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	Jun '26 Jun 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	139,696	129,324	135,278	126,095	87,671	58,625
Interest Income on Investments	3,020	3,648	6,064	11,047	6,342	-
Total Interest Income	142,716	132,972	141,342	137,142	94,013	58,625
Interest Paid on Deposits	84,684	80,501	94,077	88,531	50,887	24,582
Net Interest Income	58,032	52,471	47,265	48,611	43,126	34,043
Net Interest Income Growth	17.30%	11.01%	-2.77%	12.72%	26.68%	2.01%
Gain (Loss) on Sale of Assets	7	136	62	219	12	-
Gain (Loss) on Sale of Investments	1,007	-	-	-	158	60
Gain (Loss) on Sale of Equity Investments	647	683	650	207	40	73
Other Non-Interest Income	13,353	13,675	13,770	14,249	13,900	15,996
Total Non-Interest Income	15,014	14,494	14,482	14,675	14,110	16,129
Non-Interest Income Growth	3.68%	0.08%	-1.31%	4.00%	-12.52%	64.88%
Revenues Before Loan Losses	73,046	66,965	61,747	63,286	57,236	50,172
Provision for Loan Losses	2,753	681	-645	1,015	-1,576	-3,018
Revenue	70,293	66,284	62,392	62,271	58,812	53,190
Revenue Growth	7.21%	6.24%	0.19%	5.88%	10.57%	54.91%
Salaries and Employee Benefits	18,386	17,700	16,329	15,003	13,452	13,397
Federal Deposit Insurance	-	-	-	-	165	688
Selling, General & Administrative	225	104	470	960	300	-
Other Non-Interest Expense	14,267	13,760	13,199	12,560	12,024	11,482
Total Non-Interest Expense	32,878	31,564	29,998	28,523	25,941	25,567
EBT Excluding Unusual Items	37,415	34,720	32,394	33,748	32,871	27,623
Asset Writedown	-13	275	1,310	-	-	-
Pretax Income	37,402	34,995	33,704	33,748	32,871	27,623
Income Tax Expense	10,029	9,746	9,458	9,198	8,485	5,119
Earnings From Continuing Operations	27,373	25,249	24,246	24,550	24,386	22,504
Earnings From Discontinued Operations	-	-	-	35	149	1,221
Minority Interest in Earnings	-	-	-	-	-	7
Net Income	27,373	25,249	24,246	24,585	24,535	23,732
Net Income to Common	27,373	25,249	24,246	24,585	24,535	23,732
Net Income Growth	5.43%	4.14%	-1.38%	0.20%	3.38%	236.10%
Basic Shares Outstanding	1,779	1,854	1,934	1,992	2,000	2,000
Diluted Shares Outstanding	1,779	1,854	1,934	1,992	2,000	2,000
Shares Change	-6.05%	-4.14%	-2.91%	-0.40%	-	-
EPS (Basic)	15.39	13.62	12.54	12.34	12.27	11.87
EPS (Diluted)	15.39	13.62	12.54	12.34	12.27	11.87
EPS Growth	12.27%	8.63%	1.58%	0.61%	3.38%	236.10%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	7.280	7.280	6.460	6.260	6.150	5.950
Dividend Growth	12.69%	12.69%	3.19%	1.79%	3.36%	-30.00%
Effective Tax Rate	26.81%	27.85%	28.06%	27.26%	25.81%	18.53%