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Pareto Bank (PARB) investor relations material
Pareto Bank 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
Profit after tax for Q3-25 was NOK 176.8m, up from NOK 173.2m in Q3-24, with a return on equity of 13.0% compared to 13.6% last year.
Earnings per share for Q3-25 was NOK 2.13, up from NOK 2.08 in Q3-24.
Net interest income declined to NOK 287.2m from NOK 313.1m year-over-year, reflecting lower lending volumes and weaker margins.
Cost/income ratio increased to 19.4% from 18.3% year-over-year.
Lending at quarter-end was NOK 18,983m, down from NOK 19,419m, with average lending down 7% quarter-over-quarter due to lower credit demand.
Financial highlights
Total net income for Q3-25 was NOK 305.6m, down from NOK 315.1m in Q3-24.
Net other operating income rose to NOK 18.4m from NOK 2.1m in Q3-24.
Operating profit before impairments was NOK 246.4m, compared to NOK 257.4m last year.
Operating expenses were NOK 59.2m, up from NOK 57.7m.
Losses and impairments on loans and guarantees were NOK 15.1m, down from NOK 30.9m in Q3-24.
Outlook and guidance
Lending volume is expected to remain flat or slightly decrease in Q4, with continued uncertainty in the new housing market.
Policy rate cuts are expected to support activity, but limited effect is anticipated in Q4-25.
Loan losses and impairments may remain elevated in coming quarters due to ongoing uncertainty in property development.
Commercial property financing volume is expected to remain flat in Q4-25 amid low transaction activity.
Corporate and ship financing segments anticipate some exposure growth in Q4-25.
Outlook for housing development loan losses?
Mitigate large individual loss exposure?
Plans for the significant capital buffer?
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Next Pareto Bank earnings date
Q4 202529 Jan, 2026
Next Pareto Bank earnings date
Q4 202529 Jan, 2026
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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).
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