Annual Financial Statement

Profit (ISKm)
Capital ratio
Return on equity


Landsbankinn’s funding rests on three main pillars – deposits from customers, market funding and equity. The Bank’s credit rating is measured BBB/A-2 with stable outlook by S&P Global Ratings.

Risk management

Effective and clear risk management was put to the test at the Bank under altered operating conditions in 2020. Clear decision-making processes and authority were decisive, contributing to long-term profitability based on solid foundations.

Documents accompanying the Annual Report

All main documents accompanying the Annual and ESG Report, such as the Annual Financial Statements, the Fact Book, the Corporate Governance Statement, the Pillar III Risk Report, the GRI Index and Appendix, can be accessed from here.


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