Islandsbanki hf (OISE:ISB)

Q3 2025 Islandsbanki hf Earnings Call Transcript

Oct 31, 2025 / 08:30 AM GMT

Release Date Price: kr121.5 (-0.41%)

Transcript

Key Points

Positve

Islandsbanki hf (OISE:ISB) reported a strong return on equity of 12.2% for the quarter, exceeding their targets.
The cost to income ratio was well below targets, attributed to lower salary costs during the summer holiday period.
Asset quality remains strong with a stable loan portfolio and low non-performing loans.
The bank's individual banking app has seen significant improvements, leading to a rise in the net promoter score.
Islandsbanki hf (OISE:ISB) maintains a strong market share in the SME sector, particularly in the capital region.

Negative

A Supreme Court ruling required the bank to reassess mortgage terms, resulting in a provision of over 500 million.
Inflation remains high at around 4%, leading to a central bank rate of 7.5%, which could impact economic growth.
Capital markets were slow during the third quarter, affecting revenues from capital markets and asset management.
The residential real estate market in Iceland has slowed down, partly due to high inflation and interest rates.
There is potential risk related to CPI-linked loans, with possible impacts ranging from 2 to 5 billion ISK.

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

ISB.IC - Islandsbanki hf
Q3 2025 Islandsbanki hf Earnings Call
Oct 31, 2025 / 08:30AM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to Islams this Friday, where we present the results for the 3rd quarter financial results.

I am ANA with investor relations and I am joined today by our CEO Jongen Omerson, and CFO Alex.

Before I hand the session over to them, I want to remind you that we welcome any questions following the presentation.

You can participate in the session via the conference call using the dial in details and press key 5, and the operator will give you the floor. You can also submit questions in writing using the webcast form, or, alternatively, send us an email through IR@ Eastlandsket. I.

Now, the floor is yours.

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