HAUGESUND SPAREBANK

5527 HAUGESUND

Finances

Return on Equity

6,97 %

Current Ratio

1,36

Debt-to-Equity Ratio

1,77

Key figures (NOK)	2022	2021	2020	2019
Revenue	323 451 000	295 340 000	297 080 000	271 733 000
Net Income	123 218 000	125 326 000	117 942 000	101 637 000
Total Assets	13 789 823 000	12 862 002 000	12 124 764 000	11 034 128 000
Total Equity	1 769 071 000	1 650 814 000	1 545 251 000	1 291 293 000

Income (NOK)	2022	2021	2020	2019
Revenue	323 451 000	295 340 000	297 080 000	271 733 000
Expenditure	138 095 000	124 934 000	114 000 000	123 665 000
Operating Profit	185 356 000	170 406 000	183 080 000	148 068 000
Financial Income	0	0	0	0
Financial Costs	28 426 000	13 048 000	35 540 000	13 762 000
Financial Balance	−28 426 000	−13 048 000	−35 540 000	−13 762 000
Earnings Before Tax	156 930 000	157 358 000	147 540 000	134 306 000
Tax	33 712 000	32 032 000	29 598 000	32 669 000
Net Income	123 218 000	125 326 000	117 942 000	101 637 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 686 618 000	1 576 646 000	1 568 753 000	807 409 000
Total Current Assets	12 103 205 000	11 285 356 000	10 556 011 000	10 226 719 000
Total Assets	13 789 823 000	12 862 002 000	12 124 764 000	11 034 128 000
Total Retained Equity	1 407 839 000	1 309 582 000	1 204 019 000	1 065 061 000
Total Equity	1 769 071 000	1 650 814 000	1 545 251 000	1 291 293 000
Total Long-Term Debt	3 132 631 000	2 116 642 000	1 953 387 000	1 722 696 000
Total Current Debt	8 888 122 000	9 094 546 000	8 626 126 000	8 020 139 000
Total Equity and Debt	13 789 824 000	12 862 002 000	12 124 764 000	11 034 128 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	323 451 000	295 340 000	297 080 000	271 733 000
Other Income	0	0	0	0
Revenue	323 451 000	295 340 000	297 080 000	271 733 000
Cost of Goods Sold	0	0	0	0
Salary Costs	64 615 000	62 528 000	56 999 000	61 794 000
Depreciation	7 284 000	7 416 000	5 179 000	6 483 000
Impairment	0	0	0	0
Expenditure	138 095 000	124 934 000	114 000 000	123 665 000
Operating Profit	185 356 000	170 406 000	183 080 000	148 068 000
Financial Income	0	0	0	0
Financial Costs	28 426 000	13 048 000	35 540 000	13 762 000
Financial Balance	−28 426 000	−13 048 000	−35 540 000	−13 762 000
Dividends	14 625 000	14 625 000	13 500 000	7 875 000
Net Income	123 218 000	125 326 000	117 942 000	101 637 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	9 576 000	7 021 000	4 811 000	10 589 000
Real Eastate	21 157 000	21 740 000	22 324 000	28 989 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	18 493 000	18 372 000	10 515 000	6 871 000
Total Tangible Assets	39 650 000	40 112 000	32 839 000	35 860 000
Total Fiancial Fixed Assets	1 637 392 000	1 529 513 000	1 531 103 000	760 960 000
Total Fixed Assets	1 686 618 000	1 576 646 000	1 568 753 000	807 409 000
Stock	0	0	0	0
Total Investments	35 521 000	36 021 000	36 411 000	855 624 000
Cash, Bank	79 674 000	78 655 000	379 141 000	81 660 000
Total Current Assets	12 103 205 000	11 285 356 000	10 556 011 000	10 226 719 000
Total Assets	13 789 823 000	12 862 002 000	12 124 764 000	11 034 128 000
Total Equity	1 769 071 000	1 650 814 000	1 545 251 000	1 291 293 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	3 132 631 000	2 116 642 000	1 953 387 000	1 722 696 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	14 625 000	14 625 000	13 500 000	7 875 000
Other Current Debt	8 845 598 000	9 055 876 000	8 393 261 000	8 016 838 000
Total Current Debt	8 888 122 000	9 094 546 000	8 626 126 000	8 020 139 000
Total Equity and Debt	13 789 824 000	12 862 002 000	12 124 764 000	11 034 128 000

Financial indicators	2022	2021	2020	2019
Return on Equity	6,97 %	7,59 %	7,63 %	7,87 %
Debt-to-Equity Ratio	1,77	1,28	1,26	1,33
Operating Profit Margin	57,31 %	57,7 %	61,63 %	54,49 %
Current Ratio	1,36	1,24	1,22	1,28
Quick Ratio	1,36	1,24	1,22	1,28
Equity Ratio	0,13	0,13	0,13	0,12
Gross Profit Margin	100 %	100 %	100 %	100 %