ROGALAND SPAREBANK

4306 SANDNES

Finances

Return on Equity

7,17 %

Current Ratio

1,02

Debt-to-Equity Ratio

0,13

Key figures (NOK)	2022	2021	2020	2019
Revenue	549 705 000	522 807 000	512 511 000	549 330 000
Net Income	218 786 000	251 106 000	213 608 000	246 676 000
Total Assets	21 411 672 000	20 711 410 000	21 086 084 000	20 692 763 000
Total Equity	3 050 095 000	2 774 516 000	2 680 428 000	2 795 500 000

Income (NOK)	2022	2021	2020	2019
Revenue	549 705 000	522 807 000	512 511 000	549 330 000
Expenditure	284 363 000	277 404 000	238 316 000	240 903 000
Operating Profit	265 342 000	245 403 000	274 195 000	308 427 000
Financial Income	0	0	0	0
Financial Costs	12 401 000	−33 699 000	23 415 000	14 360 000
Financial Balance	−12 401 000	33 699 000	−23 415 000	−14 360 000
Earnings Before Tax	252 941 000	279 102 000	250 780 000	294 067 000
Tax	34 155 000	27 996 000	37 172 000	47 391 000
Net Income	218 786 000	251 106 000	213 608 000	246 676 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	3 097 931 000	2 449 327 000	2 086 878 000	2 075 929 000
Total Current Assets	18 313 741 000	18 262 083 000	18 999 206 000	18 616 834 000
Total Assets	21 411 672 000	20 711 410 000	21 086 084 000	20 692 763 000
Total Retained Equity	1 985 717 000	1 712 522 000	1 619 093 000	1 578 424 000
Total Equity	3 050 095 000	2 774 516 000	2 680 428 000	2 795 500 000
Total Long-Term Debt	382 916 000	214 238 000	215 397 000	217 542 000
Total Current Debt	17 978 661 000	17 722 656 000	18 190 259 000	17 679 721 000
Total Equity and Debt	21 411 672 000	20 711 410 000	21 086 084 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	549 705 000	522 807 000	512 511 000	549 330 000
Cost of Goods Sold	0	0	0	0
Salary Costs	240 462 000	232 621 000	191 792 000	128 163 000
Depreciation	15 206 000	17 682 000	22 769 000	21 846 000
Impairment	0	0	0	0
Expenditure	284 363 000	277 404 000	238 316 000	240 903 000
Operating Profit	265 342 000	245 403 000	274 195 000	308 427 000
Financial Income	0	0	0	0
Financial Costs	12 401 000	−33 699 000	23 415 000	14 360 000
Financial Balance	−12 401 000	33 699 000	−23 415 000	−14 360 000
Dividends	0	0	0	0
Net Income	218 786 000	251 106 000	213 608 000	246 676 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	15 220 000	17 866 000	16 037 000	24 260 000
Real Eastate	0	0	1 562 000	1 612 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	2 996 000	3 268 000	4 188 000	4 161 000
Total Tangible Assets	2 996 000	3 268 000	5 750 000	5 773 000
Total Fiancial Fixed Assets	3 079 715 000	2 428 193 000	2 065 091 000	2 045 896 000
Total Fixed Assets	3 097 931 000	2 449 327 000	2 086 878 000	2 075 929 000
Stock	0	0	0	0
Total Investments	2 759 106 000	2 239 869 000	3 405 734 000	3 062 166 000
Cash, Bank	0	0	0	0
Total Current Assets	18 313 741 000	18 262 083 000	18 999 206 000	18 616 834 000
Total Assets	21 411 672 000	20 711 410 000	21 086 084 000	20 692 763 000
Total Equity	3 050 095 000	2 774 516 000	2 680 428 000	2 795 500 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	382 916 000	214 238 000	215 397 000	217 542 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	17 686 976 000	17 506 195 000	16 814 142 000	17 393 281 000
Total Current Debt	17 978 661 000	17 722 656 000	18 190 259 000	17 679 721 000
Total Equity and Debt	21 411 672 000	20 711 410 000	21 086 084 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	7,17 %	9,05 %	7,97 %	8,82 %
Debt-to-Equity Ratio	0,13	0,08	0,08	0,08
Operating Profit Margin	48,27 %	46,94 %	53,5 %	56,15 %
Current Ratio	1,02	1,03	1,04	1,05
Quick Ratio	1,02	1,03	1,04	1,05
Equity Ratio	0,14	0,13	0,13	0,14
Gross Profit Margin	100 %	100 %	100 %	100 %