3Q25 Bank Profitability Up on Lower Loan Provisions: RAM Ratings
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TL;DR
RAM Ratings reports improved bank profitability in 3Q25 driven by reduced loan loss provisions and higher non-interest income, despite narrower net interest margins. Loan growth accelerated, but margins may face pressure in 4Q25 from seasonal deposit competition.
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bank profitabilityloan loss provisionsnet interest marginsloan growthRAM Ratings
RAM Ratings reports a 3Q25 improvement in bank profitability due to lower loan loss provisions and stronger non-interest income, despite a contraction in net interest margins. Loan growth accelerated, led by mortgages and passenger vehicle financing, but margins are expected to be weighed down in 4Q25 due to seasonal deposit competition.
