Pareto Bank ASA (OSL:PARB)

Pareto Bank ASA Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,956	2,038	2,010	1,754	1,174	962.35
Interest Income on Investments	237.52	239.79	235.63	170.35	69.44	27.2
Total Interest Income	2,193	2,277	2,246	1,925	1,243	989.55
Interest Paid on Deposits	1,009	1,063	1,019	812.17	314.52	151.21
Net Interest Income	1,185	1,214	1,227	1,113	928.64	838.34
Net Interest Income Growth (YoY)	-5.76%	-1.04%	10.30%	19.81%	10.77%	12.24%
Gain (Loss) on Sale of Investments	15.68	15.68	11.65	11.51	-33.73	-29.36
Gain (Loss) on Sale of Equity Investments	0.27	0.27	0.29	-0.92	1.66	1.69
Other Non-Interest Income	73.02	64.99	14	-3.87	68.73	39.99
Total Non-Interest Income	88.97	80.94	25.93	6.72	36.67	12.32
Non-Interest Income Growth (YoY)	236.86%	212.16%	285.79%	-81.67%	197.68%	62.25%
Revenues Before Loan Losses	1,273	1,295	1,253	1,119	965.31	850.66
Provision for Loan Losses	293.57	174.82	127.46	121.67	44.99	20.14
Revenue	979.9	1,121	1,126	997.69	920.31	830.52
Revenue Growth (YoY)	-13.59%	-0.45%	12.83%	8.41%	10.81%	17.03%
Salaries and Employee Benefits	124.88	130.49	125.25	128.71	120.16	91.02
Occupancy Expenses	20.13	20.15	18.61	16.77	15.92	14.4
Selling, General & Administrative	48.43	47.22	43.02	39.16	33.86	29.77
Other Non-Interest Expense	38.88	39.72	38.47	18.85	16.58	27.17
Total Non-Interest Expense	232.32	237.58	225.36	203.49	186.52	162.37
EBT Excluding Unusual Items	747.58	883.04	900.38	794.2	733.8	668.16
Pretax Income	747.58	883.04	900.38	794.2	733.8	668.16
Income Tax Expense	173.73	207.43	213.11	188.74	178.3	163.62
Net Income	573.85	675.61	687.27	605.46	555.5	504.54
Preferred Dividends & Other Adjustments	51.67	51.67	50.45	38.95	16.86	-
Net Income to Common	522.18	623.94	636.82	566.52	538.64	504.54
Net Income Growth	-16.79%	-1.70%	13.51%	9.00%	10.10%	17.78%
Basic Shares Outstanding	79	77	77	77	70	71
Diluted Shares Outstanding	79	77	77	77	70	71
Shares Change (YoY)	0.97%	-	-	9.91%	-1.83%	-0.49%
EPS (Basic)	6.61	8.13	8.29	7.38	7.71	7.09
EPS (Diluted)	6.61	8.13	8.29	7.38	7.71	7.09
EPS Growth	-20.41%	-2.02%	12.41%	-4.30%	8.74%	18.36%
Dividend Per Share	8.000	8.000	4.150	3.900	3.860	3.500
Dividend Growth	92.77%	92.77%	6.41%	1.04%	10.29%	16.67%
Effective Tax Rate	23.24%	23.49%	23.67%	23.76%	24.30%	24.49%

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