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Kvika banki
Kvika banki (KVIKA) investor relations material
Kvika banki Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Completed sale of TM tryggingar hf. to Landsbankinn for ISK 32.3 billion and finalized full acquisition of Ortus, enabling integration and lower funding costs.
Launched Auður Heima mortgages, reaching ISK 23.2 billion in the loan book by year-end.
Achieved record distribution to shareholders of ISK 27 billion and completed Iceland's largest share offering, raising ISK 90.5 billion.
Initiated merger negotiations with Arion following a competitive bidding process, with potential for 26% ownership in the combined entity.
Operations span Iceland and the UK, focusing on asset management, payments, and online banking for individuals, businesses, and investors.
Financial highlights
Net operating income for 2025 was ISK 19,411 million, up from ISK 17,184 million in 2024.
Profit before tax for Q4 2025 was ISK 1,522 million, a 4.9% decrease YoY; profit before tax for 2025 was ISK 6,217 million.
Loans to customers increased 38.2% to ISK 207,560 million; deposits rose to ISK 172,787 million.
Administrative expenses increased 13.9% YoY in Q4 and 13.8% YoY for 12M 2025, partly due to merger-related costs.
Basic EPS was ISK 1.39 (2024: ISK 1.73).
Outlook and guidance
Loan book forecast to reach ISK 280-300 billion by 2027, with continued capital return to shareholders expected.
Capital optimization in 2026 may release up to ISK 15 billion, supporting a 20% ROTE target.
Merger process with Arion ongoing, with regulatory discussions in progress.
Positive operational outlook for 2026, with continued loan book expansion and improved net interest margin.
Dividend proposal of ISK 0.36 per share (ISK 1,566 million), 25% of profit after tax.
Competition Authority's view on Arion merger?
What limits Kvika's Green Asset Ratio?
Impact of warrant tax review on deferred tax?
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Next Kvika banki earnings date
Q1 202613 May, 2026
Kvika banki
Next Kvika banki earnings date
Q1 202613 May, 2026
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Frequently asked questions
Kvika banki hf. is an Icelandic financial institution primarily engaged in providing a range of banking services. The bank operates through several segments including corporate banking, commercial banking, asset management, and capital markets. It offers various financial services such as loans, asset management, private banking, and securities trading. Additionally, Kvika is active in the insurance sector through its subsidiary, TM tryggingar hf., which it has recently decided to sell. The bank also has a growing presence in fintech and payment solutions through its subsidiaries, including Aur and Straumur, which provide digital banking and payment facilitation services. The company is headquartered in Reykjavík, Iceland, and its shares are listed on the Iceland Stock Exchange.
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