SPAREBANK 1 RINGERIKE HADELAND

3510 HØNEFOSS

Finances

Return on Equity

10,49 %

Current Ratio

1,12

Debt-to-Equity Ratio

0,06

Key figures (NOK)	2022	2021	2020	2019
Revenue	779 000 000	705 000 000	623 000 000	885 194 000
Net Income	441 000 000	435 000 000	306 000 000	518 482 000
Total Assets	29 443 000 000	27 796 000 000	27 041 000 000	24 916 426 000
Total Equity	4 203 000 000	4 022 000 000	3 770 000 000	3 677 379 000

Income (NOK)	2022	2021	2020	2019
Revenue	779 000 000	705 000 000	623 000 000	885 194 000
Expenditure	288 000 000	269 000 000	256 000 000	269 360 000
Operating Profit	584 000 000	547 000 000	424 000 000	615 834 000
Financial Income	0	0	0	0
Financial Costs	19 000 000	−6 000 000	28 000 000	8 738 000
Financial Balance	−19 000 000	6 000 000	−28 000 000	−8 738 000
Earnings Before Tax	565 000 000	553 000 000	396 000 000	607 093 000
Tax	−111 000 000	−108 000 000	−84 000 000	88 611 000
Net Income	441 000 000	435 000 000	306 000 000	518 482 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 691 000 000	1 360 000 000	1 302 000 000	1 159 879 000
Total Current Assets	27 661 000 000	26 345 000 000	25 644 000 000	23 756 547 000
Total Assets	29 443 000 000	27 796 000 000	27 041 000 000	24 916 426 000
Total Retained Equity	2 147 000 000	1 965 000 000	1 713 000 000	1 620 646 000
Total Equity	4 203 000 000	4 022 000 000	3 770 000 000	3 677 379 000
Total Long-Term Debt	251 000 000	326 000 000	321 000 000	316 766 000
Total Current Debt	24 678 000 000	23 266 000 000	22 724 000 000	20 922 282 000
Total Equity and Debt	29 443 000 000	27 797 000 000	27 041 000 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	779 000 000	705 000 000	623 000 000	885 194 000
Cost of Goods Sold	0	0	0	0
Salary Costs	141 000 000	131 000 000	128 000 000	139 157 000
Depreciation	0	0	0	8 906 000
Impairment	0	0	0	0
Expenditure	288 000 000	269 000 000	256 000 000	269 360 000
Operating Profit	584 000 000	547 000 000	424 000 000	615 834 000
Financial Income	0	0	0	0
Financial Costs	19 000 000	−6 000 000	28 000 000	8 738 000
Financial Balance	−19 000 000	6 000 000	−28 000 000	−8 738 000
Dividends	0	0	0	0
Net Income	441 000 000	435 000 000	306 000 000	518 482 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	36 000 000	29 000 000	24 000 000	17 709 000
Real Eastate	0	0	0	105 786 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	4 737 000
Total Tangible Assets	91 000 000	97 000 000	111 000 000	110 523 000
Total Fiancial Fixed Assets	1 564 000 000	1 234 000 000	1 167 000 000	1 031 647 000
Total Fixed Assets	1 691 000 000	1 360 000 000	1 302 000 000	1 159 879 000
Stock	0	0	0	0
Total Investments	2 041 000 000	2 197 000 000	2 323 000 000	1 607 614 000
Cash, Bank	0	0	0	0
Total Current Assets	27 661 000 000	26 345 000 000	25 644 000 000	23 756 547 000
Total Assets	29 443 000 000	27 796 000 000	27 041 000 000	24 916 426 000
Total Equity	4 203 000 000	4 022 000 000	3 770 000 000	3 677 379 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	251 000 000	326 000 000	321 000 000	316 766 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	24 990 000 000	23 449 000 000	22 449 000 000	20 922 282 000
Total Current Debt	24 678 000 000	23 266 000 000	22 724 000 000	20 922 282 000
Total Equity and Debt	29 443 000 000	27 797 000 000	27 041 000 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	10,49 %	10,82 %	8,12 %	14,1 %
Debt-to-Equity Ratio	0,06	0,08	0,09	0,09
Operating Profit Margin	74,97 %	77,59 %	68,06 %	69,57 %
Current Ratio	1,12	1,13	1,13	1,14
Quick Ratio	1,12	1,13	1,13	1,14
Equity Ratio	0,14	0,14	0,14	0,15
Gross Profit Margin	100 %	100 %	100 %	100 %