Islandsbanki hf (OISE:ISB)

Q4 2025 Islandsbanki hf Earnings Call Transcript

Feb 13, 2026 / 08:30 AM GMT

Release Date Price: kr139 (-1.77%)

Transcript

Key Points

Positve

Islandsbanki hf (OISE:ISB) reported a strong return on equity (ROE) of 11.2% for the year, exceeding their targets.
The bank's cost-income ratio was below targets, indicating efficient operations.
Personal banking saw strong growth in deposits, increasing by around 8%.
Corporate investment banking achieved a return on equity of over 12% with strong growth in fee-generating units.
The bank has been investing in AI and digital services, enhancing customer service and operational efficiency.

Negative

The Icelandic economy is experiencing a slowdown, with GDP growth expected to be modest at 0-1% for the year.
Unemployment is rising in Iceland, contributing to economic uncertainty.
The housing market is cooling down, impacting lending growth in personal banking.
There were significant impairments in the fourth quarter, attributed to distressed credit cases.
The bank faces challenges from high interest rates and inflation, which could impact future performance.

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

ISB.IC - Islandsbanki hf
Q4 2025 Islandsbanki hf Earnings Call
Feb 13, 2026 / 08:30AM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to Islands Monke. This Friday where we present the 4th quarter and full year 25 financial results.

I am Pjane and I am joined as ever by our CEO Jonun Omosson and CFO Ella Lasson.

Before I hand the session over to them, I want to remind you that we will have a Q&A session following the presentation.

You can participate in the session via the conference call using the dialogue details and press pound 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 Iir@eastski.

Now over to you yong k.

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