Pareto Bank ASA Cash Flow 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
Net Income	675.61	687.27	605.46	555.5	504.54
Depreciation & Amortization	20.15	9.81	8.9	8.17	7.77
Other Amortization	-	8.81	7.88	7.75	6.71
Other Operating Activities	-280.91	1,461	-289.95	-1,660	-1,488
Operating Cash Flow	414.85	2,167	332.28	-1,089	-968.9
Operating Cash Flow Growth	-80.85%	552.04%	-	-	-
Capital Expenditures	-0.61	-3.87	-1.21	-0.87	-4.77
Investment in Securities	3.33	5.04	1.41	3.37	8.13
Purchase / Sale of Intangibles	-8.49	-7.26	-17.6	-7.94	-8.35
Other Investing Activities	-	-	-0	-	-
Investing Cash Flow	-5.76	-6.09	-17.4	-5.45	-5
Long-Term Debt Issued	166.98	15.7	837.18	1,701	1,200
Long-Term Debt Repaid	-774.04	-429.13	-14.73	-447.01	-108.53
Net Debt Issued (Repaid)	-607.06	-413.42	822.45	1,254	1,092
Issuance of Common Stock	-	100	487.39	100	-
Common Dividends Paid	-370.64	-348.59	-308.62	-260.88	-218.46
Other Financing Activities	-482.19	-509.05	-412.7	-159.34	-73.16
Financing Cash Flow	-1,460	-1,171	588.51	933.87	800.03
Net Cash Flow	-1,051	989.44	903.39	-160.14	-173.87
Free Cash Flow	414.24	2,163	331.07	-1,089	-973.68
Free Cash Flow Growth	-80.85%	553.25%	-	-	-
Free Cash Flow Margin	36.96%	192.12%	33.18%	-118.38%	-117.24%
Free Cash Flow Per Share	5.40	28.15	4.31	-15.59	-13.68
Cash Interest Paid	1,041	1,008	764.43	272.73	173.22
Cash Income Tax Paid	243.56	172.8	165.47	179.03	125.97

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