Together, these reports provide a comprehensive and detailed picture of the Bank's activities in 2025, along with the main priorities. Those reports are prepared in accordance with global standards such as the International Financial Reporting Standards (IFRS), the Nasdaq ESG Reporting Guide, Partnership for Carbon Accounting Financials (PCAF), Task Force on Climate-Related Financial Disclosures (TCFD) as well as Icelandic law and European Regulation. The Bank emphasises increased flow of transparent information on sustainability. Auditing firm KPMG ehf. reviewed and confirmed with limited assurance the selected sustainability disclosure in the Annual and Sustainability Report for 2025.
Reports 2025
This Annual and Sustainability Report is Íslandsbanki's integrated core report. We also publish other reports designed to provide stakeholders with additional information on specific subjects such as risk management, financial and sustainability performance.
A fully market‑based ownership structure enhances transparency, supports strong governance practices, and provides a clearer foundation for long‑term value creation.
Jón Guðni Ómarsson, Chief Executive Officer
Key Figures 2025
Roe - 11.2%
Cost-to-income ratio - 42.4%
CET1 ratio - 20.1%
Total capital ratio - 24.0%
LCR - 203%
NSFR - 127%
Leverage ratio - 12.5%
Total assets - ISK 1,728bn
Regular dialogue and a clear articulation of strategic priorities help ensure that stakeholders have insight into the Board's work and its decision-making framework.
Heiðar Guðjónsson, Chairman of the Board