Íslandsbanki hf. financials
Íslandsbanki hf.
Country: IS Reporting currency: ISK Latest annual report: 2025-12-31
LEI:
549300PZMFIQR79Q0T97 Financial statements
(ISK, as reported — unscaled; 92 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Other income | ISK 670.0M | ISK 2.67B |
| Administrative expenses | ISK 0 | ISK 470.0M |
| Operating expenses | ISK 31.56B | ISK 30.00B |
| Employee benefits expense | ISK 17.80B | ISK 16.33B |
| Net finance income / (cost) | -ISK 922.0M | -ISK 338.0M |
| Profit before tax | ISK 34.99B | ISK 33.70B |
| Income tax expense | ISK 9.75B | ISK 9.46B |
| Profit for the year | ISK 25.25B | ISK 24.25B |
| Total comprehensive income | ISK 24.59B | ISK 24.02B |
| Per share | ||
| Basic EPS | ISK 13.62 | ISK 12.53 |
| Diluted EPS | ISK 13.62 | ISK 12.53 |
| Free cash flow / share | ISK -0.24 | ISK 8.25 |
| Cash flow statement | ||
| Net cash from operating activities | ISK 30.0M | ISK 16.40B |
| Net cash from investing activities | -ISK 1.04B | -ISK 922.0M |
| Purchase of PP&E (capex) | ISK 484.0M | ISK 426.0M |
| Purchase of intangibles | ISK 734.0M | ISK 501.0M |
| Net cash from financing activities | ISK 45.67B | -ISK 68.92B |
| Dividends paid | ISK 12.10B | ISK 12.30B |
| Proceeds from borrowings | ISK 143.53B | ISK 103.76B |
| Repayments of borrowings | ISK 70.58B | ISK 150.75B |
| Lease liability payments | ISK 589.0M | ISK 566.0M |
| Net change in cash | ISK 44.66B | -ISK 53.44B |
| Balance sheet | ||
| Total assets | ISK 1.73T | ISK 1.61T |
| Property, plant & equipment | ISK 4.70B | ISK 5.04B |
| Cash & equivalents | ISK 125.90B | ISK 83.55B |
| Total equity | ISK 225.36B | ISK 227.35B |
| Derived metrics | ||
| Free cash flow | -ISK 454.0M | ISK 15.97B |
| Return on equity | 11.2% | 10.7% |
| Cash conversion ratio | 0.00× | 0.68× |
| Capex coverage | 0.06× | 38.49× |
| Other reported items | ||
| Cash and Bank Balances At Central Banks | ISK 80.39B | ISK 65.72B |
| Cash On Hand | ISK 3.27B | ISK 3.62B |
| Current Tax Liabilities | ISK 12.76B | ISK 12.92B |
| Debt Instruments Held | ISK 151.96B | ISK 142.62B |
| Debt Securities | ISK 444.59B | ISK 367.59B |
| Deposits From Banks | ISK 13.25B | ISK 12.54B |
| Deposits From Customers | ISK 968.70B | ISK 926.85B |
| Derivative Financial Assets | ISK 5.30B | ISK 5.32B |
| Derivative Financial Liabilities | ISK 6.18B | ISK 7.31B |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | -ISK 12.10B | — |
| Dividends Received Classified As Operating Activities | ISK 1.08B | ISK 431.0M |
| Dividends Recognised As Distributions To Owners Per Share | ISK 6460000.00 | ISK 6260000.00 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -ISK 2.31B | -ISK 2.08B |
| Equity and Liabilities | ISK 1.73T | ISK 1.61T |
| Equity Instruments Held | ISK 20.52B | ISK 24.33B |
| Fee and Commission Expense | ISK 6.03B | ISK 5.82B |
| Fee and Commission Income | ISK 20.13B | ISK 18.94B |
| Fee and Commission Income Expense | ISK 14.10B | ISK 13.12B |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | ISK 427.0M | ISK 607.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | ISK 299.0M | ISK 240.0M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | ISK 681.0M | -ISK 645.0M |
| Income Tax Relating To Changes In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability of Other Comprehensive Income | -ISK 229.0M | -ISK 328.0M |
| Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income | ISK 78.0M | ISK 71.0M |
| Increase Decrease In Working Capital | ISK 31.55B | -ISK 5.64B |
| Increase Decrease Through Sharebased Payment Transactions | ISK 104.0M | — |
| Intangible Assets Other Than Goodwill | ISK 2.68B | ISK 2.68B |
| Interest Expense | ISK 80.50B | ISK 94.08B |
| Interest Paid Classified As Operating Activities | ISK 74.65B | ISK 94.69B |
| Interest Received Classified As Operating Activities | ISK 131.78B | ISK 129.33B |
| Interest Revenue Calculated Using Effective Interest Method | ISK 129.32B | ISK 135.28B |
| Interest Revenue Expense | ISK 52.47B | ISK 47.27B |
| Investment Property | ISK 2.90B | ISK 2.60B |
| Investments In Associates Accounted For Using Equity Method | ISK 5.38B | ISK 4.70B |
| Issued Capital | ISK 8.90B | ISK 9.47B |
| Liabilities | ISK 1.50T | ISK 1.38T |
| Loans and Advances To Banks | ISK 80.01B | ISK 50.49B |
| Loans and Advances To Customers | ISK 1.37T | ISK 1.30T |
| Miscellaneous Other Operating Income | ISK 1.17B | ISK 2.40B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | — | ISK 1.62B |
| Other Adjustments For Noncash Items | -ISK 40.03B | -ISK 37.28B |
| Other Assets | ISK 7.19B | ISK 8.92B |
| Other Comprehensive Income | -ISK 655.0M | -ISK 228.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -ISK 1.10B | -ISK 746.0M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | ISK 2.0M | -ISK 2.0M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | ISK 2.0M | -ISK 2.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | ISK 221.0M | ISK 190.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -ISK 876.0M | -ISK 418.0M |
| Other Expense By Nature | ISK 11.68B | ISK 11.30B |
| Other Liabilities | ISK 17.00B | ISK 21.57B |
| Other Reserves | ISK 7.20B | ISK 7.10B |
| Payments To Acquire Or Redeem Entitys Shares | ISK 14.59B | ISK 9.05B |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | ISK 198.0M | ISK 101.0M |
| Profit Loss From Discontinued Operations | — | ISK 119.0M |
| Purchase of Investment Property | ISK 25.0M | ISK 96.0M |
| Purchase of Treasury Shares | ISK 14.59B | ISK 9.05B |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | ISK 3.0M | -ISK 1.0M |
| Reduction of Issued Capital | ISK 0 | — |
| Retained Earnings | ISK 166.79B | ISK 155.78B |
| Revenue and Operating Income | ISK 67.24B | ISK 63.06B |
| Share Premium | ISK 42.47B | ISK 55.00B |
| Subordinated Liabilities | ISK 40.31B | ISK 31.70B |
| Tax Expense Other Than Income Tax Expense | ISK 2.08B | ISK 1.90B |
Methodology
Every line item above is a fact tagged in Íslandsbanki 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.