	55,000	55,000	55,000	55,000	55,000
Retained Earnings	168,260	163,016	161,619	152,086	139,764	119,585
Comprehensive Income & Other	7,062	-134	-1,824	1,788	-1,054	125
Total Common Equity	226,974	227,355	224,693	218,874	203,710	184,710
Minority Interest	-	-	-	-	-	1,494
Shareholders' Equity	226,974	227,355	224,693	218,874	203,710	186,204
Total Liabilities & Equity	1,734,056	1,607,807	1,582,694	1,566,235	1,428,821	1,344,191
Total Debt	441,720	410,032	464,053	517,053	449,493	424,737
Net Cash (Debt)	-322,573	-356,124	-371,805	-370,557	-316,451	-302,422
Net Cash Per Share	-171.82	-184.14	-186.65	-185.28	-158.23	-151.21
Filing Date Shares Outstanding	1,848	1,895	1,980	2,000	2,000	2,000
Total Common Shares Outstanding	1,848	1,895	1,980	2,000	2,000	2,000
Book Value Per Share	122.80	120.00	113.50	109.44	101.86	92.36
Tangible Book Value	224,342	224,671	221,763	215,595	200,359	181,232
Tangible Book Value Per Share	121.38	118.58	112.02	107.80	100.18	90.62

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