Sustainability

The Kvika Group is a responsible participant in society. We emphasize long-term thinking and contribute to a sustainable society.

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Sustainability is at the core of Kvika’s business model, and we always take the ESG factors into consideration in our decision-making processes. Sustainability is considered in product development and innovation, and when we communicate with our partners and customers. We attach great importance to diversity among our staff and their well-being, training, and participation in community projects.

Sustainability Report

Sustainability Report 2025

Kvika’s Sustainability Report for the year 2025 is published alongside the annual financial statements of Kvika and its subsidiaries. In preparing the report Kvika has, for the second time, considered the European Sustainability Reporting Standards (ESRS) for selected disclosing requirements. Deloitte has provided a limited assurance on selected disclosing requirements, as well as on the allocation of green funds under Kvika’s Green Funding Framework, which can be found at the end of the report.

Sustainability Report - PDF version

Key focus areas of Kvika´s Sustainability Policy

Good Governance

Emhasis is placed on transparency, accountability and professionalism in governance. In line with the double materiality assessment the focus within sustainability is on sound business practices and compliance with financial market regulations.

Employee Well-being and Advancement

Emphasis is placed on creating a work environment that supports mental, physical, and social well-being, as well as employee development. Equality, diversity, and inclusive workplace where everyone can thrive is actively supported.

Responsible and Trusted Services

Responsible financial services are built on strong ethics, trust, and professional advice. At Kvika, employees strive to provide customers with transparent, honest, and professional services, with a long-term perspective in mind. Strong emphasis is placed on information security and the protection of personal data in the operations.

Sustainable Finance and Fintech

Kvika leverages financial services and technology, among other things, to drive sustainable development. Investment and lending are to consider the ESG factors to the extent possible. Emphasis is placed on developing financial solutions that enhance accessibility, security, and transparency in financial services.

The United Nations Sustainable Development Goals Kvika has adopted:

Partnerships

We are all pursuing the same objective when it comes to sustainability, and good cooperation and partnership is key. Here are examples of Kvika's partnerships:

Sustainability Library*

*The library may not include Kvika´s entire E, S and G related material. Some policies may have been summarized and some may not have been translated into English. Please contact us at kvika@kvika.is if you have any inquires.