VISUAL BANKING AS

0575 OSLO

Finances

Share Ownership

Return on Equity

1 021,32 %

Current Ratio

1,07

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	7 494 000	8 289 000	7 954 000	8 018 000
Net Income	4 504 000	5 519 000	5 036 000	4 914 000
Total Assets	6 438 000	7 616 000	7 290 000	6 963 000
Total Equity	441 000	337 000	218 000	382 000

Income (NOK)	2022	2021	2020	2019
Revenue	7 494 000	8 289 000	7 954 000	8 018 000
Expenditure	1 721 000	1 742 000	1 739 000	1 775 000
Operating Profit	5 774 000	6 548 000	6 215 000	6 243 000
Financial Income	123 000	531 000	330 000	59 000
Financial Costs	150 000	2 000	2 000	1 000
Financial Balance	−27 000	529 000	328 000	58 000
Earnings Before Tax	5 746 000	7 077 000	6 544 000	6 301 000
Tax	1 242 000	1 558 000	1 507 000	1 387 000
Net Income	4 504 000	5 519 000	5 036 000	4 914 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	0	0	0	0
Total Current Assets	6 438 000	7 616 000	7 290 000	6 963 000
Total Assets	6 438 000	7 616 000	7 290 000	6 963 000
Total Retained Equity	331 000	227 000	108 000	272 000
Total Equity	441 000	337 000	218 000	382 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	5 997 000	7 278 000	7 071 000	6 581 000
Total Equity and Debt	6 438 000	7 616 000	7 290 000	6 963 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	7 494 000	8 260 000	7 954 000	8 018 000
Other Income	0	29 000	0	0
Revenue	7 494 000	8 289 000	7 954 000	8 018 000
Cost of Goods Sold	0	0	0	0
Salary Costs	1 397 000	1 359 000	1 343 000	1 336 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	1 721 000	1 742 000	1 739 000	1 775 000
Operating Profit	5 774 000	6 548 000	6 215 000	6 243 000
Financial Income	123 000	531 000	330 000	59 000
Financial Costs	150 000	2 000	2 000	1 000
Financial Balance	−27 000	529 000	328 000	58 000
Dividends	4 400 000	5 400 000	5 200 000	4 900 000
Net Income	4 504 000	5 519 000	5 036 000	4 914 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	0	0	0	0
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	0	0	0	0
Stock	0	0	0	0
Total Investments	4 099 000	0	0	0
Cash, Bank	2 196 000	7 216 000	6 911 000	6 736 000
Total Current Assets	6 438 000	7 616 000	7 290 000	6 963 000
Total Assets	6 438 000	7 616 000	7 290 000	6 963 000
Total Equity	441 000	337 000	218 000	382 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	0	0	0
Creditors	4 000	10 000	11 000	28 000
Unpaid Taxes	181 000	178 000	223 000	158 000
Dividends	4 400 000	5 400 000	5 200 000	4 900 000
Other Current Debt	169 000	132 000	130 000	108 000
Total Current Debt	5 997 000	7 278 000	7 071 000	6 581 000
Total Equity and Debt	6 438 000	7 616 000	7 290 000	6 963 000

Financial indicators	2022	2021	2020	2019
Return on Equity	1 021,32 %	1 637,69 %	2 310,09 %	1 286,39 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	77,05 %	79 %	78,14 %	77,86 %
Current Ratio	1,07	1,05	1,03	1,06
Quick Ratio	1,07	1,05	1,03	1,06
Equity Ratio	0,07	0,04	0,03	0,05
Gross Profit Margin	100 %	100 %	100 %	100 %