SPAREBANK 1 NÆRINGSKREDITT AS

4006 STAVANGER

Finances

Share Ownership

Return on Equity

1 %

Current Ratio

1,2

Debt-to-Equity Ratio

0,01

Key figures (NOK)	2022	2021	2020	2019
Revenue	47 050 000	66 725 000	96 976 000	88 688 000
Net Income	20 539 000	44 490 000	59 361 000	62 065 000
Total Assets	11 614 946 000	11 723 466 000	11 999 555 000	11 411 016 000
Total Equity	2 050 098 000	2 074 016 000	2 088 890 000	2 094 606 000

Income (NOK)	2022	2021	2020	2019
Revenue	47 050 000	66 725 000	96 976 000	88 688 000
Expenditure	12 248 000	11 494 000	14 230 000	12 233 000
Operating Profit	34 802 000	55 231 000	82 746 000	76 456 000
Financial Income	0	0	0	0
Financial Costs	8 472 000	−1 808 000	6 619 000	−3 115 000
Financial Balance	−8 472 000	1 808 000	−6 619 000	3 115 000
Earnings Before Tax	26 332 000	57 038 000	76 127 000	79 570 000
Tax	−5 793 000	−12 548 000	−16 766 000	17 505 000
Net Income	20 539 000	44 490 000	59 361 000	62 065 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	181 530 000	333 280 000	652 888 000	379 785 000
Total Current Assets	11 433 416 000	11 390 186 000	11 346 668 000	11 031 230 000
Total Assets	11 614 946 000	11 723 466 000	11 999 555 000	11 411 016 000
Total Retained Equity	20 653 000	44 571 000	59 445 000	65 161 000
Total Equity	2 050 098 000	2 074 016 000	2 088 890 000	2 094 606 000
Total Long-Term Debt	12 867 000	25 856 000	32 304 000	38 336 000
Total Current Debt	9 506 722 000	9 609 944 000	9 853 761 000	9 278 073 000
Total Equity and Debt	11 614 946 000	11 723 466 000	11 999 555 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	47 050 000	66 725 000	96 976 000	88 688 000
Cost of Goods Sold	0	0	0	0
Salary Costs	4 059 000	3 223 000	3 949 000	3 590 000
Depreciation	149 000	201 000	411 000	355 000
Impairment	0	0	0	0
Expenditure	12 248 000	11 494 000	14 230 000	12 233 000
Operating Profit	34 802 000	55 231 000	82 746 000	76 456 000
Financial Income	0	0	0	0
Financial Costs	8 472 000	−1 808 000	6 619 000	−3 115 000
Financial Balance	−8 472 000	1 808 000	−6 619 000	3 115 000
Dividends	0	0	0	0
Net Income	20 539 000	44 490 000	59 361 000	62 065 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	154 000	350 000	761 000
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	181 530 000	333 126 000	652 538 000	379 024 000
Total Fixed Assets	181 530 000	333 280 000	652 888 000	379 785 000
Stock	0	0	0	0
Total Investments	1 416 785 000	1 171 427 000	552 895 000	645 165 000
Cash, Bank	0	0	0	0
Total Current Assets	11 433 416 000	11 390 186 000	11 346 668 000	11 031 230 000
Total Assets	11 614 946 000	11 723 466 000	11 999 555 000	11 411 016 000
Total Equity	2 050 098 000	2 074 016 000	2 088 890 000	2 094 606 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	12 867 000	25 856 000	32 304 000	38 336 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	9 551 981 000	9 541 532 000	9 688 518 000	7 717 000
Total Current Debt	9 506 722 000	9 609 944 000	9 853 761 000	9 278 073 000
Total Equity and Debt	11 614 946 000	11 723 466 000	11 999 555 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	1 %	2,15 %	2,84 %	2,96 %
Debt-to-Equity Ratio	0,01	0,01	0,02	0,02
Operating Profit Margin	73,97 %	82,77 %	85,33 %	86,21 %
Current Ratio	1,2	1,19	1,15	1,19
Quick Ratio	1,2	1,19	1,15	1,19
Equity Ratio	0,18	0,18	0,17	0,18
Gross Profit Margin	100 %	100 %	100 %	100 %