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Pareto Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Profit after tax for 2025 was NOK 676m, down 2% year-over-year, marking the first annual profit decline in the bank's history, mainly due to negative lending growth and high impairments.
Return on equity after tax was 12.4% for 2025, compared to 13.6% last year, impacted by higher impairments and strong capitalisation.
Q4 2025 net profit after tax was NOK 119.7m, down from NOK 159.8m in Q4 2024; ROE was 8.3% in Q4 2025.
Cost/income ratio remained low at 18.3% for 2025, reflecting excellent operational efficiency despite investments.
Financial highlights
Net interest income for Q4 2025 was NOK 293.0m, down from NOK 311.4m in Q4 2024; net interest margin fell to 4.5%.
Lending at year-end was NOK 18,774m, down from NOK 20,713m a year earlier.
Customer deposits at year-end were NOK 11,674m, a decrease from NOK 13,249m.
Total impairments and losses in Q4 2025 were NOK 105.5m, up from NOK 55.3m in Q4 2024.
Earnings per share for 2025 was NOK 8.13, down from NOK 8.29 in 2024.
Outlook and guidance
Low lending growth expected in Q1 2026 for residential property; new-build market remains soft and sales slow.
Commercial property and corporate/ship financing volumes expected to be flat or decrease in Q1 2026.
Further exposure growth expected in Sweden in Q1 2026, supported by strong deal flow.
Long-term profitability target remains at 15% ROE; dividend policy of at least 50% payout is unchanged.
A dividend of NOK 8.00 per share is proposed for 2025, representing 98% payout.
Housing dev. Stage 3 exposure mitigation plan
Growth strategy beyond housing development
Dividend payout vs. ROE ambition and growth
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Next Pareto Bank earnings date
Q1 202630 Apr, 2026
Pareto Bank
Next Pareto Bank earnings date
Q1 202630 Apr, 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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