Pareto Bank ASA Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	2,038	2,010	1,754	1,174	962.35
Interest Income on Investments	239.79	235.63	170.35	69.44	27.2
Total Interest Income	2,277	2,246	1,925	1,243	989.55
Interest Paid on Deposits	1,063	1,019	812.17	314.52	151.21
Net Interest Income	1,214	1,227	1,113	928.64	838.34
Net Interest Income Growth (YoY)	-1.04%	10.30%	19.81%	10.77%	12.24%
Gain (Loss) on Sale of Investments	15.68	11.65	11.51	-33.73	-29.36
Gain (Loss) on Sale of Equity Investments	0.27	0.29	-0.92	1.66	1.69
Other Non-Interest Income	64.99	14	-3.87	68.73	39.99
Total Non-Interest Income	80.94	25.93	6.72	36.67	12.32
Non-Interest Income Growth (YoY)	212.16%	285.79%	-81.67%	197.68%	62.25%
Revenues Before Loan Losses	1,295	1,253	1,119	965.31	850.66
Provision for Loan Losses	174.82	127.46	121.67	44.99	20.14
Revenue	1,121	1,126	997.69	920.31	830.52
Revenue Growth (YoY)	-0.45%	12.83%	8.41%	10.81%	17.03%
Salaries and Employee Benefits	148.01	142.27	128.71	120.16	91.02
Occupancy Expenses	20.15	18.61	16.77	15.92	14.4
Selling, General & Administrative	47.22	43.02	39.16	33.86	29.77
Other Non-Interest Expense	22.2	21.45	18.85	16.58	27.17
Total Non-Interest Expense	237.58	225.36	203.49	186.52	162.37
EBT Excluding Unusual Items	883.04	900.38	794.2	733.8	668.16
Pretax Income	883.04	900.38	794.2	733.8	668.16
Income Tax Expense	207.43	213.11	188.74	178.3	163.62
Net Income	675.61	687.27	605.46	555.5	504.54
Preferred Dividends & Other Adjustments	51.67	50.45	38.95	16.86	-
Net Income to Common	623.94	636.82	566.52	538.64	504.54
Net Income Growth	-1.70%	13.51%	9.00%	10.10%	17.78%
Basic Shares Outstanding	77	77	77	70	71
Diluted Shares Outstanding	77	77	77	70	71
Shares Change (YoY)	-0.09%	0.07%	9.88%	-1.83%	-0.49%
EPS (Basic)	8.13	8.29	7.38	7.71	7.09
EPS (Diluted)	8.13	8.29	7.38	7.71	7.09
EPS Growth	-1.93%	12.33%	-4.28%	8.74%	18.36%
Dividend Per Share	8.000	4.150	3.900	3.860	3.500
Dividend Growth	92.77%	6.41%	1.04%	10.29%	16.67%
Effective Tax Rate	23.49%	23.67%	23.76%	24.30%	24.49%

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