SPAREBANK 1 FINANS NORD-NORGE AS

9008 TROMSØ

Finances

Share Ownership

Return on Equity

11,46 %

Current Ratio

1,29

Debt-to-Equity Ratio

0,49

Key figures (NOK)	2022	2021	2020	2019
Revenue	272 411 000	266 885 000	274 742 000	249 346 000
Net Income	156 532 000	275 011 000	133 473 000	125 857 000
Total Assets	8 786 754 000	7 910 987 000	6 953 691 000	6 585 998 000
Total Equity	1 366 260 000	1 239 354 000	1 107 523 000	1 104 042 000

Income (NOK)	2022	2021	2020	2019
Revenue	272 411 000	266 885 000	274 742 000	249 346 000
Expenditure	56 559 000	65 058 000	64 155 000	67 605 000
Operating Profit	215 852 000	201 827 000	210 587 000	181 741 000
Financial Income	0	0	0	0
Financial Costs	8 619 000	−164 625 000	34 246 000	15 807 000
Financial Balance	−8 619 000	164 625 000	−34 246 000	−15 807 000
Earnings Before Tax	207 233 000	366 452 000	176 341 000	165 933 000
Tax	−50 701 000	−90 744 000	−43 565 000	40 077 000
Net Income	156 532 000	275 011 000	133 473 000	125 857 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	104 531 000	115 218 000	94 108 000	57 784 000
Total Current Assets	8 682 223 000	7 795 769 000	6 859 583 000	6 528 215 000
Total Assets	8 786 754 000	7 910 987 000	6 953 691 000	6 585 998 000
Total Retained Equity	191 260 000	319 093 000	187 716 000	264 042 000
Total Equity	1 366 260 000	1 239 354 000	1 107 523 000	1 104 042 000
Total Long-Term Debt	665 542 000	616 110 000	479 833 000	182 030 000
Total Current Debt	6 715 226 000	6 025 481 000	5 287 902 000	5 299 926 000
Total Equity and Debt	8 786 754 000	7 910 987 000	6 953 691 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	272 411 000	266 885 000	274 742 000	249 346 000
Cost of Goods Sold	0	0	0	0
Salary Costs	50 775 000	51 125 000	46 177 000	35 655 000
Depreciation	7 823 000	9 767 000	7 821 000	8 865 000
Impairment	0	0	0	0
Expenditure	56 559 000	65 058 000	64 155 000	67 605 000
Operating Profit	215 852 000	201 827 000	210 587 000	181 741 000
Financial Income	0	0	0	0
Financial Costs	8 619 000	−164 625 000	34 246 000	15 807 000
Financial Balance	−8 619 000	164 625 000	−34 246 000	−15 807 000
Dividends	0	0	0	0
Net Income	156 532 000	275 011 000	133 473 000	125 857 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	7 932 000
Total Tangible Assets	29 670 000	31 471 000	34 084 000	7 932 000
Total Fiancial Fixed Assets	74 861 000	83 747 000	60 024 000	49 852 000
Total Fixed Assets	104 531 000	115 218 000	94 108 000	57 784 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	0	0	0	0
Total Current Assets	8 682 223 000	7 795 769 000	6 859 583 000	6 528 215 000
Total Assets	8 786 754 000	7 910 987 000	6 953 691 000	6 585 998 000
Total Equity	1 366 260 000	1 239 354 000	1 107 523 000	1 104 042 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	665 542 000	616 110 000	479 833 000	182 030 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	39 726 000	30 042 000	78 433 000	475 368 000
Total Current Debt	6 715 226 000	6 025 481 000	5 287 902 000	5 299 926 000
Total Equity and Debt	8 786 754 000	7 910 987 000	6 953 691 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	11,46 %	22,19 %	12,05 %	11,4 %
Debt-to-Equity Ratio	0,49	0,5	0,43	0,16
Operating Profit Margin	79,24 %	75,62 %	76,65 %	72,89 %
Current Ratio	1,29	1,29	1,3	1,23
Quick Ratio	1,29	1,29	1,3	1,23
Equity Ratio	0,16	0,16	0,16	0,17
Gross Profit Margin	100 %	100 %	100 %	100 %