Pareto Bank ASA (PARB) - Net Assets

Latest as of December 2025: Nkr5.74 Billion NOK ≈ $604.10 Million USD

Based on the latest financial reports, Pareto Bank ASA (PARB) has net assets worth Nkr5.74 Billion NOK (≈ $604.10 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Nkr25.34 Billion ≈ $2.67 Billion USD) and total liabilities (Nkr19.60 Billion ≈ $2.06 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Read Pareto Bank ASA debt and liabilities for a breakdown of total debt and financial obligations.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Nkr5.74 Billion
% of Total Assets	22.66%
Annual Growth Rate	12.09%
5-Year Change	50.21%
10-Year Change	189.19%
Growth Volatility	11.75

Pareto Bank ASA - Net Assets Trend (2007–2025)

This chart illustrates how Pareto Bank ASA's net assets have evolved over time, based on quarterly financial data. Also explore PARB total assets for the complete picture of this company's asset base.

Annual Net Assets for Pareto Bank ASA (2007–2025)

The table below shows the annual net assets of Pareto Bank ASA from 2007 to 2025. For live valuation and market cap data, see how much is Pareto Bank ASA worth.

Year	Net Assets	Change
2025-12-31	Nkr5.74 Billion ≈ $604.10 Million	+5.59%
2024-12-31	Nkr5.44 Billion ≈ $572.09 Million	+8.63%
2023-12-31	Nkr5.00 Billion ≈ $526.66 Million	+18.59%
2022-12-31	Nkr4.22 Billion ≈ $444.11 Million	+10.43%
2021-12-31	Nkr3.82 Billion ≈ $402.17 Million	+8.09%
2020-12-31	Nkr3.54 Billion ≈ $372.07 Million	+8.55%
2019-12-31	Nkr3.26 Billion ≈ $342.78 Million	+29.89%
2018-12-31	Nkr2.51 Billion ≈ $263.89 Million	+17.96%
2017-12-31	Nkr2.13 Billion ≈ $223.71 Million	+7.09%
2016-12-31	Nkr1.99 Billion ≈ $208.90 Million	+47.01%
2015-12-31	Nkr1.35 Billion ≈ $142.10 Million	+11.70%
2014-12-31	Nkr1.21 Billion ≈ $127.22 Million	+17.68%
2013-12-31	Nkr1.03 Billion ≈ $108.11 Million	+26.56%
2012-12-31	Nkr811.80 Million ≈ $85.43 Million	+5.47%
2011-12-31	Nkr769.70 Million ≈ $80.99 Million	+2.96%
2010-12-31	Nkr747.55 Million ≈ $78.66 Million	+0.17%
2009-12-31	Nkr746.27 Million ≈ $78.53 Million	+0.29%
2008-12-31	Nkr744.11 Million ≈ $78.30 Million	+1.17%
2007-12-31	Nkr735.47 Million ≈ $77.39 Million	--

Equity Component Analysis

This analysis shows how different components contribute to Pareto Bank ASA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have decreased by 0.0% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Common Stock	Nkr921.39 Million	16.05%
Other Components	Nkr4.82 Billion	83.95%
Total Equity	Nkr5.74 Billion	100.00%

Pareto Bank ASA Competitors by Market Cap

The table below lists competitors of Pareto Bank ASA ranked by their market capitalization.

Company	Market Cap
KOSES Co.Ltd KQ:089890	$541.33 Million
Ipek Dogal Enerji Kaynaklari Arastirma ve Uretim AS IS:IPEKE	$541.41 Million
Dream Unlimited Corp TO:DRM	$541.45 Million
Dexterra Group Inc TO:DXT	$541.63 Million
Weikeng Industrial Co Ltd TW:3033	$540.95 Million
Maravai Lifesciences Holdings Inc NASDAQ:MRVI	$540.93 Million
Integrated Service Technology TWO:3289	$540.81 Million
PIERER Mobility AG VI:PKTM	$540.74 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Pareto Bank ASA's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 5,436,632,000 to 5,740,797,000, a change of 304,165,000 (5.6%).
Net income of 675,609,000 contributed positively to equity growth.
Dividend payments of 318,647,000 reduced retained earnings.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	Nkr675.61 Million	+11.77%
Dividends Paid	Nkr318.65 Million	-5.55%
Other Changes	Nkr-52.80 Million	-0.92%
Total Change	Nkr-	5.59%

