Arion banki hf. (ARION_SDB) Q3 2025 Earnings Call

Investor webinar replay

Watch the replay and follow the connected company analysis, news, and investor updates for Arion Banki Hf.

Watch the replay

Replay transcript excerpt

WEBVTT 00:00:01.853 -- 00:00:07.260 Good morning, everyone, and a warm welcome to Ariane Bank's presentation for the third 00:00:07.260 -- 00:00:10.584 quarter and nine months results. My name is Benedikt Gislason. 00:00:10.584 -- 00:00:13.908 I'm the CEO of Ariane. 00:00:13.908 -- 00:00:20.055 Today's agenda is as follows. I'll start by walking you through the key highlights 00:00:20.055 -- 00:00:26.525 from the quarter, our outlook going forward, and a deeper dive into some of the highlights. 00:00:26.525 -- 00:00:31.854 Then our chief economist will provide a brief update on the Icelandic 00:00:31.854 -- 00:00:38.783 economy before we go to a Q&A. So expect a slightly shorter 00:00:38.926 -- 00:00:42.185 presentation than in previous quarters. 00:00:42.185 -- 00:00:46.509 For the Q&A, I would like to remind the participants online that you can submit questions 00:00:46.509 -- 00:00:49.432 throughout the presentation 00:00:49.432 -- 00:00:53.095 via a message board located below the video feed. 00:00:53.095 -- 00:00:59.459 We will provide answers to your questions in the Q&A session at the end of the webcast. 00:01:00.502 -- 00:01:04.966 First of all, we are very happy with the solid results in the quarter and positive nine 00:01:04.966 -- 00:01:08.269 months of the year, which 00:01:08.269 -- 00:01:11.547 is a collective success of all our employees. 00:01:11.547 -- 00:01:17.135 that have worked tirelessly to deliver good services to our clients. 00:01:17.135 -- 00:01:21.541 The return on equity in the quarter was 16%, the 00:01:21.541 -- 00:01:25.367 same as for the nine months, which is well above our medium-term targets of 13%. 00:01:25.367 -- 00:01:27.367 We 00:01:27.750 -- 00:01:32.637 saw good momentum in core earnings, mostly due to higher net interest inco...