PARETO BANK ASA

0250 OSLO

Finances

Return on Equity

13,26 %

Current Ratio

1,27

Debt-to-Equity Ratio

0,15

Key figures (NOK)	2022	2021	2020	2019
Revenue	963 644 000	848 964 000	748 891 000	692 304 000
Net Income	559 564 000	504 537 000	428 367 000	397 629 000
Total Assets	22 295 700 000	19 984 901 000	19 477 759 000	17 510 535 000
Total Equity	4 220 420 000	3 821 823 000	3 535 831 000	3 057 463 000

Income (NOK)	2022	2021	2020	2019
Revenue	963 644 000	848 964 000	748 891 000	692 304 000
Expenditure	186 517 000	162 365 000	144 521 000	138 050 000
Operating Profit	778 788 000	688 291 000	609 994 000	554 254 000
Financial Income	0	0	0	0
Financial Costs	44 992 000	20 135 000	44 849 000	29 719 000
Financial Balance	−44 992 000	−20 135 000	−44 849 000	−29 719 000
Earnings Before Tax	733 796 000	668 156 000	565 145 000	524 535 000
Tax	−178 301 000	−163 619 000	−136 778 000	126 906 000
Net Income	559 564 000	504 537 000	428 367 000	397 629 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	223 155 000	193 964 000	151 594 000	130 854 000
Total Current Assets	21 999 856 000	19 718 977 000	18 755 281 000	17 379 681 000
Total Assets	22 295 700 000	19 984 901 000	19 477 759 000	17 510 535 000
Total Retained Equity	2 390 987 000	2 092 390 000	1 806 398 000	1 528 030 000
Total Equity	4 220 420 000	3 821 823 000	3 535 831 000	3 057 463 000
Total Long-Term Debt	623 410 000	470 712 000	462 099 000	469 820 000
Total Current Debt	17 313 824 000	15 552 825 000	15 434 629 000	13 983 252 000
Total Equity and Debt	22 295 700 000	19 984 901 000	19 477 760 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	963 644 000	848 964 000	748 891 000	692 304 000
Cost of Goods Sold	0	0	0	0
Salary Costs	120 161 000	102 315 000	93 091 000	85 617 000
Depreciation	15 917 000	14 403 000	9 428 000	11 446 000
Impairment	0	0	0	0
Expenditure	186 517 000	162 365 000	144 521 000	138 050 000
Operating Profit	778 788 000	688 291 000	609 994 000	554 254 000
Financial Income	0	0	0	0
Financial Costs	44 992 000	20 135 000	44 849 000	29 719 000
Financial Balance	−44 992 000	−20 135 000	−44 849 000	−29 719 000
Dividends	0	0	0	0
Net Income	559 564 000	504 537 000	428 367 000	397 629 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	32 933 000	32 742 000	31 095 000	33 165 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	3 657 000
Total Tangible Assets	55 972 000	58 062 000	3 772 000	3 657 000
Total Fiancial Fixed Assets	134 250 000	103 160 000	116 727 000	94 032 000
Total Fixed Assets	223 155 000	193 964 000	151 594 000	130 854 000
Stock	0	0	0	0
Total Investments	3 979 747 000	3 078 426 000	3 583 818 000	3 294 334 000
Cash, Bank	0	0	0	0
Total Current Assets	21 999 856 000	19 718 977 000	18 755 281 000	17 379 681 000
Total Assets	22 295 700 000	19 984 901 000	19 477 759 000	17 510 535 000
Total Equity	4 220 420 000	3 821 823 000	3 535 831 000	3 057 463 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	623 410 000	470 712 000	462 099 000	469 820 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	17 441 376 000	15 678 248 000	14 453 536 000	13 944 216 000
Total Current Debt	17 313 824 000	15 552 825 000	15 434 629 000	13 983 252 000
Total Equity and Debt	22 295 700 000	19 984 901 000	19 477 760 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	13,26 %	13,2 %	12,12 %	13,01 %
Debt-to-Equity Ratio	0,15	0,12	0,13	0,15
Operating Profit Margin	80,82 %	81,07 %	81,45 %	80,06 %
Current Ratio	1,27	1,27	1,22	1,24
Quick Ratio	1,27	1,27	1,22	1,24
Equity Ratio	0,19	0,19	0,18	0,17
Gross Profit Margin	100 %	100 %	100 %	100 %