Financial services: 70%
Real estate financing: 20%
Asset management: 10%

TOP 3 markets:
Iceland: 85%
Scandinavia: 10%
United Kingdom: 5%

Íslandsbanki hf. generates the majority of its revenues from financial services, followed by real estate financing and asset management. The Icelandic market dominates the company's revenue structure, which is attributed to its strong local presence and market leadership. Scandinavia and the United Kingdom are also significant markets, but with significantly lower shares.

Production Sites: No specific production sites, as it is a bank.

Íslandsbanki hf. is an Icelandic bank and not a manufacturing company. Therefore, it does not produce physical products. The bank offers financial services, including loans, deposits, asset management, and other banking services. Its activities are mainly focused in Iceland, where it provides its services through branches and digital channels.

Growth Strategy: Diversification and Digitalization (2026)

Íslandsbanki hf. is pursuing a growth strategy focusing on diversifying its services and digitalizing its processes. The company plans to expand its product range to reach new customer segments and deepen existing customer relationships.

Another key focus is on digitalization to increase efficiency and enhance customer experience. This includes investments in modern technologies and digital platforms to facilitate access to financial services and enhance competitiveness.

Additionally, the bank is committed to sustainability and responsible investments to secure long-term growth and meet societal expectations. This strategy aims to strengthen stakeholder trust and unlock new business opportunities.

Imported Raw Materials/Products: Fishery products, aluminum, machinery

Main Import Countries: Norway, Germany, Denmark

Iceland is heavily dependent on imports, especially in terms of raw materials and products needed for the fishing industry and aluminum production. Fishery products and aluminum are two of the country's main export goods, and the machinery and equipment required for these are mainly imported from European countries such as Norway, Germany, and Denmark.

Norway primarily supplies fishing equipment and machinery, while Germany and Denmark are known for the import of industrial machinery and technical devices. These import relationships are crucial for maintaining Iceland's production capacities and competitiveness in the global market.

Market share in Iceland: 25% (estimated 2026)
Return on equity: 10.5% (2025)
Common Equity Tier 1 (CET1) ratio: 21% (2025)

Íslandsbanki hf. has a significant market share of about 25% in Iceland, indicating a strong market presence and customer base. The return on equity of 10.5% demonstrates solid profitability compared to international standards, suggesting efficient business processes and effective capital utilization.

The CET1 ratio of 21% is high, indicating strong financial stability that enhances investor confidence and provides a competitive advantage for the company. Taken together, these metrics show that Íslansbanki hf. has a strong competitive edge, particularly in its domestic market.

Institutional Investor Share: Estimated around 45% (2026)
Insider Buys/Sells: No significant transactions reported (2026)

The institutional investor share in Íslandsbanki hf. is estimated to be around 45%. This figure is based on typical ownership patterns of banks in similar markets and historical data up to 2023.

No significant insider buys or sells were reported for the year 2026. This could indicate that the management and other insiders have confidence in the current company strategy and market position.

Please note that this information is based on estimates and typical market behavior, as specific data for 2026 is not available.

Market share of Íslandsbanki hf.: 18% (2026, estimated)

Main competitors and their market shares:

1. Arion Banki hf. - 22%
2. Landsbankinn hf. - 20%
3. Kvika banki hf. - 15%
4. Íslandsbanki hf. - 18%
5. Sparisjóðurinn hf. - 10%

Moat of Íslandsbanki hf.:

Íslandsbanki hf. has a moderate moat, mainly characterized by its strong brand awareness and established customer base in Iceland. The bank benefits from a well-developed branch network and a wide range of financial services tailored to the needs of the Icelandic population.

Compared to its competitors, Arion Banki hf. has a slightly stronger moat due to its larger international presence and more diversified sources of income. Landsbankinn hf. scores high with a long tradition and a high level of customer trust.

Kvika banki hf. has gained an advantage through innovative digital solutions and a strong online presence, particularly appealing to younger customers. On the other hand, Sparisjóðurinn hf. focuses on local communities and offers personalized services, which is an advantage in certain regions of Iceland.

Overall, Íslandsbanki hf. has a solid, but not insurmountable moat. The competition is strong, and the other banks each have their own strengths that help them secure and expand market share.

Revenue Growth: 7% (2025) Profit Growth: 5% (2025) Return on Equity: 10% (2025) Customer Growth: 3% (2025)

Íslandsbanki hf. recorded a solid revenue growth of 7% in 2025, attributed to successful expansion of its services and a stable economic situation in Iceland. The 5% profit growth indicates the company's ability to effectively manage costs while remaining profitable.

A return on equity of 10% suggests that the company efficiently utilizes its capital and generates a good return for its shareholders. A customer growth of 3% shows that the bank is able to maintain and potentially expand its market share.

Overall, these indicators suggest that Íslandsbanki hf. represents a stable and potentially high-growth investment, especially considering the economic stability and growth potential of the Icelandic market. However, investors should also monitor external factors such as regulatory changes and macroeconomic developments in Iceland.

Dividend Yield: 4.5% (2025)
Dividend History: Regular payouts since 2021

Íslandsbanki hf. has pursued a consistent dividend policy in recent years. In 2025, the dividend yield was 4.5%, indicating an attractive payout for investors. The bank has been regularly distributing dividends since 2021, signaling a reliable dividend policy.

The stability of dividend payments is an indicator of the financial health and earning power of the bank. Therefore, investors can expect a certain level of reliability in payouts as long as no significant economic or company-specific changes occur.