Arion banki hf (OISE:ARION)

Q4 2025 Arion banki hf Earnings Call Transcript

Feb 12, 2026 / 08:30 AM GMT

Release Date Price: kr198.75 (-0.38%)

Transcript

Key Points

Positve

Arion banki hf (FRA:AB7A) achieved a return on equity of 14.9%, surpassing its medium-term financial target of 13%.
Core income grew by 12.3% year-on-year, driven by higher net interest income and resilient fee income.
The cost to core income ratio improved to 42.3%, indicating strong cost discipline.
The bank's capital position is robust, with 308 basis points above regulatory requirements, allowing for strategic flexibility.
The markets division saw a 22% year-on-year increase in assets under management, reflecting positive market conditions and increased customer participation.

Negative

Net impairments in the fourth quarter were above longer-term guidance, primarily due to a single name exposure.
The economic environment remains challenging, with expectations of a slight rise in expected loss in the near term.
Unemployment in Iceland is projected to continue rising, currently at 4.9% and expected to exceed 5% in the first quarter.
Headline inflation remains persistent, with a jump to 5.2% in January, complicating the economic outlook.
The housing market faces challenges with subsided house price inflation and a more limited loan supply.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ARION.IC - Arion banki hf
Q4 2025 Arion banki hf Earnings Call
Feb 12, 2026 / 08:30AM GMT

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Presentation
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Unidentified_1 [1]
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Everyone and welcome to this presentation for the 4th quarter and full year results of 2025 for the Ariane Group.

My name is Benedict Kislason and I'm the CEO of Arion.

Today's agenda is as follows. I'll start by walking you through the key highlights. Then our chief economist Erna Berg Sweredottir will provide an update on the Icelandic economy. After that, our deputy CFO Eke Titson will, dive deeper into the numbers and share our outlook going forward.

Before I start the presentation, I would like to remind our participants online that you can submit questions throughout the presentation.

Through the message boards, message board located below the video feed. You will, and we will, of course, provide

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