Key Financial Indicators and Balance Sheet Analysis Q1 2023
Own funds
Strong capital ratios
Total capital ratio (%)
Capital position stable between quarters despite
balance sheet growth and share buybacks
REA increased by 2.6% in Q1. The increase is
mainly in credit risk from lending activities
Leverage ratio of 11.3% significantly above
international competitors
27.0
26 All amounts in ISK bn
Leverage ratio (%)
15.1
12.7
12.5
11.8
11.3
2.9
24.0
23.8
23.7
22.4
2.6
3.7
3.6
2.3
31.12.20 31.12.21
31.03.22 31.12.22
31.03.23
1.6
1.5
1.4
1.4
Risk-weighted exposure amount
907
871
884
813
89
89
96
746
11
9
96
27
22.3
88
14
19.6
22
18.6
18.8
18.6
65
64
62
60
60
60
786
806
747
703
636
31.12.20
31.12.21
31.03.22
31.12.22
31.03.23
31.12.20
31.12.21
31.03.22
31.12.22
31.03.23
■CET 1 ratio ■ Additional Tier 1 ratio
■ Tier 2 ratio
Credit risk
Operational risk
Market risk
REA/Total assets (%)View entire presentation