Pareto Bank ASA Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	1,870	2,038	2,010	1,754	1,174	962.35
Interest Income on Investments	222.14	239.79	235.63	170.35	69.44	27.2
Total Interest Income	2,092	2,277	2,246	1,925	1,243	989.55
Interest Paid on Deposits	955.36	1,063	1,019	812.17	314.52	151.21
Net Interest Income	1,137	1,214	1,227	1,113	928.64	838.34
Net Interest Income Growth	-11.82%	-1.04%	10.30%	19.81%	10.77%	12.24%
Gain (Loss) on Sale of Investments	6.96	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	84.82	64.99	14	-3.87	68.73	39.99
Total Non-Interest Income	92.05	80.94	25.93	6.72	36.67	12.32
Non-Interest Income Growth	325.34%	212.16%	285.79%	-81.67%	197.68%	62.25%
Revenues Before Loan Losses	1,229	1,295	1,253	1,119	965.31	850.66
Provision for Loan Losses	477.45	174.82	127.46	121.67	44.99	20.14
Revenue	751.65	1,121	1,126	997.69	920.31	830.52
Revenue Growth	-35.79%	-0.45%	12.83%	8.41%	10.81%	17.03%
Salaries and Employee Benefits	116.06	130.49	125.25	128.71	120.16	91.02
Occupancy Expenses	19.92	20.15	18.61	16.77	15.92	14.4
Selling, General & Administrative	48.18	47.22	43.02	39.16	33.86	29.77
Other Non-Interest Expense	38.23	39.72	38.47	18.85	16.58	27.17
Total Non-Interest Expense	222.39	237.58	225.36	203.49	186.52	162.37
EBT Excluding Unusual Items	529.26	883.04	900.38	794.2	733.8	668.16
Pretax Income	529.26	883.04	900.38	794.2	733.8	668.16
Income Tax Expense	119.23	207.43	213.11	188.74	178.3	163.62
Net Income	410.02	675.61	687.27	605.46	555.5	504.54
Preferred Dividends & Other Adjustments	50.67	51.67	50.45	38.95	16.86	-
Net Income to Common	359.35	623.94	636.82	566.52	538.64	504.54
Net Income Growth	-45.50%	-2.02%	12.41%	5.18%	6.76%	17.78%
Basic Shares Outstanding	77	77	77	77	70	71
Diluted Shares Outstanding	77	77	77	77	70	71
Shares Change	0.14%	-	-	9.91%	-1.83%	-0.49%
EPS (Basic)	4.67	8.13	8.29	7.38	7.71	7.09
EPS (Diluted)	4.67	8.13	8.29	7.38	7.71	7.09
EPS Growth	-45.58%	-2.02%	12.41%	-4.30%	8.74%	18.36%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
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	22.53%	23.49%	23.67%	23.76%	24.30%	24.49%