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Commercial bank

Organization chart

Commercial Banking

Skipurit

Standard Settlement Instructions

Sustainability

Starfsreglur og stjórnarhættir

Sjálfbærni

Vextir og verðskrá

Upplýsingagjöf tengd sjálfbærni á sviði fjármálaþjónustu (SFDR)

Viðskiptabanki

Fjárfestingarbanki

Tilnefningarnefnd

Ávöxtunarleiðir séreignarsparnaðar

Störf í boði hjá Kviku banka

Fjölmiðlar

General Terms and Policies

Fjárfestadagur Kviku

Aur - Netöryggi

Kynning á uppgjöri

Netgíró - Netöryggi

Kvika - Netöryggi

Stjórn og stjórnarhættir

Jólagjöf Kviku 2024

Séreignasparnaður

Undirnefndir stjórnar og endurskoðun

Reglur og skilmálar

Kvika verðbréf

Investment Banking & Capital Markets

Um Kviku

Ársreikningar dótturfélaga Kviku

About Kvika

Dótturfélög

Áreiðanleikakönnun lögaðila

Media

Skiptiþjónusta

FrumkvöðlaAuður

Test

Jafnréttisstefna

Kynning á uppgjöri 2023

Skilmálar og persónuverndarstefna

Áreiðanleikakönnun einstaklinga

Reports

Meðferð kvartana

Sjálfbærnióskir

Kreditkort Kviku

Remote work policy

Kynning á uppgjöri 2022

Skýrslur og úttektir

Apple Pay

Google Pay

Söguleg gögn TM og Lykils

Mannauður

Skilmálar Kvika Verðbréf

Kvika's Cookie Policy Terms and Conditions

Upplýsingar vegna FATCA

Upplýsingaöryggisstefna

Skilmálar Kviku um notkun á vefkökum

Mannauðsstefna

Slice Showcase

Fjarvinnustefna

Skilmálar: Kvika verðbréf

Áreiðanleikakönnun söluaðila Netgíró og Aur

Stefna Kviku

Könnun

Gjaldeyrir

Tilhlýðileikamat

Corporate Governance

PSD2 and test environment

PSD2 og prófunarumhverfi

Fyrirtækjaráðgjöf

Fyrirvari um tölvupost

Bankasvið

Markaðir

Sterk auðkenning

Tölvupóstur

Shareholder meetings

Community

Fjárfestingar og viðskiptahættir

Kvika's Strategy

Human Resources

Investments and business practices

Subsidiaries

Samfélagið

Kvika Bank’s Green Financing Framework

Environment

LEI auðkenni

Ársreikningar og uppgjör

Kvika Sustainability Report 2025.pdf

The Board of Directors (the Board) comprises five non-executive directors, and one alternates.

Directors

Sigurður Hannesson is the chairman of the BOD. He was appointed to Kvika’s BOD in March 2020. He was born in 1980 and is currently the Director General of the Federation of Icelandic Industries. From 2013-2017, Sigurdur worked as a managing director of Kvika’s (previously MP Bank’s) asset management division. In 2015, Sigurdur was the Vice-Chairman of the Government Task Force on lifting of capital controls and in 2013 the Chairman of the Expert Group on household debt relief. From 2010-2013, Sigurdur worked as CEO of Jupiter fund management company, now Kvika eignastýring, and in Capital Markets at Straumur Investment Bank from 2007-2010. Sigurdur holds a DPhil degree in mathematics from the University of Oxford, a BS degree in mathematics from the University of Iceland and is a certified securities broker. 

Sigurður also sits on the boards of Iceland Symphony Orchestra, Grænvangur (Green by Iceland), Reykjavík University, Skólastræti and the Icelandic Cancer Society. Sigurður owns 8,550,107 shares in the Bank through shareholding in the private limited company BBL 39 ehf., but does not have interest links with major clients, competitors, or big shareholders in the sense of the corporate governance guidelines and is also independent from the bank in sense of the guidelines.

Chairman

Sigurður Hannesson

Guðjón Reynisson was appointed to Kvika’s BOD in March 2018. He was born in 1963 and works as an independent investor and board member. Between 2008 and 2017 he served as CEO of Hamleys of London. From 2003 to 2008, he served as managing director of the 10-11 stores. From 1998 to 2003 he was the managing director of the sales division of Tal, an Icelandic phone company. He graduated with an MBA degree from the University of Iceland in 2002. He graduated with an Operations and Business degree from the Continuing Education Study of the University of Iceland in 1999 and graduated with a degree as a licensed physical education teacher from the University of Iceland in 1986. 

Guðjón has been on the board of directors of Festi hf. since 2014, of Securitas hf. since 2018 and of Dropp ehf. since 2020. In 2024 Guðjón also took seat on the board of the private equity fund Harpa Capital Partners II. Guðjón controls 10,410,789 shares in Kvika through his private limited company, Hakk ehf., but does not have interest links with major clients, competitors, or big shareholders in the sense of the corporate governance guidelines and is also independent from the bank in sense of the guidelines.

Board member

Guðjón Reynisson

Helga Kristín Auðunsdóttir is the deputy chairperson of the BOD. She was appointed to Kvika’s BOD in April 2021. She was born in 1980. Helga Kristín is a doctor in Law from Fordham University in New York. In her doctoral studies at Fordham University she researched corporate governance and hedge fund investments. Helga Kristín graduated with BS in Business Law from Bifröst University in 2004 and with a master’s degree in law from the same university in 2006. She graduated with an LL.M degree in law from the University of Miami, with a focus on international business law and contracts in 2010. Helga Kristín is an assistant professor at the Department of Law at Reykjavík University. Before that, she worked as a director and assistant professor at Bifröst University, as a lawyer for Stoðir hf., as a lawyer for FGM/Auðkenni, now part of the Central Bank of Iceland and as a lecturer at the faculty of law at University of Miami. 

