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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

Executive Committee

Ármann Þorvaldsson became CEO of Kvika in August 2023. Ármann was born in 1968 and previously worked as CEO in the years 2017-2019 and Deputy CEO in the years 2019-2022. Ármann has worked in the financial market for nearly thirty years. From 1997 until 2005 he was Head of Corporate Finance at Kaupthing and in 2005 until 2008 he was CEO of Kaupthing Singer & Friedlander in London. Later he worked at Ortus Secured Finance in London until 2015 when he joined Virðing. Ármann headed up Virðing’s Corporate Finance division before joining Kvika. Ármann has an MBA degree from Boston University and a BA degree in history from the University of Iceland. Ármann controls 759.892 shares in Kvika and has also entered into call option agreements with Kvika in accordance with Kvika’s remuneration policy and incentive scheme. Further, Ármann and his family own the company BMA ehf. which controls 4,082,158 shares in the Bank. He does not have interest links with major clients, competitors or major shareholders as defined by the corporate governance guidelines.

Ármann Þorvaldsson

Anna Rut holds a B.Sc. degree in Business Administration and an MCF degree in corporate finance from Reykjavík University and has completed a degree in securities trading. 

Anna Rut has worked within the Kvika Group since 2007. Anna Rut was Head of Kvika's Office from 2017-2019, Head of Kvika's Business Relations from 2015-2017 and Head of Credit Risk at Straumur Investment Bank hf. from 2011-2015. In addition, Anna Rut has been involved in various projects in the fields of lending, asset management and finance. Anna Rut took over the position of Director of Operations and Development in April 2022.

Managing Director, Operations and Development

Anna Rut Ágústsdóttir

Bjarni Eyvinds has worked in the financial markets for over 15 years. Mr. Eyvinds joined Kvika in 2009 and took over as Managing Director of Capital Markets in 2010. 

Prior to joining Kvika, Mr. Eyvinds served as Senior Vice president of Equity of sales in Straumur Investment Bank. Previously, he worked for MP Investment Bank administrating the division of Capital Markets and Proprietary Trading. After graduation, Mr. Eyvinds began working for Spron, where he worked in asset management and later his own business. 

Mr. Eyvinds holds a BBA degree from George Washington University and has completed a degree in securities brokerage.

Managing Director, Investment Banking

Bjarni Eyvinds

Elisabet has been with Kvika bank since 2021, where she led the bank‘s market funding. Elisabet‘s prior work experience includes working at J.P. Morgan where she worked for ten years in risk management, first in New York managing the bank's market- and counterparty risk, and later in London where she managed a trading book with credit default swaps and syndicated loans. Upon returning home in 2017, Elísabet joined Landsbankinn's treasury department before moving to  Kvika. 

Elísabet is a financial engineer and completed her master's degree at Cornell University in 2008 and her B.Sc. degree in civil engineering from the University of Iceland in addition to having completed a degree in securities trading and diploma studies as an authorized board member.

Managing Director, Risk Management

Elísabet G. Björnsdóttir

Eiríkur Magnús Jensson was appointed CFO of Kvika in December 2022. Prior to joining the Issuer, Eiríkur worked for Arion banki as Head of Treasury from 2019, Head of funding between 2010 and 2019, and in Arion's fund management subsidiary Stefnir between 2008 and 2010. Eiríkur worked for Kaupthing Bank in Group Treasury between 2005 and 2008 as funding manager and as Head of Funding, and for Kaupthing's asset management and research between 1998 and 2003. Eiríkur graduated as MBA from Rotterdam School of Management in 2005 and Csc in Mechanical and industrial engineering from the University of Iceland in 1998. Eiríkur is a certified securities broker.

Eiríkur Magnús Jensson

Guðmundur Þórðarson is the manager of business development at Kvika.

Guðmundur was born in 1972. He graduated with a Cand. Oecon degree in business administration from the University of Iceland in 1997. He has also completed a degree in stockbroking and asset management in the UK.

From 1997 to 2000, Guðmundur worked in asset management at Landsbréfum hf. From 2000 to 2003, Guðmundur worked as an expert at the development and corporate consulting department of Íslandsbanki hf. From 2003 to 2007, Guðmundur worked as the manager of the corporate division at Straumur fjárfestingabanki hf. Before Guðmundur started working as a manager at Kvika in August 2024, he worked on his own investments.

Managing Director, Business Development

Guðmundur Þórðarson

Halldór completed his M.Sc. degree in engineering management from KTH Royal Institute of Technology in Stockholm in 2014 and graduated from the University of Iceland with a B.Sc. degree in industrial engineering in 2003 as well as having completed a degree in securities trading.

Halldór has over two decades of experience in the financial market and has been with Kvika since 2015. He has been Director of Operations for the last four years and was previously a specialist in Kvika's Treasury. Between 2014 and 2015, Halldór was Director of Finance and Operations at the health tech startup Sidekick Health. He was Director of Treasury at MP Bank for seven years between 2006 and 2012, and before that he worked in Risk Management at Kaupþing and Búnaðarbanki Íslands.

Managing Director, Commercial Banking

Halldór Snæland

Hannes Frímann Hrólfsson has worked for the Group since 2012, first as CEO of Auður Capital (later Virðing hf.) which merged with the Issuer in 2017.  Prior to that, Hannes was the Managing Director and co-founder of Tindar Securities and a deputy managing director of treasury and capital markets at Arion banki and Kaupþing bank. 

Hannes holds a Cand. oecon degree in Business Administration from the University of Iceland. He is a certified securities broker and holds an ACI Dealing certificate.

CEO of Kvika Asset Management

Hannes Frímann Hrólfsson

Lilja Jensen has worked for Kvika and its predecessor since 2012 and as General Counsel since 2015. Prior to that, Lilja worked for LOGOS legal services, intermittently from 2008 to 2012 along with law studies and following graduation. Prior to legal work, Lilja worked as a nurse at the National University Hospital of Iceland and Eir nursing home. 

Lilja holds a BSc degree in nursing from the University of Iceland, BA and ML degree in law from Reykjavik University and is licensed to plead cases before the district courts of Iceland.

General Counsel

Lilja Jensen