SPAREBANK 1 GUDBRANDSDAL

2640 VINSTRA

Finances

Return on Equity

8,36 %

Current Ratio

1,11

Debt-to-Equity Ratio

0,07

Key figures (NOK)	2022	2021	2020	2019
Revenue	289 580 000	240 364 000	211 998 000	307 644 000
Net Income	123 208 000	127 040 000	110 635 000	154 376 000
Total Assets	11 492 892 000	10 734 172 000	9 940 659 000	8 758 300 000
Total Equity	1 473 728 000	1 358 534 000	1 238 576 000	1 063 764 000

Income (NOK)	2022	2021	2020	2019
Revenue	289 580 000	240 364 000	211 998 000	307 644 000
Expenditure	158 050 000	135 561 000	124 635 000	122 484 000
Operating Profit	157 415 000	155 640 000	135 904 000	185 160 000
Financial Income	0	0	0	0
Financial Costs	3 510 000	4 695 000	8 784 000	2 985 000
Financial Balance	−3 510 000	−4 695 000	−8 784 000	−2 985 000
Earnings Before Tax	153 905 000	150 945 000	127 120 000	182 175 000
Tax	−30 940 000	−24 238 000	−20 335 000	27 799 000
Net Income	123 208 000	127 040 000	110 635 000	154 376 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	581 788 000	543 549 000	520 191 000	581 646 000
Total Current Assets	10 889 733 000	10 168 852 000	9 395 219 000	8 165 299 000
Total Assets	11 492 892 000	10 734 172 000	9 940 659 000	8 758 300 000
Total Retained Equity	1 473 728 000	1 358 534 000	1 238 576 000	1 063 764 000
Total Equity	1 473 728 000	1 358 534 000	1 238 576 000	1 063 764 000
Total Long-Term Debt	110 355 000	109 809 000	107 510 000	105 267 000
Total Current Debt	9 796 827 000	9 191 105 000	8 513 407 000	7 589 269 000
Total Equity and Debt	11 492 892 000	10 734 172 000	9 940 659 000	188 400 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	289 580 000	240 364 000	211 998 000	307 644 000
Cost of Goods Sold	0	0	0	0
Salary Costs	77 299 000	70 922 000	61 330 000	59 475 000
Depreciation	5 735 000	5 124 000	4 644 000	4 527 000
Impairment	0	0	139 000	0
Expenditure	158 050 000	135 561 000	124 635 000	122 484 000
Operating Profit	157 415 000	155 640 000	135 904 000	185 160 000
Financial Income	0	0	0	0
Financial Costs	3 510 000	4 695 000	8 784 000	2 985 000
Financial Balance	−3 510 000	−4 695 000	−8 784 000	−2 985 000
Dividends	0	0	0	0
Net Income	123 208 000	127 040 000	110 635 000	154 376 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	5 994 000	3 395 000
Real Eastate	0	0	0	55 127 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	5 262 000
Total Tangible Assets	67 636 000	68 518 000	58 519 000	60 389 000
Total Fiancial Fixed Assets	514 152 000	475 031 000	455 678 000	517 862 000
Total Fixed Assets	581 788 000	543 549 000	520 191 000	581 646 000
Stock	0	0	0	0
Total Investments	667 572 000	713 245 000	511 019 000	150 529 000
Cash, Bank	0	0	0	0
Total Current Assets	10 889 733 000	10 168 852 000	9 395 219 000	8 165 299 000
Total Assets	11 492 892 000	10 734 172 000	9 940 659 000	8 758 300 000
Total Equity	1 473 728 000	1 358 534 000	1 238 576 000	1 063 764 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	110 355 000	109 809 000	107 510 000	105 267 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	9 908 809 000	9 265 829 000	8 594 573 000	7 589 269 000
Total Current Debt	9 796 827 000	9 191 105 000	8 513 407 000	7 589 269 000
Total Equity and Debt	11 492 892 000	10 734 172 000	9 940 659 000	188 400 000

Financial indicators	2022	2021	2020	2019
Return on Equity	8,36 %	9,35 %	8,93 %	14,51 %
Debt-to-Equity Ratio	0,07	0,08	0,09	0,1
Operating Profit Margin	54,36 %	64,75 %	64,11 %	60,19 %
Current Ratio	1,11	1,11	1,1	1,08
Quick Ratio	1,11	1,11	1,1	1,08
Equity Ratio	0,13	0,13	0,12	0,12
Gross Profit Margin	100 %	100 %	100 %	100 %