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
Other Adjustments	-243.56	-172.8	-165.47	-179.03	-125.97
Changes in Trading Assets	27.98	84.53	-72.5	-12.59	21.48
Changes in Accrued Interest and Accounts Receivable	2,247	2,256	1,834	1,227	1,005
Changes in Accounts Payable	-560.41	-450.89	-313.6	-98.29	-92.23
Changes in Other Operating Activities	-49.55	-1,293	448.57	-1,133	-2,282
Operating Cash Flow	414.85	2,167	332.28	-1,089	-968.9
Operating Cash Flow Growth	-80.85%	552.04%	-	-	-
Net Change in Securities and Investments	-	-	-1,397	-889.82	513.29
Capital Expenditures	-0.61	-3.87	-1.21	-0.87	-4.77
Purchases of Intangible Assets	-8.49	-7.26	-17.6	-7.94	-8.35
Investing Cash Flow	-5.76	-6.09	-17.4	-5.45	-5
Long-Term Debt Issued	166.98	115.7	987.18	1,361	1,098
Long-Term Debt Repaid	-774.04	-429.13	-14.73	-6.61	-6.43
Net Long-Term Debt Issued (Repaid)	-607.06	-313.42	972.45	1,354	1,092
Issuance of Common Stock	-	-	337.39	0	-
Net Common Stock Issued (Repurchased)	-	-	337.39	0	-
Common Dividends Paid	-318.65	-299.45	-269.63	-244.48	-209.56
Other Financing Activities	-534.19	-558.19	-451.7	-175.74	-82.06
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%	-	-	-
FCF Margin	36.97%	176.22%	33.18%	-118.38%	-117.24%
Free Cash Flow Per Share	5.40	28.17	4.31	-15.60	-13.94