Business Segments Íslandsbanki hf.

Equities

ISB

IS0000028538

Banks

Market Closed - Nasdaq Iceland Other stock markets 16:00:00 18/02/2026 GMT			5-day change	1st Jan Change
140.00 ^ISK	0.00%		-0.36%	-5.08%

02-13	Íslandsbanki hf., Q4 2025 Earnings Call, Feb 13, 2026
02-12	Íslandsbanki hf. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2025	CI

Sales 2024 by Business Segment

Sales 2024 by Geography

Historical Breakdown of Revenue by Business Segments

Net Income: Breakdown by Business Segment

Breakdown by Business Segment (ISK)

Fiscal Period: December	2020	2021	2022	2023	2024
Diversified Commercial Banks
Personal Banking	13.59B	16.38B	19.44B	20.23B	20.47B
Total Assets	423B	506B	555B	578B	612B
Income Tax Expense	887M	1.71B	2.53B	2.58B	2.58B
EBT	2.8B	5.84B	8.92B	9.1B	8.66B
D&A	300M	166M	172M	179M	183M
Net Income	1.91B	4.14B	6.39B	6.52B	6.08B
Corporate and Investment Banking	10.72B	14.55B	17.36B	20.88B	20.4B
Total Assets	355B	348B	359B	337B	367B
Income Tax Expense	1.36B	2.31B	2.95B	3.66B	3.52B
EBT	4.7B	8.36B	10.81B	13.62B	12.55B
D&A	18M	15M	1M	2M	6M
Net Income	3.34B	6.05B	7.86B	9.96B	9.03B
Business Banking	7.02B	15.44B	17.55B	19.61B	19.85B
Total Assets	235B	239B	281B	314B	325B
Income Tax Expense	204M	2.43B	2.89B	3.17B	3.2B
EBT	446M	9B	10.71B	11.74B	11.36B
D&A	163M	58M	57M	57M	59M
Net Income	242M	6.57B	7.82B	8.57B	8.17B
Retail Banking	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Subsidiaries, Eliminations & Adjustments	-	-	-	-	2.43B
Total Assets	-	-	-	-	1.84B
Income Tax Expense	-	-	-	-	355M
EBT	-	-	-	-	1.2B
D&A	-	-	-	-	17M
Net Income	-	-	-	-	846M
Eliminations & Adjustments	-1.17B	-952M	-2.61B	-1.28B	-
Total Assets	-12.96B	-10.57B	-9.37B	-9.68B	-
Income Tax Expense	2M	-	-	-	-
EBT	-1.03B	-782M	-2.19B	-767M	-
D&A	15M	9M	9M	9M	-
Net Income	-1.03B	-782M	-2.19B	-767M	-
Other Subsidiaries	1M	23M	292M	354M	-
Total Assets	9.08B	7.28B	5.47B	5.52B	-
EBT	-	-20M	13M	10M	-
D&A	-	1M	6M	3M	-
Net Income	-	-20M	13M	10M	-
Cost Centres & Eliminations	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Cost Centres	79M	-33M	-112M	-27M	-279M
Total Assets	10.89B	9.11B	9.39B	8.72B	9.18B
Income Tax Expense	5M	-221M	-92M	-291M	-160M
EBT	3M	-864M	-368M	-1.17B	-652M
D&A	1.18B	1.14B	1.16B	1.37B	1.4B
Net Income	-2M	-643M	-276M	-876M	-492M
Investment Funds
Treasury & Proprietary Trading	1.99B	4.75B	3.7B	162M	701M
Total Assets	321B	325B	361B	345B	291B
Income Tax Expense	-112M	-1.42B	-108M	-203M	-61M
EBT	1.66B	4.49B	3.38B	-111M	465M
D&A	-	-	-	-	-
Net Income	1.78B	5.91B	3.49B	92M	526M
Íslands-Sjóðir Hf.	1.37B	2.07B	1.58B	1.55B	-
Total Assets	2.25B	2.93B	2.47B	2.28B	-
Income Tax Expense	119M	256M	178M	128M	-
EBT	601M	1.28B	803M	642M	-
Net Income	482M	1.03B	625M	514M	-
Wealth Management	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Treasury	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
Credit Agencies
Borgun Hf.	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Net Income	-	-	-	-	-
Claim Processors
Allianz Ísland Hf.	746M	960M	1.61B	1.75B	-
Total Assets	1.42B	1.33B	1.93B	2.33B	-
Income Tax Expense	11M	62M	142M	150M	-
EBT	138M	314M	795M	677M	-
D&A	-8M	1M	-	2M	-
Net Income	127M	252M	653M	527M	-
Investment Company and Business Development Companies
Proprietary Trading & Subsidiaries	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
Subsidiaries & Equity Investments	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Securities and Commodities Markets Services
Markets	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
National and State Commercial Banks
Corporate Banking	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-

Geographical Revenue Distribution History

Geographical breakdown of sales (ISK)

Fiscal Period: December	2020	2021	2022	2023	2024
Iceland	34.34B	53.19B	58.81B	63.22B	62.27B
Total Assets	1,344B	1,429B	1,566B	1,583B	1,608B
Interest Expense	-22.32B	-24.58B	-50.89B	-88.53B	-94.08B
Income Tax Expense	2.47B	5.12B	8.48B	9.2B	9.43B
D&A	838M	828M	858M	886M	915M
CAPEX	-812M	-648M	-743M	-311M	-426M
Net Income	7.06B	23.73B	24.54B	24.58B	24.25B
EBT	9.32B	27.62B	32.87B	33.75B	33.58B