Islandsbanki — Fund Information / Factsheet 2017

Nov 9, 2017

Íslandsbanki Fact Sheet 3Q17

Íslandsbanki

Our profile

• A leader in financial services in Iceland, Íslandsbanki is a universal bank with total assets of ISK 1,078bn (EUR 8.7bn) and a 25-50% market share across all domestic business segments.
• National coverage with 14 branches and the most efficient branch network in Iceland, holding a 30% market share nationwide, but with only 17% of the branches.
• Building on over 140 years of servicing key industries in Iceland, Íslandsbanki has developed industry specific expertise in tourism, seafood and energy.
• Driven by the vision to be #1 for service, our relationship banking business model is propelled by three business divisions that manage and build relationships with our customers. A clear focus is on growth, simplifying our operations and unify our objectives with society – or as we like to say it – we multiply, simplify and unify.
• Íslandsbanki is the only bank in Iceland that is rated by two international rating agencies.

Our Bank

Number of FTE's for parent company at period end

Users 109,000 online banking

Market Share

Credit Ratings

S&P Global BBB+/A-2 Ratings Stable outlook

FitchRatings BBB/F3 Stable outlook

ROE reg. operations CET1 15%

REA / total assets, ISKbn

Loans to customers, ISKbn

Profit after tax, ISKm

Loans to customers - sector split

Leverage ratio

Cost / income ratio

Non-performing loans

Total capital ratio

The highlights were not reviewed or audited by the Bank's auditor.

For more information please contact:

Investor Relations: ir@isb.is / Financial Institutions: fi@isb.is

www.islandsbanki.is/IR/Disclaimer