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Investor Relations14 Oct 2025
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Kvika banki (KVIKA) investor relations material
Kvika banki Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Pre-tax profit reached ISK 2,025 million in Q2 2025, up 70.3% year-over-year, and after-tax profit was ISK 1,439 million, a 21.9% increase.
Net operating income for 6M 2025 was ISK 9,577 million, up 18.8% year-over-year; profit after tax, including discontinued operations, totaled ISK 3,525 million.
Sale of TM tryggingar hf. finalized in February 2025 for ISK 32.2 billion, removing the financial conglomerate designation.
Merger discussions with Arion banki hf. are ongoing, with Kvika shareholders expected to hold 26% in the combined entity.
Auður brand entered the mortgage market in May 2025, offering non-indexed housing loans with competitive rates.
Financial highlights
Net interest income rose 21.9% in Q2 to ISK 2,962 million; for 6M 2025, it was ISK 5,879 million.
Net fee and commission income surged 43.2% in Q2 to ISK 1,935 million; 6M net fee income was ISK 3,455 million.
Administrative expenses increased 9.1% year-over-year in Q2 and to ISK 6,071 million for 6M 2025.
Net operating income for Q2 2025 was ISK 5,128 million, up 28.3% year-over-year.
Debt issuance rose with a EUR 200 million bond in May, diversifying the funding base.
Outlook and guidance
Lending momentum is accelerating, with over ISK 3 billion in new mortgages in Q2 and ISK 15 billion in the pipeline.
Merger with Arion banki hf. expected to enhance risk distribution, revenue diversity, and efficiency.
Implementation of CRR III is projected to reduce risk-weighted exposure by 14%, positively impacting capital ratios.
Covered bond issuance is planned for Q4, with further international issuance to pre-fund 2026 maturities.
Auður’s mortgage entry expected to increase competition in housing finance.
What's the estimated CRR III impact on risk exposure?
What's driving the increase in loans to customers?
How does Kvika manage its interest rate risk?
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Next Kvika banki earnings date
Q3 20256 Nov, 2025
Next Kvika banki earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
Kvika banki hf. is an Icelandic financial institution primarily engaged in providing a range of banking services. The bank operates through several segments including corporate banking, commercial banking, asset management, and capital markets. It offers various financial services such as loans, asset management, private banking, and securities trading. Additionally, Kvika is active in the insurance sector through its subsidiary, TM tryggingar hf., which it has recently decided to sell. The bank also has a growing presence in fintech and payment solutions through its subsidiaries, including Aur and Straumur, which provide digital banking and payment facilitation services. The company is headquartered in Reykjavík, Iceland, and its shares are listed on the Iceland Stock Exchange.
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