SPAREBANK 1 REGNSKAPSHUSET SMN AS

7011 TRONDHEIM

Finances

Return on Equity

17,11 %

Current Ratio

1,4

Debt-to-Equity Ratio

0,09

Key figures (NOK)	2022	2021	2020	2019
Revenue	605 451 000	561 519 000	532 640 000	502 100 000
Net Income	75 005 000	66 217 000	86 202 000	84 506 000
Total Assets	634 515 000	625 113 000	591 592 000	527 477 000
Total Equity	438 468 000	427 591 000	419 822 000	366 568 000

Income (NOK)	2022	2021	2020	2019
Revenue	605 451 000	561 519 000	532 640 000	502 100 000
Expenditure	509 793 000	475 929 000	421 846 000	393 560 000
Operating Profit	95 658 000	85 590 000	110 794 000	108 539 000
Financial Income	2 866 000	1 564 000	2 212 000	2 707 000
Financial Costs	2 397 000	2 380 000	2 558 000	2 944 000
Financial Balance	469 000	−816 000	−346 000	−237 000
Earnings Before Tax	96 128 000	84 773 000	110 448 000	108 302 000
Tax	21 122 000	18 557 000	24 245 000	23 796 000
Net Income	75 005 000	66 217 000	86 202 000	84 506 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	418 446 000	404 145 000	336 172 000	323 515 000
Total Current Assets	216 069 000	220 968 000	255 419 000	203 963 000
Total Assets	634 515 000	625 113 000	591 592 000	527 477 000
Total Retained Equity	109 605 000	98 728 000	115 962 000	112 711 000
Total Equity	438 468 000	427 591 000	419 822 000	366 568 000
Total Long-Term Debt	41 547 000	42 806 000	25 157 000	32 946 000
Total Current Debt	154 500 000	154 716 000	146 612 000	127 964 000
Total Equity and Debt	634 515 000	625 113 000	591 592 000	527 477 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	598 557 000	555 711 000	527 528 000	500 891 000
Other Income	6 894 000	5 809 000	5 112 000	1 209 000
Revenue	605 451 000	561 519 000	532 640 000	502 100 000
Cost of Goods Sold	30 850 000	23 328 000	19 141 000	19 821 000
Salary Costs	400 115 000	375 629 000	330 675 000	316 546 000
Depreciation	799 000	706 000	1 316 000	14 722 000
Impairment	17 006 000	17 746 000	15 233 000	0
Expenditure	509 793 000	475 929 000	421 846 000	393 560 000
Operating Profit	95 658 000	85 590 000	110 794 000	108 539 000
Financial Income	2 866 000	1 564 000	2 212 000	2 707 000
Financial Costs	2 397 000	2 380 000	2 558 000	2 944 000
Financial Balance	469 000	−816 000	−346 000	−237 000
Dividends	0	0	0	0
Net Income	75 005 000	66 217 000	86 202 000	84 506 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	361 047 000	348 088 000	295 907 000	273 577 000
Total Intangible Assets	361 047 000	348 302 000	296 420 000	273 577 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	50 096 000	51 236 000	36 580 000	46 072 000
Fixtures	4 491 000	1 869 000	832 000	2 104 000
Total Tangible Assets	54 586 000	53 105 000	37 412 000	48 176 000
Total Fiancial Fixed Assets	2 812 000	2 738 000	2 340 000	1 761 000
Total Fixed Assets	418 446 000	404 145 000	336 172 000	323 515 000
Stock	0	0	42 000	8 000
Total Investments	0	0	0	0
Cash, Bank	129 512 000	152 331 000	187 602 000	132 236 000
Total Current Assets	216 069 000	220 968 000	255 419 000	203 963 000
Total Assets	634 515 000	625 113 000	591 592 000	527 477 000
Total Equity	438 468 000	427 591 000	419 822 000	366 568 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	41 547 000	42 806 000	25 157 000	32 946 000
Creditors	5 125 000	7 953 000	9 152 000	9 518 000
Unpaid Taxes	46 001 000	45 020 000	37 827 000	35 563 000
Dividends	0	0	0	0
Other Current Debt	83 136 000	83 083 000	73 554 000	59 864 000
Total Current Debt	154 500 000	154 716 000	146 612 000	127 964 000
Total Equity and Debt	634 515 000	625 113 000	591 592 000	527 477 000

Financial indicators	2022	2021	2020	2019
Return on Equity	17,11 %	15,49 %	20,53 %	23,05 %
Debt-to-Equity Ratio	0,09	0,1	0,06	0,09
Operating Profit Margin	15,8 %	15,24 %	20,8 %	21,62 %
Current Ratio	1,4	1,43	1,74	1,59
Quick Ratio	1,4	1,43	1,74	1,59
Equity Ratio	0,69	0,68	0,71	0,69
Gross Profit Margin	94,9 %	95,85 %	96,41 %	96,05 %