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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Pareto Bank
Pareto Bank (PARB) investor relations material
Pareto Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Q3 profit after tax was NOK 27.7m versus NOK 176.8m a year earlier; profit attributable to shareholders was NOK 14.5m versus NOK 163.7m, mainly reflecting higher credit losses.
Quarter-end net loans were NOK 17,934m, down 7.6% from Q2 and from NOK 18,983m in Q3-25; further contraction is expected in Q4, while Swedish exposures are expected to grow.
Long-term ROE ambition remains 15%, with an annual dividend policy of distributions of 50% or more.
Financial highlights
Q3 net interest income was NOK 285.2m versus NOK 304.4m; total net income was NOK 279.0m versus NOK 305.6m.
Operating expenses were NOK 50.7m versus NOK 59.2m; operating profit before impairments and losses was NOK 228.3m.
Q3 pre-tax profit was NOK 32.5m versus NOK 231.3m; EPS was NOK 0.19 versus NOK 2.13.
Impairments and losses were NOK 195.8m versus NOK 15.1m; recognized losses were NOK 134.3m versus NOK 8.5m.
For 9M, net interest income was NOK 872.6m versus NOK 969.3m; profit after tax was NOK 555.9m versus NOK 675.6m, while profit attributable to shareholders was NOK 103.1m versus NOK 516.9m.
Outlook and guidance
Q4 total loan volumes are expected to decline further, led by Norwegian property financing; business financing is expected flat, shipping flat to lower, and Sweden to grow.
Commercial property exposure is expected flat to slightly lower; residential property financing volume is expected to keep declining.
Credit quality remains uncertain in parts of the property-development portfolio; resolving projects and mitigating losses are priorities amid weak sales.
Swedish activity and deal flow are expected to remain steady; approved commitments and a solid pipeline support growth through year-end and into 2027.
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Latest events from Pareto Bank
- Q2 2026 profit plunged on record loan losses, but capital and liquidity ratios remain robust.PARB
Q2 2026 - Profit and ROE fell on record loan losses, but capital and liquidity remain strong.PARBQ1 2026
- Profit after tax fell 2% to NOK 676m in 2025, with high impairments and robust capital ratios.PARBQ4 2025
- Q3-25 delivered higher profit and strong capital, but property risks keep impairments a concern.PARBQ3 2025
- Q2-25 profit rose 13% with strong capital, but lending and credit quality weakened.PARBQ2 2025
- Net income rose 12% year-over-year, with strong capital and operational efficiency.PARBQ3 2024
- Q2-24 profit after tax up 15%, with robust capital and strong loan growth.PARBQ2 2024
- Q1-25 profit rose to NOK 178.5m, with strong lending and capital, but higher impairments.PARBQ1 2025
- Record profit and lending growth in 2024, with Swedish expansion and strong efficiency.PARBQ4 2024
Next Pareto Bank earnings date
Q4 202628 Jan, 2027
Pareto Bank
Next Pareto Bank earnings date
Q4 202628 Jan, 2027
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Frequently asked questions
Pareto Bank ASA is a Norwegian bank, that is branded as Pareto. It was established on April 22, 2007. Located in Oslo, Norway, the bank relies mostly on business customers. Its operations are focused on providing corporate banking products and services and private investments to savers. Pareto Bank offers deposits at fixed interest rates as well as saving deposit accounts and certificates in international capital markets. The greatest number of customers proceeds from Østlandet (Oslo region) while a strong commitment to marketing is established in other regions such as Sørlandet (Southland), Trøndelag, Nordland and Vestlandet (Western Norway).