Íslandsbanki 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	64,572	80,394	48,584	86,472	139,035	130,597
Investment Securities	185,019	177,860	171,649	178,634	150,516	164,905
Trading Asset Securities	4,052	5,304	5,324	5,776	7,461	2,445
Total Investments	189,071	183,164	176,973	184,410	157,977	167,350
Gross Loans	1,479,628	1,447,115	1,354,833	1,306,586	1,264,345	1,123,260
Allowance for Loan Losses	-7,266	-	-7,820	-11,728	-11,132	-13,565
Other Adjustments to Gross Loans	-	-	-14,939	-16,751	-10,816	-5,567
Net Loans	1,472,362	1,447,115	1,332,074	1,278,107	1,242,397	1,104,128
Property, Plant & Equipment	5,007	4,702	5,039	6,562	6,752	7,010
Other Intangible Assets	2,749	2,682	2,684	2,930	3,279	3,351
Investments in Real Estate	2,900	2,900	2,600	-	-	-
Accrued Interest Receivable	-	-	-	-	-	252
Other Receivables	1,003	-	2,250	1,698	1,848	1,676
Restricted Cash	32,926	-	30,932	19,826	9,995	9,257
Other Current Assets	2,007	-	648	503	400	1,407
Long-Term Deferred Tax Assets	148	-	164	122	117	-
Other Real Estate Owned & Foreclosed	7,183	-	1,617	749	728	269
Other Long-Term Assets	6,769	7,190	4,242	1,315	3,707	3,524
Total Assets	1,786,697	1,728,147	1,607,807	1,582,694	1,566,235	1,428,821
Accrued Expenses	4,048	-	2,741	2,392	2,448	2,463
Interest Bearing Deposits	126,850	981,945	130,188	114,557	107,977	98,726
Non-Interest Bearing Deposits	897,863	-	809,009	752,146	697,025	658,543
Total Deposits	1,024,713	981,945	939,197	866,703	805,002	757,269
Short-Term Borrowings	5,599	6,183	7,360	4,605	10,683	7,667
Current Portion of Long-Term Debt	51,327	-	40,566	33,618	82,846	89,152
Current Portion of Leases	-	-	612	600	537	516
Current Income Taxes Payable	13,386	12,757	11,622	11,163	9,042	5,896
Other Current Liabilities	17,519	-	6,432	6,832	3,206	4,195
Long-Term Debt	441,288	484,908	358,715	422,110	419,816	348,836
Long-Term Leases	3,313	-	2,779	3,120	3,171	3,322
Long-Term Deferred Tax Liabilities	-	-	1,294	1,944	3,086	536
Other Long-Term Liabilities	12,786	16,995	9,134	4,914	7,524	5,259
Total Liabilities	1,573,979	1,502,788	1,380,452	1,358,001	1,347,361	1,225,111
Common Stock	8,657	225,359	9,473	9,898	10,000	10,000
Additional Paid-In Capital	26,380	-	55,000	55,000	55,000	55,000
Retained Earnings	173,552	-	163,016	161,619	152,086	139,764
Comprehensive Income & Other	4,129	-	-134	-1,824	1,788	-1,054
Total Common Equity	212,718	225,359	227,355	224,693	218,874	203,710
Shareholders' Equity	212,718	225,359	227,355	224,693	218,874	203,710
Total Liabilities & Equity	1,786,697	1,728,147	1,607,807	1,582,694	1,566,235	1,428,821
Total Debt	501,527	491,091	410,032	464,053	517,053	449,493
Net Cash (Debt)	-432,903	-405,393	-356,124	-371,805	-370,557	-316,451
Net Cash Per Share	-250.04	-	-184.14	-186.65	-185.28	-158.23
Filing Date Shares Outstanding	1,731	-	1,895	1,980	2,000	2,000
Total Common Shares Outstanding	1,731	-	1,895	1,980	2,000	2,000
Book Value Per Share	122.87	-	120.00	113.50	109.44	101.86
Tangible Book Value	209,969	222,677	224,671	221,763	215,595	200,359
Tangible Book Value Per Share	121.28	-	118.58	112.02	107.80	100.18