)

Pareto Bank (PARB) investor relations material
Pareto Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Profit after tax reached NOK 200.7m in Q2-25, up from NOK 178.2m in Q2-24, with ROE after tax at 15.1% versus 14.3% year-over-year.
Earnings per share rose to NOK 2.44 from NOK 2.15 year-over-year.
Lending volume decreased by NOK 1,614m from the previous quarter, with net loans to customers at NOK 19,249m, down 2% year-over-year.
Cost/income ratio remained strong at 18.3% in Q2-25, reflecting continued operational efficiency.
Reporting under CRR3 and lower lending volumes strengthened the capital position.
Financial highlights
Net interest income for Q2-25 was NOK 319.0m, up from NOK 303.0m in Q2-24; total net income reached NOK 343.2m.
Operating profit before impairments was NOK 280.4m, with pre-tax profit at NOK 263.3m.
Operating expenses were NOK 62.9m, up from NOK 56.3m year-over-year.
Net gains on financial instruments at fair value were NOK 5.3m in Q2-25.
Net commission income from banking services and guarantees was NOK 3.2m, slightly down from NOK 3.4m.
Outlook and guidance
Lending volumes are expected to remain subdued or slightly decrease in Q3-25 due to significant redemptions and lower credit demand.
Residential property financing faces a weak market with record low starts and slow pre-sales; policy rate cuts may have limited short-term effect.
Credit losses and impairments may remain elevated in coming quarters due to market conditions.
The long-term profitability target of 15% ROE and dividend policy of 50% or more annual payout remain unchanged.
The bank sees stable credit exposure but prioritizes profitability and quality over growth.
Next Pareto Bank earnings date

Next Pareto Bank earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage