A special court in Reykjavik said Mr Haarde would face no punishment and his legal expenses would be paid for.
But he was found guilty of one of the four charges: not holding cabinet meetings when things turned critical.
Mr Haarde, 61, is thought to be the first world leader to face criminal charges over the financial crisis.
Iceland’s three main banks collapsed during economic turmoil and the failure of online bank Icesave hit thousands.
The collapse led to a dispute over compensation between the UK and Iceland, which remains unresolved.
Some Icelanders have seen the trial of Mr Haarde as scapegoating, while others have argued that public accountability is essential following the country’s financial collapse.
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