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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	687.27	605.46	555.5	504.54	428.37
Depreciation & Amortization	9.81	8.9	8.17	7.77	3.03
Other Amortization	8.81	7.88	7.75	6.71	6.4
Other Operating Activities	1,461	-289.95	-1,660	-1,488	563.37
Operating Cash Flow	2,167	332.28	-1,089	-968.9	1,001
Operating Cash Flow Growth	552.04%	-	-	-	-
Capital Expenditures	-3.87	-1.21	-0.87	-4.77	-3.08
Investment in Securities	5.04	1.41	3.37	8.13	3.95
Purchase / Sale of Intangibles	-7.26	-17.6	-7.94	-8.35	-4.33
Other Investing Activities	-	-0	-	-	-
Investing Cash Flow	-6.09	-17.4	-5.45	-5	-3.46
Long-Term Debt Issued	15.7	837.18	1,701	1,200	0.13
Long-Term Debt Repaid	-429.13	-14.73	-447.01	-108.53	-681.05
Net Debt Issued (Repaid)	-413.42	822.45	1,254	1,092	-680.92
Issuance of Common Stock	100	487.39	100	-	-
Common Dividends Paid	-348.59	-308.62	-260.88	-218.46	-149.82
Other Financing Activities	-509.05	-412.7	-159.34	-73.16	-10.03
Financing Cash Flow	-1,171	588.51	933.87	800.03	-840.76
Net Cash Flow	989.44	903.39	-160.14	-173.87	156.95
Free Cash Flow	2,163	331.07	-1,089	-973.68	998.09
Free Cash Flow Growth	553.25%	-	-	-	-
Free Cash Flow Margin	192.12%	33.18%	-118.38%	-117.24%	140.64%
Free Cash Flow Per Share	28.15	4.31	-15.59	-13.68	13.96
Cash Interest Paid	1,008	764.43	272.73	173.22	230.89
Cash Income Tax Paid	172.8	165.47	179.03	125.97	107.95

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.