SPAREBANK 1 ØSTFOLD AKERSHUS

1526 MOSS

Finances

Return on Equity

11,7 %

Current Ratio

1,12

Debt-to-Equity Ratio

0,1

Key figures (NOK)	2022	2021	2020	2019
Revenue	837 448 000	721 253 000	713 043 000	766 235 000
Net Income	472 091 000	431 053 000	303 928 000	382 172 000
Total Assets	26 473 636 000	26 166 833 000	25 448 769 000	23 886 008 000
Total Equity	4 033 518 000	3 786 419 000	3 454 420 000	3 318 139 000

Income (NOK)	2022	2021	2020	2019
Revenue	837 448 000	721 253 000	713 043 000	766 235 000
Expenditure	333 348 000	306 909 000	306 498 000	303 068 000
Operating Profit	594 212 000	526 886 000	406 545 000	463 167 000
Financial Income	0	0	0	0
Financial Costs	9 383 000	−6 555 000	19 637 000	−3 213 000
Financial Balance	−9 383 000	6 555 000	−19 637 000	3 213 000
Earnings Before Tax	584 829 000	533 441 000	386 908 000	466 380 000
Tax	−114 218 000	−103 463 000	82 980 000	84 208 000
Net Income	472 091 000	431 053 000	303 928 000	382 172 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 950 518 000	1 840 549 000	1 625 636 000	1 594 468 000
Total Current Assets	24 430 423 000	24 231 919 000	23 823 133 000	22 291 540 000
Total Assets	26 473 636 000	26 166 833 000	25 448 769 000	23 886 008 000
Total Retained Equity	2 548 533 000	2 301 293 000	1 969 133 000	1 832 794 000
Total Equity	4 033 518 000	3 786 419 000	3 454 420 000	3 318 139 000
Total Long-Term Debt	409 358 000	414 880 000	315 077 000	329 780 000
Total Current Debt	21 860 398 000	21 888 284 000	21 679 272 000	20 238 089 000
Total Equity and Debt	26 473 636 000	26 166 834 000	2 907 471 000	3 118 576 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	837 448 000	721 253 000	713 043 000	766 235 000
Cost of Goods Sold	0	0	0	0
Salary Costs	169 996 000	161 278 000	160 020 000	156 335 000
Depreciation	23 670 000	21 779 000	22 046 000	23 924 000
Impairment	0	0	0	0
Expenditure	333 348 000	306 909 000	306 498 000	303 068 000
Operating Profit	594 212 000	526 886 000	406 545 000	463 167 000
Financial Income	0	0	0	0
Financial Costs	9 383 000	−6 555 000	19 637 000	−3 213 000
Financial Balance	−9 383 000	6 555 000	−19 637 000	3 213 000
Dividends	0	0	0	0
Net Income	472 091 000	431 053 000	303 928 000	382 172 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	1 265 000
Real Eastate	0	0	124 698 000	139 717 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	24 880 000	27 446 000
Total Tangible Assets	156 331 000	156 432 000	149 578 000	167 163 000
Total Fiancial Fixed Assets	1 794 187 000	1 684 117 000	1 476 058 000	1 426 040 000
Total Fixed Assets	1 950 518 000	1 840 549 000	1 625 636 000	1 594 468 000
Stock	0	0	0	0
Total Investments	1 852 965 000	1 947 860 000	1 700 799 000	1 970 396 000
Cash, Bank	0	0	0	0
Total Current Assets	24 430 423 000	24 231 919 000	23 823 133 000	22 291 540 000
Total Assets	26 473 636 000	26 166 833 000	25 448 769 000	23 886 008 000
Total Equity	4 033 518 000	3 786 419 000	3 454 420 000	3 318 139 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	409 358 000	414 880 000	315 077 000	329 780 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	22 020 963 000	21 962 175 000	21 474 057 000	20 234 893 000
Total Current Debt	21 860 398 000	21 888 284 000	21 679 272 000	20 238 089 000
Total Equity and Debt	26 473 636 000	26 166 834 000	2 907 471 000	3 118 576 000

Financial indicators	2022	2021	2020	2019
Return on Equity	11,7 %	11,38 %	8,8 %	11,52 %
Debt-to-Equity Ratio	0,1	0,11	0,09	0,1
Operating Profit Margin	70,96 %	73,05 %	57,02 %	60,45 %
Current Ratio	1,12	1,11	1,1	1,1
Quick Ratio	1,12	1,11	1,1	1,1
Equity Ratio	0,15	0,14	0,14	0,14
Gross Profit Margin	100 %	100 %	100 %	100 %