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Visual21 Nov 2025
Data center suppliers
Artea bankas (ROE1L) investor relations material
Artea bankas Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Adjusted net profit for nine months exceeded EUR 56 million, with reported net profit at EUR 48.4 million, and Q3 adjusted net profit at EUR 19.5 million, equating to a 13.5% ROE.
Net interest income grew 6% quarter-on-quarter, but declined 14% year-on-year to €104.3 million; net fee and commission income rose 8% year-on-year.
Loan portfolio expanded 8% year-on-year to €3.7 billion, with deposit portfolio up 11-15% to over €3.75 billion; loan-to-deposit ratio brought below 100%.
Strategic partnership launched with Kauno Žalgiris to boost brand visibility and attract new clients.
Share buybacks resumed post-ECB approval, with up to 4.5 million shares authorized for repurchase.
Financial highlights
Net profit for 9M 2025 was €48.4 million (down 24% YoY); Q3 adjusted net profit was €19.5 million; return on equity was 11.1% reported and 13% adjusted for nine months, with Q3 ROE at 13.5%.
Net interest margin stabilized at 2.9% in Q3; cost/income ratio increased to 58%.
Operating expenses remained flat overall, with increases from strategic investments and rebranding.
CET1 ratio at 17.0%, with total assets up 12% YoY to €5.5bn.
Loan portfolio cost of risk at 0.15% (down from 0.31% YoY).
Outlook and guidance
Loan portfolio growth expected to reach 13-14% for the year; deposit growth to match loan expansion.
Net interest margin forecasted at 2.8%-2.7% for upcoming quarters; deposit rates expected to slightly decrease by 2026.
Long-term RoE target set above 17%, with a minimum 50% dividend payout policy.
Continued investment in core banking system and digital transformation; rebranding costs to normalize after Q4.
Scenario analyses and stress tests indicate resilience to economic shocks.
What specific initiatives support Artea's 2029 market leadership goal?
Detail cost-optimization program impact on C/I ratio.
Clarify LCR methodology review impact on liquidity.
Quantify new client segments from rebranding
Expected timeline for cost optimization impact?
Mitigation strategy for pension fund withdrawals?
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Next Artea bankas earnings date
Q4 202527 Feb, 2026
Next Artea bankas earnings date
Q4 202527 Feb, 2026
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