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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.Q2 2025 earnings summary18 Jul, 2025
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.
Why did individual loan write-downs increase?
Explain the shift in loan distribution by sector.
Assess the impact of CRR3 on capital position.
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Next Pareto Bank earnings date
Q3 202530 Oct, 2025
Next Pareto Bank earnings date
Q3 202530 Oct, 2025
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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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