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	-	-	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	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	-129	-	62	219	12	-
Gain (Loss) on Sale of Investments	1,007	-	-	-	158	60
Gain (Loss) on Sale of Equity Investments	-36	-	650	207	40	73
Other Non-Interest Income	14,447	14,769	13,651	14,249	13,900	15,996
Total Non-Interest Income	15,289	14,769	14,363	14,675	14,110	16,129
Non-Interest Income Growth	6.46%	2.83%	-2.13%	4.00%	-12.52%	64.88%
Revenues Before Loan Losses	73,321	67,240	61,628	63,286	57,236	50,172
Provision for Loan Losses	2,753	681	-645	1,015	-1,576	-3,018
Revenue	70,568	66,559	62,273	62,271	58,812	53,190
Revenue Growth	7.83%	6.88%	0.00%	5.88%	10.57%	54.91%
Salaries and Employee Benefits	18,490	17,804	16,329	15,003	13,452	13,397
Federal Deposit Insurance	-	-	-	-	165	688
Selling, General & Administrative	121	-	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	37,690	34,995	32,275	33,748	32,871	27,623
Asset Writedown	-288	-	1,310	-	-	-
Pretax Income	37,402	34,995	33,585	33,748	32,871	27,623
Income Tax Expense	10,029	9,746	9,426	9,198	8,485	5,119
Earnings From Continuing Operations	27,373	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	27,373	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	1,674	-	1,934	1,992	2,000	2,000
Diluted Shares Outstanding	1,674	-	1,934	1,992	2,000	2,000
Shares Change	-11.59%	-	-2.91%	-0.40%	-	-
EPS (Basic)	16.35	-	12.54	12.34	12.27	11.87
EPS (Diluted)	16.35	-	12.54	12.34	12.27	11.87
EPS Growth	19.27%	-	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	-	-	6.460	6.260	6.150	5.950
Dividend Growth	-	-	3.19%	1.79%	3.36%	-30.00%
Effective Tax Rate	26.81%	27.85%	28.07%	27.26%	25.81%	18.53%