Pareto Bank ASA (FRA:8PB)

Pareto Bank ASA Income Statement

Financials in millions NOK. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	2,010	1,754	1,174	962.35	928.27
Interest Income on Investments	-	235.63	170.35	69.44	27.2	44.75
Total Interest Income	-	2,246	1,925	1,243	989.55	973.02
Interest Paid on Deposits	-	1,019	812.17	314.52	151.21	226.09
Net Interest Income	1,233	1,227	1,113	928.64	838.34	746.92
Net Interest Income Growth (YoY)	1.63%	10.30%	19.81%	10.77%	12.24%	9.76%
Gain (Loss) on Sale of Investments	11.65	11.65	11.51	-33.73	-29.36	31.62
Gain (Loss) on Sale of Equity Investments	0.29	0.29	-0.92	1.66	1.69	5.62
Other Non-Interest Income	56.6	14	-3.87	68.73	39.99	-29.65
Total Non-Interest Income	68.53	25.93	6.72	36.67	12.32	7.59
Non-Interest Income Growth (YoY)	135.88%	285.79%	-81.67%	197.68%	62.25%	-35.77%
Revenues Before Loan Losses	1,302	1,253	1,119	965.31	850.66	754.52
Provision for Loan Losses	124.56	127.46	121.67	44.99	20.14	44.85
Revenue	1,177	1,126	997.69	920.31	830.52	709.67
Revenue Growth (YoY)	4.35%	12.83%	8.41%	10.81%	17.03%	7.11%
Salaries and Employee Benefits	142.27	142.27	128.71	120.16	91.02	82.95
Occupancy Expenses	18.61	18.61	16.77	15.92	14.4	9.43
Selling, General & Administrative	43.02	43.02	39.16	33.86	29.77	26.2
Other Non-Interest Expense	35.45	21.45	18.85	16.58	27.17	25.95
Total Non-Interest Expense	239.36	225.36	203.49	186.52	162.37	144.52
EBT Excluding Unusual Items	937.58	900.38	794.2	733.8	668.16	565.15
Pretax Income	937.58	900.38	794.2	733.8	668.16	565.15
Income Tax Expense	221.91	213.11	188.74	178.3	163.62	136.78
Net Income	715.67	687.27	605.46	555.5	504.54	428.37
Preferred Dividends & Other Adjustments	52.45	50.45	38.95	16.86	-	-
Net Income to Common	663.22	636.82	566.52	538.64	504.54	428.37
Net Income Growth	3.35%	13.51%	9.00%	10.10%	17.78%	7.73%
Basic Shares Outstanding	77	77	77	70	71	72
Diluted Shares Outstanding	77	77	77	70	71	72
Shares Change (YoY)	3.27%	0.07%	9.88%	-1.83%	-0.49%	0.18%
EPS (Basic)	8.63	8.29	7.38	7.71	7.09	5.99
EPS (Diluted)	8.63	8.29	7.38	7.71	7.09	5.99
EPS Growth	1.96%	12.33%	-4.28%	8.74%	18.36%	7.54%
Dividend Per Share	-	4.150	3.900	3.860	3.500	3.000
Dividend Growth	-	6.41%	1.04%	10.29%	16.67%	50.00%
Effective Tax Rate	23.67%	23.67%	23.76%	24.30%	24.49%	24.20%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.