Arion banki hf. financials
Arion banki hf.
Country: IS Reporting currency: ISK Latest annual report: 2025-12-31
LEI:
RIL4VBPDB0M7Z3KXSF19 Financial statements
(ISK, as reported — unscaled; 95 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Other income | ISK 6.59B | ISK 2.62B |
| Operating expenses | ISK 28.25B | ISK 28.33B |
| Operating profit (EBIT) | ISK 78.39B | ISK 66.45B |
| Net finance income / (cost) | ISK 1.07B | ISK 2.85B |
| Profit before tax | ISK 44.98B | ISK 35.07B |
| Income tax expense | ISK 12.46B | ISK 8.92B |
| Profit for the year | ISK 32.51B | ISK 26.11B |
| — attributable to owners | ISK 30.63B | ISK 26.11B |
| — attributable to NCI | ISK 1.88B | ISK 1.0M |
| Total comprehensive income | ISK 32.93B | ISK 26.48B |
| Per share | ||
| Basic EPS | ISK 22.05 | ISK 18.31 |
| Diluted EPS | ISK 21.86 | ISK 18.09 |
| Free cash flow / share | ISK 24.25 | ISK 16.12 |
| Cash flow statement | ||
| Net cash from operating activities | ISK 36.52B | ISK 23.59B |
| Income taxes paid | ISK 10.54B | ISK 8.99B |
| Net cash from investing activities | ISK 3.94B | -ISK 1.15B |
| Purchase of PP&E (capex) | ISK 463.0M | ISK 325.0M |
| Purchase of intangibles | ISK 852.0M | ISK 622.0M |
| Net cash from financing activities | -ISK 20.19B | -ISK 16.54B |
| Dividends paid | ISK 16.11B | ISK 13.06B |
| Net change in cash | ISK 20.27B | ISK 5.90B |
| Balance sheet | ||
| Total assets | ISK 1.76T | ISK 1.62T |
| Intangible assets & goodwill | ISK 7.53B | ISK 7.69B |
| Cash & equivalents | ISK 138.55B | ISK 117.31B |
| Total equity | ISK 217.39B | ISK 207.09B |
| — attributable to owners | ISK 217.33B | ISK 206.58B |
| Non-controlling interests | ISK 64.0M | ISK 504.0M |
| Derived metrics | ||
| Free cash flow | ISK 36.06B | ISK 23.27B |
| Return on equity | 15.0% | 12.6% |
| Cash conversion ratio | 1.12× | 0.90× |
| Capex coverage | 78.88× | 72.59× |
| Other reported items | ||
| Adjustments For Decrease Increase In Loans and Advances To Banks | -ISK 527.0M | ISK 211.0M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -ISK 76.73B | -ISK 55.41B |
| Adjustments For Increase Decrease In Deposits From Customers | ISK 67.53B | ISK 68.88B |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | -ISK 39.94B | -ISK 38.15B |
| Balances With Banks | ISK 22.04B | ISK 25.69B |
| Bank Balances At Central Banks Other Than Mandatory Reserve Deposits | ISK 150.11B | ISK 124.09B |
| Borrowings | ISK 494.82B | ISK 433.18B |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | ISK 4.95B | ISK 0 |
| Comprehensive Income Attributable To Noncontrolling Interests | ISK 1.88B | ISK 1.0M |
| Comprehensive Income Attributable To Owners of Parent | ISK 31.05B | ISK 26.48B |
| Current Tax Assets | ISK 2.0M | ISK 2.0M |
| Current Tax Liabilities | ISK 12.98B | ISK 11.06B |
| Deposits From Customers | ISK 921.18B | ISK 857.44B |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | ISK 16.11B | ISK 13.06B |
| Dividends Received Classified As Operating Activities | ISK 204.0M | ISK 146.0M |
| Dividends Received From Associates Classified As Investing Activities | ISK 8.0M | ISK 0 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | ISK 972.0M | -ISK 3.58B |
| Equity and Liabilities | ISK 1.76T | ISK 1.62T |
| Fee and Commission Expense | ISK 4.00B | ISK 3.81B |
| Fee and Commission Income | ISK 21.15B | ISK 19.17B |
| Fee and Commission Income Expense | ISK 17.15B | ISK 15.36B |
| Financial Assets At Fair Value | ISK 215.82B | ISK 206.42B |
| Financial Liabilities At Fair Value | ISK 3.13B | ISK 8.39B |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | ISK 257.0M | ISK 274.0M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | ISK 3.05B | ISK 1.13B |
| Increase Decrease Through Disposal of Subsidiary | -ISK 2.32B | — |
| Increase Decrease Through Exercise of Warrants Equity | — | ISK 0 |
| Increase Decrease Through Transfers and Other Changes Equity | ISK 0 | ISK 0 |
| Insurance Expense | ISK 18.66B | ISK 17.50B |
| Insurance Revenue | ISK 20.77B | ISK 19.67B |
| Insurance Service Result | ISK 2.11B | ISK 2.17B |
| Interest Expense | ISK 77.23B | ISK 85.96B |
| Interest Paid Classified As Operating Activities | ISK 79.78B | ISK 74.62B |
| Interest Received Classified As Operating Activities | ISK 100.65B | ISK 102.79B |
| Interest Revenue Expense | ISK 52.54B | ISK 46.30B |
| Investment Property | ISK 7.30B | ISK 9.39B |
| Investments In Associates Accounted For Using Equity Method | ISK 760.0M | ISK 814.0M |
| Issue of Equity | — | ISK 6.24B |
| Liabilities | ISK 1.54T | ISK 1.41T |
| Loans and Advances To Banks | ISK 22.57B | ISK 25.69B |
| Loans and Advances To Customers | ISK 1.33T | ISK 1.23T |
| Mandatory Reserve Deposits At Central Banks | -ISK 33.60B | -ISK 32.47B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | ISK 98.0M | ISK 111.0M |
| Other Assets | ISK 22.52B | ISK 14.01B |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | ISK 6.0M | ISK 0 |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | ISK 419.0M | ISK 373.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | ISK 425.0M | ISK 373.0M |
| Other Liabilities | ISK 50.74B | ISK 49.95B |
| Other Operating Income Expense | ISK 5.52B | -ISK 222.0M |
| Other Reserves | ISK 14.38B | ISK 13.95B |
| Payments To Acquire Or Redeem Entitys Shares | ISK 5.95B | ISK 12.45B |
| Proceeds From Exercise of Options | ISK 602.0M | ISK 242.0M |
| Proceeds From Issue of Subordinated Liabilities | ISK 10.04B | ISK 19.73B |
| Proceeds From Issuing Shares | ISK 0 | ISK 6.24B |
| Proceeds From Sales of Investment Property | ISK 447.0M | ISK 0 |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | ISK 23.0M | ISK 27.0M |
| Profit Loss From Continuing Operations | ISK 32.53B | ISK 26.15B |
| Profit Loss From Discontinued Operations | -ISK 19.0M | -ISK 37.0M |
| Purchase of Investment Property | ISK 191.0M | ISK 233.0M |
| Purchase of Treasury Shares | ISK 5.95B | ISK 12.45B |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | -ISK 162.0M | -ISK 99.0M |
| Retained Earnings | ISK 201.56B | ISK 186.95B |
| Revenue From Interest | ISK 129.78B | ISK 132.26B |
| Subordinated Liabilities | ISK 43.52B | ISK 44.54B |
Methodology
Every line item above is a fact tagged in Arion banki hf.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (ISK), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.