Investor Relations

Investor Relations is committed to providing timely and relevant information about Íslandsbanki to all investors, analysts and other stakeholders. Our goal is to establish and maintain a good relationship with our stakeholders in an open and transparent manner.

Investor Relations

Here you will find information about Íslandsbanki financial results, funding,  ratings, AGMs, ownership and financial calendar.

For further information, please contact our Investor Relations team.


Íslandsbanki publishes quarterly financial information. Click on the link below to see all other relevant information about our accounts.


Press release


Fact book

Pillar 3 disclosures




IR Releases

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The Bank is predominantly funded by deposits but further diversification of the Bank´s funding base has been an important theme in recent years.

Íslandsbanki is one of the largest issuer of covered bonds in the domestic market. Domestically, the Bank is also a frequent issuer of unsecured listed securities.

The Bank’s Global Medium Term Note (“GMTN”) Programme is the Bank´s platform for funding in international markets. The inaugural bond issue under the GMTN programme was in December 2013.

Credit rating

Íslandsbanki has a BBB / A-2 credit rating issued by S&P Global Ratings

Íslandsbanki's Shareholders

According to Art. 19 of the Act on Financial Undertakings, Íslandsbanki is obliged to state on its website the names and proportional ownership of all of those who own more than 1% of the Bank's shares at any given time. If a legal entity owns more than 1% of the Bank‘s shares, it shall be stated which individual or individuals are the beneficial owners of the legal entity in question. Beneficial owner in this regards, means an individual or individuals who have a direct or indirect ownership in a company amounting to 10% or more of the shares or voting rights or is otherwise capable of exercising substantial influence over the company in question.

Information on shareholders and the size of their holding is based on information from Nasdaq CSD as the Bank's share register and information on beneficial owners is based on information available from public sources. The information is compiled and processed from various sources, including Monitor by Modular Finance AB and Morningstar. The Bank has four days to update its website from the time that the changes are made to the ownership. Note, in case of fund management entities, the beneficial owner of the company is not necessarily the beneficial owner of the underlying funds. Furthermore, information on the holdings of individual funds is published jointly under the name of their management company.

The State Ownership Policy for financial undertakings, from February 2020, sets out, e.g. the State’s goals for holdings in financial undertakings and the main principles of the Ownership Policy

State Ownership Policy - Icelandic version

Icelandic State Financial Investments (ISFI) and Íslandsbanki entered into an agreement on the basis of Act No. 88/2009 on Icelandic State Financial Investments.

ISFI Íslandsbanki Relationship Agreement


Ana­lysts cov­er­ing Íslandsbanki

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Annual General Meeting

The Annual General Meeting (AGM) is the supreme decision-making body of Íslandsbanki.

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About the Bank

he Bank believes in moving Iceland forward by empowering its customers to succeed - reflecting a commitment to run a solid business that is a force for good in society. Driven by the ambition to be #1 for service, Íslandsbanki’s banking model is led by three business divisions that build and manage relationships with its customers.

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In accordance with the Act on Securities Transactions No. 108/2007 and the Transparency Directive, natural and legal persons are obliged to notify the Icelandic Financial Supervisory Authority of the Central Bank of Iceland (FSA CB) and Íslandsbanki of the percentage of their holdings of voting rights as soon as these rise above, fall below or reach certain thresholds because of the acquisition or disposal of shares or financial instruments or due to other reasons.

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Íslandsbanki will focus on integrating sustainability considerations into its activities, in addition to its profit objectives. The Bank intends to initiate broad collaboration on responsible business practices that both contribute to sustainable development in the Icelandic economy while also supporting the UN SDGs.

Financial Calendar

Íslandsbanki plans to publish its interim and annual financial statements according to the following dates:

  • Interim financial results 4Q / Annual accounts 2021 – 10 February 2022
  • AGM 2022 – 17 March 2022
  • Interim financial results 1Q2022 – 5 May 2022
  • Interim financial results 2Q2022 – 28 July 2022
  • Interim financial results 3Q2022 – 27 October 2022

Please note that the dates are subject to change.

Silent Periods

Íslandsbanki observes a 'quiet period' for 21 calendar days prior to the publication of interim and full year financial results. This means they will not comment on the Bank’s non-disclosed financial performance or outlook during meetings with investors, analysts, and/or other market participants. The Bank will not make presentations at financial conferences, nor will it hold discussions/conference calls with investors, analysts and/or other market participants where non-disclosed financial performance or expectations are discussed. Please visit Financials for further information on Íslandsbanki’s interim and annual financial accounts.

Due to the Annual General Meeting

Shareholders shall submit matters and / or proposals to be considered at the meeting no later than two weeks before the meeting in accordance with Article 88. Act on Public Limited Companies no. 2/1995. Candidates for the Board of Directors shall notify their candidacy in writing no later than five days before the Annual General Meeting in accordance with Article 63. a. the same law.

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