Book Value vs Market Value Analysis

This analysis compares Pareto Bank ASA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 0.89x
The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
The price-to-book ratio has decreased from 3.48x to 0.89x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2013-12-31	Nkr19.26	Nkr67.00	x
2014-12-31	Nkr22.67	Nkr67.00	x
2015-12-31	Nkr25.32	Nkr67.00	x
2016-12-31	Nkr32.69	Nkr67.00	x
2017-12-31	Nkr35.84	Nkr67.00	x
2018-12-31	Nkr41.99	Nkr67.00	x
2019-12-31	Nkr45.63	Nkr67.00	x
2020-12-31	Nkr49.44	Nkr67.00	x
2021-12-31	Nkr53.71	Nkr67.00	x
2022-12-31	Nkr60.42	Nkr67.00	x
2023-12-31	Nkr65.18	Nkr67.00	x
2024-12-31	Nkr70.96	Nkr67.00	x
2025-12-31	Nkr74.93	Nkr67.00	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Pareto Bank ASA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 11.77%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 52.16%
• Asset Turnover: 0.05x
• Equity Multiplier: 4.41x
Recent ROE (11.77%) is below the historical average (12.71%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2013	11.31%	47.03%	0.03x	8.65x	Nkr13.46 Million
2014	13.40%	52.60%	0.03x	9.38x	Nkr41.10 Million
2015	12.93%	48.96%	0.03x	8.25x	Nkr39.56 Million
2016	12.46%	54.31%	0.04x	6.52x	Nkr48.79 Million
2017	14.70%	58.32%	0.04x	6.16x	Nkr100.00 Million
2018	13.19%	59.19%	0.04x	6.22x	Nkr80.00 Million
2019	12.21%	57.60%	0.04x	5.38x	Nkr71.88 Million
2020	12.12%	57.20%	0.04x	5.51x	Nkr74.78 Million
2021	13.20%	59.43%	0.04x	5.23x	Nkr122.35 Million
2022	13.16%	57.65%	0.04x	5.28x	Nkr133.45 Million
2023	12.10%	54.05%	0.04x	5.16x	Nkr104.97 Million
2024	12.64%	54.85%	0.05x	5.01x	Nkr143.61 Million
2025	11.77%	52.16%	0.05x	4.41x	Nkr101.53 Million

Industry Comparison

This section compares Pareto Bank ASA's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $10,865,831,216
Average return on equity (ROE) among peers: 6.94%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Pareto Bank ASA (PARB)	Nkr5.74 Billion	11.31%	3.41x	$541.07 Million
Aasen Sparebank (AASB)	$685.42 Million	7.24%	7.19x	$24.75 Million
Aurskog Sparebank (AURG)	$330.39 Million	10.56%	15.15x	$123.04 Million
Bien Sparebank ASA (BIEN)	$652.26 Million	6.45%	6.60x	$93.84 Million
DnB ASA (DNB)	$101.40 Billion	8.47%	16.98x	$42.91 Billion
Grong Sparebank (GRONG)	$1.36 Billion	8.18%	7.05x	$83.18 Million
Helgeland Sparebank (HELG)	$1.49 Billion	8.61%	10.17x	$471.00 Million
Holand og Setskog Sparebank (HSPG)	$232.48 Million	7.59%	13.83x	$11.58 Million
Instabank ASA (INSTA)	$236.86 Million	-7.35%	1.22x	$200.27 Million
Jaeren Sparebank (JAREN)	$1.77 Billion	6.84%	6.94x	$181.14 Million
Kraft Bank Asa (KRAB)	$506.89 Million	12.83%	7.71x	$58.73 Million

About Pareto Bank ASA

OL:PARB Norway Banks - Regional

Market Cap

$541.07 Million

Nkr5.14 Billion NOK

Market Cap Rank

#12112 Global

#89 in Norway

Share Price

Nkr67.00

Change (1 day)

-10.43%

52-Week Range

Nkr67.00 - Nkr96.70

All Time High

Nkr96.70