OBOS BOLIGKREDITT AS

0179 OSLO

Finances

Share Ownership

Return on Equity

5,09 %

Current Ratio

1,09

Debt-to-Equity Ratio

0,06

Key figures (NOK)	2022	2021	2020	2019
Revenue	128 703 000	181 687 000	153 046 000	116 833 000
Net Income	97 020 000	142 533 000	105 628 000	84 637 000
Total Assets	25 694 873 000	25 756 580 000	23 437 816 000	20 331 931 000
Total Equity	1 907 275 000	1 907 275 000	1 764 742 000	1 459 114 000

Income (NOK)	2022	2021	2020	2019
Revenue	128 703 000	181 687 000	153 046 000	116 833 000
Expenditure	8 990 000	8 962 000	7 538 000	7 315 000
Operating Profit	119 713 000	172 725 000	145 508 000	109 519 000
Financial Income	0	0	0	0
Financial Costs	1 285 000	−3 535 000	−414 000	2 398 000
Financial Balance	−1 285 000	3 535 000	414 000	−2 398 000
Earnings Before Tax	118 428 000	176 261 000	145 923 000	107 121 000
Tax	−27 879 000	−30 738 000	−39 378 000	22 484 000
Net Income	97 020 000	142 533 000	105 628 000	84 637 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	11 867 000	40 490 000	46 300 000	9 393 000
Total Current Assets	25 683 007 000	25 716 090 000	23 391 515 000	20 322 537 000
Total Assets	25 694 873 000	25 756 580 000	23 437 816 000	20 331 931 000
Total Retained Equity	407 236 000	407 236 000	264 703 000	159 075 000
Total Equity	1 907 275 000	1 907 275 000	1 764 742 000	1 459 114 000
Total Long-Term Debt	123 598 000	38 626 000	39 644 000	224 000
Total Current Debt	23 633 446 000	23 810 680 000	21 633 430 000	18 872 594 000
Total Equity and Debt	25 694 873 000	25 756 580 000	23 437 816 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	128 703 000	181 687 000	153 046 000	116 833 000
Cost of Goods Sold	0	0	0	0
Salary Costs	188 000	183 000	183 000	183 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	8 990 000	8 962 000	7 538 000	7 315 000
Operating Profit	119 713 000	172 725 000	145 508 000	109 519 000
Financial Income	0	0	0	0
Financial Costs	1 285 000	−3 535 000	−414 000	2 398 000
Financial Balance	−1 285 000	3 535 000	414 000	−2 398 000
Dividends	0	0	0	0
Net Income	97 020 000	142 533 000	105 628 000	84 637 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	1 899 000
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	11 867 000	40 490 000	46 300 000	7 494 000
Total Fixed Assets	11 867 000	40 490 000	46 300 000	9 393 000
Stock	0	0	0	0
Total Investments	268 932 000	40 411 000	30 479 000	30 693 000
Cash, Bank	0	0	0	0
Total Current Assets	25 683 007 000	25 716 090 000	23 391 515 000	20 322 537 000
Total Assets	25 694 873 000	25 756 580 000	23 437 816 000	20 331 931 000
Total Equity	1 907 275 000	1 907 275 000	1 764 742 000	1 459 114 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	123 598 000	38 626 000	39 644 000	224 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	21 921 735 000	22 294 295 000	20 037 858 000	17 127 227 000
Total Current Debt	23 633 446 000	23 810 680 000	21 633 430 000	18 872 594 000
Total Equity and Debt	25 694 873 000	25 756 580 000	23 437 816 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	5,09 %	7,47 %	5,99 %	5,8 %
Debt-to-Equity Ratio	0,06	0,02	0,02	0
Operating Profit Margin	93,01 %	95,07 %	95,07 %	93,74 %
Current Ratio	1,09	1,08	1,08	1,08
Quick Ratio	1,09	1,08	1,08	1,08
Equity Ratio	0,07	0,07	0,08	0,07
Gross Profit Margin	100 %	100 %	100 %	100 %