Helga Kristín has been a member of the board of directors of TM tryggingar hf. from 2023 and in the years 2020-2021. She was also an appointed alternate on the board of directors of Tryggingamiðstöðin hf. in 2012-2015. Helga Kristín does not own shares in the Bank and does not have interest links with major clients, competitors, or big shareholders in the sense of the corporate governance guidelines and is also independent from the bank in sense of the guidelines.

Helga Kristín Auðunsdóttir

Ingunn Svala Leifsdóttir was appointed to Kvika’s BOD in September 2021. Ingunn was born in 1976. She graduated with a BS degree in Business from the University of Iceland in 1999, with a focus on accounting and finance, and with a Cand. Oecon business degree from the same University in 2001, with a focus on accounting and management. Ingunn Svala completed the Advanced Management program (AMP) from the IESE Business School in New York in 2018. Ingunn Svala currently works as a chief executive officer at Olís. Prior to that she worked as a COO for Dohop and as an executive director of operations at Reykjavík University. Ingunn Svala also has extensive experience from the financial sector. She worked for the Kaupthing’s Resolution Committee as Chief Financial Officer from 2009 to 2011 as well as working as a Global Business Controller in Investment Banking at Kaupþing bank in 2007 to 2009. Ingunn Svala also worked within the Actavis Group PTC consolidation in 2006 to 2007 as a CFO for four subsidiaries, namely Actavis hf., Medís ehf., Actavis Group hf. and Actavis Group PTC ehf. 

Ingunn Svala has extensive experience of serving as a board member and has previously served on the boards of Ósar – lifeline of health hf. and of its subsidiary, Parlogis ehf., as well as Slippurinn Akureyri and Lífís, a subsidiary of VÍS. Ingunn Svala does not own shares in the Bank and does not have interest links with major clients, competitors, or big shareholders in the sense of the corporate governance guidelines and is also independent from the bank in sense of the guidelines.

Ingunn Svala Leifsdóttir

Páll Harðarson was appointed to the bank’s Board of Directors in March 2025. He was born in 1966. Páll holds a Ph.D. degree in economics from Yale University and a B.A. degree in economics from Macalester College. Pall served as BU CFO of Nasdaq Trading Services from 2023 to 2024 and BU CFO of European Markets at Nasdaq from 2019 to 2023. Prior to these roles, Páll served as CEO of Nasdaq Iceland from 2011 to 2019, and as Deputy CEO and Chief Operating Officer from 2002 to 2011. He also worked as an economist at the National Economic Institute of Iceland from 1999 to 2002. 

Páll has extensive experience as a board member, having served on the boards of various companies and organizations, including the Nasdaq stock exchanges in the Nordic countries. Páll owns 700,000 shares in Kvika. Páll does not have any interests in major business entities, competitors, or large shareholders within the meaning of the Guidelines on Corporate Governance and is independent from the company.

Páll Harðarson

Kolbrún Jónsdóttir was appointed to the bank´s board as an alternate member in March 2025. Kolbrún was born 1962. She holds a Cand Oecon degree from University of Iceland. Kolbrún worked as the Chief Financial Officer at Íslandshótel, having served on the board from 2015-2016. Kolbrún was the Manager Director of the investment fund Kjölfesta in the years 2012-2016. From 2008-2010, she worked at the insurance company VÍS as the Chief Financial Officer. Kolbrún worked at Íslandsbanki in the years 1996-2008 as a Branch Manager and Director of bank´s  Back Office, in addition to working in various projets for the bank.  In  the years 1989-1996 she was the Chief Financila Officer of Húsasmiðjan.  

Kolbrún has extensive experience in management postions and has, amont others, served on the boards of Íslandsbanki, Húsasmiðjan, Íslandshótel and has been the chairman of  the audit committe of a pension fund. Kolbrún controls 12.850 shares in Kvika through Tópas  ehf. Kolbrún does not have any interests in major business entities, competitors, or large shareholders within the meaning of the Guidelines on Corporate Governance and is independent from the company.

Deputy board member

Kolbrún Jónsdóttir

Thomas Skov Jensen was appointed to the bank’s board as an alternate member in March 2025. Thomas was born in 1972. He holds an M.Sc. in Civil Engineering from DTU in Denmark from 1998 and an MBA from Reykjavik University from 2008. He is also a certified Financial Risk Manager (FRM). Today Thomas is the Managing Director of Construction Services at Ístak, where he is also a member of the company’s Executive Board.

Prior to joining Ístak, Thomas spent over 16 years at Kvika banki and the bank’s predecessors, between the years 2007-2023, where he, among other things, served as Chief Risk Officer and was a member of the Executive Committee. Before that he served as project manager at EFLA from 2001-2007. In addition to his executive roles, Thomas has held various board and committee appointments. He has served on the Audit Committee of Birta Pension Fund since 2024, was a member of the Board of Directors of TM from 2024 to 2025, and a member of the Board of Directors of Netgíró between 2017 and 2018.

Thomas controls 1,666,667 shares in Kvika through his private limited company, Millicent ehf., but does not have interest links with major clients, competitors, or large shareholders in the sense of the corporate governance guidelines. Thomas is, however, not considered independent from the bank in the understanding of the guidelines, since he held the position of Chief Risk Officer until the year 2023.  

Thomas Skov Jensen