INSTABANK ASA

0277 OSLO

Finances

Share Ownership

Return on Equity

10,46 %

Current Ratio

1,18

Debt-to-Equity Ratio

0,15

Key figures (NOK)	2022	2021	2020	2019
Revenue	357 583 000	319 992 000	263 127 000	242 164 000
Net Income	82 239 000	83 452 000	42 679 000	176 361 000
Total Assets	5 799 235 000	4 831 652 000	3 996 129 000	3 540 819 000
Total Equity	786 275 000	666 107 000	583 678 000	567 626 000

Income (NOK)	2022	2021	2020	2019
Revenue	357 583 000	319 992 000	263 127 000	242 164 000
Expenditure	154 023 000	126 932 000	113 206 000	98 323 000
Operating Profit	203 560 000	193 060 000	149 921 000	126 403 000
Financial Income	0	0	0	0
Financial Costs	100 230 000	80 882 000	92 911 000	0
Financial Balance	−100 230 000	−80 882 000	−92 911 000	0
Earnings Before Tax	103 330 000	112 178 000	57 010 000	190 096 000
Tax	−21 091 000	−28 726 000	−14 331 000	−13 735 000
Net Income	82 239 000	83 452 000	42 679 000	176 361 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	66 142 000	38 543 000	51 692 000	661 081 000
Total Current Assets	5 733 093 000	4 793 109 000	3 944 437 000	2 879 738 000
Total Assets	5 799 235 000	4 831 652 000	3 996 129 000	3 540 819 000
Total Retained Equity	194 541 000	114 373 000	31 944 000	52 184 000
Total Equity	786 275 000	666 107 000	583 678 000	567 626 000
Total Long-Term Debt	121 799 000	88 295 000	59 570 000	61 177 000
Total Current Debt	4 852 281 000	4 047 128 000	3 303 998 000	2 848 737 000
Total Equity and Debt	5 799 233 000	4 831 653 000	3 996 129 000	3 540 818 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	357 583 000	319 992 000	263 127 000	242 164 000
Cost of Goods Sold	0	0	0	0
Salary Costs	55 498 000	50 324 000	41 666 000	39 355 000
Depreciation	13 045 000	14 102 000	12 742 000	−8 719 000
Impairment	0	0	0	0
Expenditure	154 023 000	126 932 000	113 206 000	98 323 000
Operating Profit	203 560 000	193 060 000	149 921 000	126 403 000
Financial Income	0	0	0	0
Financial Costs	100 230 000	80 882 000	92 911 000	0
Financial Balance	−100 230 000	−80 882 000	−92 911 000	0
Dividends	0	0	0	0
Net Income	82 239 000	83 452 000	42 679 000	176 361 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	21 197 000	25 098 000	29 478 000	29 804 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	3 645 000	5 909 000	8 413 000	563 000
Total Fiancial Fixed Assets	41 300 000	7 536 000	13 801 000	630 714 000
Total Fixed Assets	66 142 000	38 543 000	51 692 000	661 081 000
Stock	0	0	0	0
Total Investments	867 809 000	679 759 000	889 664 000	0
Cash, Bank	0	0	0	0
Total Current Assets	5 733 093 000	4 793 109 000	3 944 437 000	2 879 738 000
Total Assets	5 799 235 000	4 831 652 000	3 996 129 000	3 540 819 000
Total Equity	786 275 000	666 107 000	583 678 000	567 626 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	121 799 000	88 295 000	59 570 000	61 177 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	4 891 159 000	4 077 251 000	3 352 881 000	2 912 015 000
Total Current Debt	4 852 281 000	4 047 128 000	3 303 998 000	2 848 737 000
Total Equity and Debt	5 799 233 000	4 831 653 000	3 996 129 000	3 540 818 000

Financial indicators	2022	2021	2020	2019
Return on Equity	10,46 %	12,53 %	7,31 %	31,07 %
Debt-to-Equity Ratio	0,15	0,13	0,1	0,11
Operating Profit Margin	56,93 %	60,33 %	56,98 %	52,2 %
Current Ratio	1,18	1,18	1,19	1,01
Quick Ratio	1,18	1,18	1,19	1,01
Equity Ratio	0,14	0,14	0,15	0,16
Gross Profit Margin	100 %	100 %	100 %	100 %