OBOS-BANKEN AS

0179 OSLO

Finances

Return on Equity

6,36 %

Current Ratio

1,12

Debt-to-Equity Ratio

0,35

Key figures (NOK)	2022	2021	2020	2019
Revenue	560 406 000	472 905 000	473 624 000	410 780 000
Net Income	277 308 000	233 010 000	217 900 000	166 873 000
Total Assets	56 453 512 000	53 566 804 000	50 614 273 000	45 340 644 000
Total Equity	4 359 206 000	4 128 175 000	3 706 400 000	3 502 417 000

Income (NOK)	2022	2021	2020	2019
Revenue	560 406 000	472 905 000	473 624 000	410 780 000
Expenditure	212 264 000	193 856 000	172 998 000	159 152 000
Operating Profit	348 142 000	279 049 000	300 626 000	251 628 000
Financial Income	0	0	0	0
Financial Costs	5 985 000	−11 152 000	10 109 000	16 069 000
Financial Balance	−5 985 000	11 152 000	−10 109 000	−16 069 000
Earnings Before Tax	342 157 000	290 201 000	290 517 000	235 559 000
Tax	−86 919 000	−53 929 000	−71 567 000	47 315 000
Net Income	277 308 000	233 010 000	217 900 000	166 873 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	234 145 000	195 161 000	284 798 000	140 129 000
Total Current Assets	56 141 209 000	53 295 656 000	50 259 503 000	45 200 515 000
Total Assets	56 453 512 000	53 566 804 000	50 614 273 000	45 340 644 000
Total Retained Equity	1 259 121 000	1 109 940 000	888 165 000	983 382 000
Total Equity	4 359 206 000	4 128 175 000	3 706 400 000	3 502 417 000
Total Long-Term Debt	1 514 143 000	909 332 000	411 570 000	350 345 000
Total Current Debt	50 236 174 000	48 438 533 000	46 169 966 000	41 487 882 000
Total Equity and Debt	56 453 512 000	53 566 804 000	50 614 273 000	3 886 697 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	560 406 000	472 905 000	473 624 000	410 780 000
Cost of Goods Sold	0	0	0	0
Salary Costs	57 119 000	51 695 000	46 827 000	46 209 000
Depreciation	11 465 000	11 819 000	12 499 000	14 124 000
Impairment	0	0	0	0
Expenditure	212 264 000	193 856 000	172 998 000	159 152 000
Operating Profit	348 142 000	279 049 000	300 626 000	251 628 000
Financial Income	0	0	0	0
Financial Costs	5 985 000	−11 152 000	10 109 000	16 069 000
Financial Balance	−5 985 000	11 152 000	−10 109 000	−16 069 000
Dividends	0	0	0	0
Net Income	277 308 000	233 010 000	217 900 000	166 873 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	53 545 000	71 495 000	73 778 000	67 408 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	492 000
Total Tangible Assets	44 000	111 000	265 000	492 000
Total Fiancial Fixed Assets	180 556 000	123 555 000	210 755 000	72 229 000
Total Fixed Assets	234 145 000	195 161 000	284 798 000	140 129 000
Stock	0	0	0	0
Total Investments	5 653 079 000	6 240 601 000	6 149 613 000	4 749 887 000
Cash, Bank	0	0	0	0
Total Current Assets	56 141 209 000	53 295 656 000	50 259 503 000	45 200 515 000
Total Assets	56 453 512 000	53 566 804 000	50 614 273 000	45 340 644 000
Total Equity	4 359 206 000	4 128 175 000	3 706 400 000	3 502 417 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	1 514 143 000	909 332 000	411 570 000	350 345 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	50 538 248 000	48 497 968 000	44 943 348 000	41 468 274 000
Total Current Debt	50 236 174 000	48 438 533 000	46 169 966 000	41 487 882 000
Total Equity and Debt	56 453 512 000	53 566 804 000	50 614 273 000	3 886 697 000

Financial indicators	2022	2021	2020	2019
Return on Equity	6,36 %	5,64 %	5,88 %	4,76 %
Debt-to-Equity Ratio	0,35	0,22	0,11	0,1
Operating Profit Margin	62,12 %	59,01 %	63,47 %	61,26 %
Current Ratio	1,12	1,1	1,09	1,09
Quick Ratio	1,12	1,1	1,09	1,09
Equity Ratio	0,08	0,08	0,07	0,08
Gross Profit Margin	100 %	100 %	100 %	100 %