Pareto Bank ASA Ratios and Metrics

Market cap in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 29, 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
Market Capitalization	5,760	6,995	5,190	4,139	3,345	4,156
Market Cap Growth	2.52%	34.76%	25.42%	23.71%	-19.51%	51.40%
Last Close Price	75.00	82.77	58.23	43.46	35.95	42.32
PE Ratio	9.23	11.21	8.15	7.31	6.21	8.24
PS Ratio	5.14	6.24	4.61	4.15	3.64	5.00
PB Ratio	1.00	1.22	0.96	0.83	0.79	1.09
P/FCF Ratio	13.90	16.89	2.40	12.50	-	-
P/OCF Ratio	13.88	16.86	2.40	12.46	-	-
Debt / Equity Ratio	1.31	1.31	1.49	1.70	1.81	1.66
Debt / FCF Ratio	18.12	18.12	3.75	25.63	-	-
Net Debt / Equity Ratio	1.01	1.01	0.99	1.34	1.61	1.41
Net Debt / FCF Ratio	13.98	13.98	2.49	20.24	-6.25	-5.54
Return on Equity (ROE)	12.09%	12.09%	13.16%	13.13%	13.81%	13.71%
Return on Assets (ROA)	2.57%	2.57%	2.59%	2.51%	2.63%	2.56%
Earnings Yield	10.83%	9.66%	13.24%	14.63%	16.61%	12.14%
FCF Yield	7.19%	5.92%	41.67%	8.00%	-32.56%	-23.43%
Dividend Yield	10.67%	9.66%	7.13%	8.97%	10.74%	8.27%
Payout Ratio	54.86%	54.86%	50.72%	50.97%	46.96%	43.30%
Buyback Yield / Dilution	-	-	0.00%	-9.91%	1.83%	0.49%
Total Shareholder Return	10.64%	9.66%	7.13%	-0.93%	12.56%	8.76%

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