Pareto Bank
- Company typePublic
- Founded2016
- HeadquartersOslo, Norway
- Headcount51–100
- GTM typeB2B
- OfferingServices
Pareto Bank firmographics
Firmographics- Name
- Pareto Bank
- Legal name
- Pareto Bank ASA
- Website
- https://paretobank.no
- Company type
- Public
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Pareto Bank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Pareto Bank is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices2 records
Markets served
Pareto Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income from Corporate Loans: Pareto Bank generates revenue primarily through interest income on corporate financing including business loans, real estate financing, and shipping/offshore financing. The bank offers first priority loan financing with typical LTV ratios of 50-60% for project financing.
- Interest Income from Deposits: The bank pays interest on customer deposits (both business and private) and earns the spread between lending and deposit rates.
- Transaction and Service Fees: Fees for banking services including netbank usage, payment processing, account management, and integration services with accounting systems.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Plasseringskonto privat - Savings account with competitive floating rate |
| Subscription | Monthly | Paretokonto privat - Current account for daily banking |
| Subscription | Multi-year contract | Fixed rate deposits (fastrenteinnskudd) - Private |
| Subscription | Monthly | Paretokonto bedrift - Business current account |
| Subscription | Monthly | Plasseringskonto bedrift - Business savings account |
| Subscription | Multi-year contract | Fixed rate deposits (fastrenteinnskudd) - Business |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Pareto Bank product offering
Product offeringCore offering
Pareto Bank is a Norwegian commercial bank that provides corporate financing (business loans, real estate financing, and shipping/offshore financing) primarily to mid-sized Norwegian companies with revenues between NOK 10 million and NOK 500 million. The bank also accepts deposits from business and private customers and offers digital banking platforms (Nettbank, Nettbedrift) with direct integrations to accounting systems.
Product overview
Pareto Bank is a Norwegian commercial bank specializing in three core business areas: real estate financing (Eiendomsfinansiering), business financing (Bedriftsfinansiering), and shipping financing (Skipsfinansiering). The bank offers a comprehensive suite of deposit products for both business (Bedriftsinnskudd) and private customers (Privatinnskudd), supported by digital banking platforms including Nettbedrift (online business banking with accounting integrations) and Nettbank (personal online banking). The bank positions itself as a relationship-focused institution serving medium-sized Norwegian enterprises with revenues from MNOK 10 to MNOK 500.
Differentiator
Problem solved
Functional benefit
Products and services
- Bedriftsfinansiering (Business Financing)
Quantifiable outcome
- 2024 was the bank's best year ever with after-tax profit of NOK 687.3 million
- +3 more outcomes
Companies that use Pareto Bank
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Pareto Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Pareto Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- VismacoreDirect integration with Visma.net Autopay providing a user-friendly and seamless experience for customers using Visma accounting systems.
- TripletexcoreIntegration between Pareto Bank and Tripletex enables efficient accounting processes with seamless data flow.
- XledgercoreDirect integration with Xledger accounting system, enabling simplified banking operations for Xledger users.
- PowerOffice GocoreSeamless integration between Pareto Bank and PowerOffice Go, allowing customers to manage banking without separate systems.
Scale indicators6 records
Recent moves7 records
Expansion highlights4 records
Pareto Bank competitors and assessment
Company assessmentBroad incumbents
- DNB Bank ASA: Norway's largest financial services group, offering commercial banking, real estate, and shipping finance. While vastly larger, DNB overlaps directly with Pareto's three vertical lending focus areas across the same Norwegian mid-market.
- KLP Banken: Larger Norwegian bank within the KLP Group, offering commercial and retail banking across Norway. Overlaps with Pareto on deposit and corporate banking offerings but is more diversified across municipal/public-sector lending.
Direct peers
- Handelsbanken: Swedish bank renowned for its decentralized, relationship-led model serving corporate and SME customers across the Nordics, with deep real estate and corporate lending expertise — highly analogous to Pareto Bank's specialized, high-touch approach.
- SpareBank 1 SR-Bank ASA: Norwegian regional savings bank serving corporate, real estate, and SME customers across central and western Norway. Overlaps significantly with Pareto's mid-market business financing and real estate segments while operating at larger regional scale.
- Sparebanken Vest: Norwegian regional savings bank offering corporate lending, real estate financing, and personal banking to West Norway businesses. Comparable mid-market business and property finance orientation, though with less shipping focus than Pareto.
- SpareBank 1 SMN: Norwegian regional savings bank headquartered in Trondheim serving SME, corporate, and real estate customers. Similar mid-market commercial banking focus with a regional delivery model.
- SpareBank 1 Østlandet: Norwegian savings bank concentrated in Eastern Norway (Østlandet) — explicitly Pareto's stated geographic focus — offering corporate and real estate lending to SMEs in overlapping geographies.
- Brage Finans: Norwegian specialized lender to small and medium-sized businesses across multiple industries. Comparable niche-segment SME lending thesis, though with less deposit-taking activity than Pareto.
- BN Bank ASA: Norwegian commercial bank focused on corporate lending and real estate financing for mid-sized companies. Closely comparable product set to Pareto's corporate and real estate verticals, though BN Bank does not have a shipping/ocean finance franchise.
Regional players
- OBOS Banken: Norwegian niche bank owned by the OBOS housing cooperative, focused on residential real estate financing and private banking. Adjacent real estate/retail-deposit play, though without Pareto's mid-market corporate or shipping books.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Pareto Bank social profiles
Digital presencePareto Bank compliance and trust
Trust signalCompliance1 record
Pareto Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pareto Bank leadership team
Management profileNumber of profiles
Profiles10 records
Pareto Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pareto Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pareto Bank
What does Pareto Bank do?
Pareto Bank is a Norwegian commercial bank that provides corporate financing (business loans, real estate financing, and shipping/offshore financing) primarily to mid-sized Norwegian companies with revenues between NOK 10 million and NOK 500 million. The bank also accepts deposits from business and private customers and offers digital banking platforms (Nettbank, Nettbedrift) with direct integrations to accounting systems.
Is Pareto Bank a public or private company?
Pareto Bank is a public company. It is classified as public and is currently operating.
When was Pareto Bank founded?
Pareto Bank was founded in 2016. It employs 51 to 100 people.
Where is Pareto Bank based?
Pareto Bank is headquartered in Oslo, Norway, in the Europe region.
How does Pareto Bank make money?
Three revenue lines are on record. Interest Income from Corporate Loans are the primary driver. The others are interest Income from Deposits and transaction and Service Fees.
Who are Pareto Bank's main competitors?
Broad incumbents on record are DNB Bank ASA and KLP Banken. Direct peers are Handelsbanken, SpareBank 1 SR-Bank ASA, Sparebanken Vest, SpareBank 1 SMN, SpareBank 1 Østlandet, Brage Finans and BN Bank ASA. OBOS Banken is listed as a regional player.
Does Pareto Bank have an API?
No public API is recorded for Pareto Bank.
What industry is Pareto Bank in?
Pareto Bank's product category is Commercial Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 522110 and its SIC code is 6022.