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Íslandsbanki (ISB) investor relations material
Íslandsbanki Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary1 Aug, 2025
Executive summary
Net profit for Q2 reached ISK 7.2 billion, up 37% year-over-year, with ROE at 13.0%, surpassing internal targets and analyst consensus.
Core operating income increased 11.5% year-over-year, with all revenue streams and business units showing strong growth.
Loan portfolio quality remains high, with over 94% collateralization and Stage 3 loans stable at 1.6%-1.8%.
Deposit growth was 4.4% year-over-year, with retail deposits over 50% of the base and strong liquidity maintained.
Government completed sale of its stake in May, with over 31,000 new retail investors and a 400%+ rise in trading volumes.
Financial highlights
Net interest income for Q2 was ISK 13.9 billion, up 11% year-over-year; net interest margin at 3.3% for Q2 and 3.2% for H1.
Net fee and commission income grew 13% year-over-year, driven by investment banking and card/payment processing.
Cost-to-income ratio improved to 41% in Q2 (down from 45.7% in Q2 2024), reflecting strong revenue and cost control.
Profit for 1H25 was ISK 12.4 billion, up 17% year-over-year; annualized ROE for H1 was 11.1%.
Annualized cost of risk was -0.12% in Q2, reflecting a net release of impairments.
Outlook and guidance
Full-year ROE guidance set at 10-11%, with expectations to be at the upper end if impairments remain low.
Loans and revenue expected to grow in line with nominal GDP; cost-to-income ratio forecasted below 45% for 2025.
Capital optimization and buybacks to continue, with ISK 15bn allocated and CRR3 implementation to reduce risk exposure by 6-7%.
CET1 buffer target remains 100-300bps above requirements; dividend payout policy at 50% of earnings.
Economic growth forecast at 1.9-2% for 2025; inflation persistent, with no further rate cuts expected in 2024.
Impact of fixed-rate mortgage resets on NII?
M&A strategy: domestic vs. international focus?
How will CRR3 changes impact REA reduction?
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Next Íslandsbanki earnings date
Q3 202531 Oct, 2025
Next Íslandsbanki earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Íslandsbanki is a prominent Icelandic bank providing a comprehensive range of financial services. The bank focuses on personal, business, and corporate banking, offering various products including digital banking services, mortgage refinancing, securities trading, and green financing. Íslandsbanki serves sectors such as retail, wholesale trade, services, and construction. The bank emphasizes sustainability, integrating responsible practices and offering green financial products. Additionally, it supports small and medium-sized enterprises through specialized services like its Business Banking Centre. The company is headquartered in Reykjavik, Iceland, and its shares are listed on the OMX Nordic Exchange.
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