TF BANK NORGE

5012 BERGEN

Finances

Share Ownership

Return on Equity

19,65 %

Current Ratio

1,13

Debt-to-Equity Ratio

0,14

Key figures (SEK)	2022	2021	2020
Revenue	1 412 757 000	1 055 286 000	875 523 000
Net Income	340 805 000	277 206 000	203 143 000
Total Assets	18 347 290 000	13 390 816 000	10 216 965 000
Total Equity	1 734 778 000	1 430 691 000	1 083 545 000

Income (SEK)	2022	2021	2020
Revenue	1 412 757 000	1 055 286 000	875 523 000
Expenditure	611 229 000	442 165 000	339 731 000
Operating Profit	801 572 000	613 122 000	535 792 000
Financial Income	0	0	0
Financial Costs	367 569 000	260 564 000	272 676 000
Financial Balance	−367 569 000	−260 564 000	−272 676 000
Earnings Before Tax	434 003 000	352 558 000	263 116 000
Tax	−93 198 000	−75 352 000	−59 971 000
Net Income	340 805 000	277 206 000	203 143 000

Balance (SEK)	2022	2021	2020
Total Fixed Assets	166 553 000	152 392 000	175 026 000
Total Current Assets	18 123 051 000	11 968 332 000	10 041 939 000
Total Assets	18 347 290 000	13 390 816 000	10 216 965 000
Total Retained Equity	1 426 278 000	1 122 191 000	876 045 000
Total Equity	1 734 778 000	1 430 691 000	1 083 545 000
Total Long-Term Debt	234 630 000	239 772 000	354 343 000
Total Current Debt	16 108 130 000	11 504 749 000	8 714 032 000
Total Equity and Debt	18 347 290 000	13 390 816 000	10 216 965 000

Cash flow (SEK)	2022	2021	2020
Sales Income	0	0	0
Other Income	0	0	0
Revenue	1 412 757 000	1 055 286 000	875 523 000
Cost of Goods Sold	0	0	0
Salary Costs	215 209 000	166 132 000	144 463 000
Depreciation	30 256 000	28 638 000	26 095 000
Impairment	0	0	0
Expenditure	611 229 000	442 165 000	339 731 000
Operating Profit	801 572 000	613 122 000	535 792 000
Financial Income	0	0	0
Financial Costs	367 569 000	260 564 000	272 676 000
Financial Balance	−367 569 000	−260 564 000	−272 676 000
Dividends	0	0	0
Net Income	340 805 000	277 206 000	203 143 000

Balance details (SEK)	2022	2021	2020
Goodwill	0	0	0
Total Intangible Assets	95 707 000	81 567 000	74 515 000
Real Eastate	0	0	0
Machinery and Plant Facilities	0	0	0
Fixtures	0	0	0
Total Tangible Assets	3 955 000	2 699 000	14 889 000
Total Fiancial Fixed Assets	66 891 000	68 126 000	85 622 000
Total Fixed Assets	166 553 000	152 392 000	175 026 000
Stock	0	0	0
Total Investments	1 837 025 000	316 411 000	60 022 000
Cash, Bank	0	0	0
Total Current Assets	18 123 051 000	11 968 332 000	10 041 939 000
Total Assets	18 347 290 000	13 390 816 000	10 216 965 000
Total Equity	1 734 778 000	1 430 691 000	1 083 545 000
Short-Term Group Debt	0	0	0
Total Long-Term Debt	234 630 000	239 772 000	354 343 000
Creditors	0	0	0
Unpaid Taxes	0	0	0
Dividends	0	0	0
Other Current Debt	16 377 882 000	11 720 353 000	8 779 077 000
Total Current Debt	16 108 130 000	11 504 749 000	8 714 032 000
Total Equity and Debt	18 347 290 000	13 390 816 000	10 216 965 000

Financial indicators	2022	2021	2020
Return on Equity	19,65 %	19,38 %	18,75 %
Debt-to-Equity Ratio	0,14	0,17	0,33
Operating Profit Margin	56,74 %	58,1 %	61,2 %
Current Ratio	1,13	1,04	1,15
Quick Ratio	1,13	1,04	1,15
Equity Ratio	0,09	0,11	0,11
Gross Profit Margin	100 %	100 %	100 %