SPAREBANK 1 HALLINGDAL VALDRES

3570 ÅL

Finances

Return on Equity

7,3 %

Current Ratio

1,1

Debt-to-Equity Ratio

0,11

Key figures (NOK)	2022	2021	2020	2019
Revenue	310 020 000	317 662 000	286 295 000	394 095 000
Net Income	130 258 000	166 234 000	116 740 000	209 534 000
Total Assets	14 899 806 000	13 194 248 000	12 243 885 000	11 335 722 000
Total Equity	1 784 048 000	1 705 618 000	1 608 885 000	1 476 210 000

Income (NOK)	2022	2021	2020	2019
Revenue	310 020 000	317 662 000	286 295 000	394 095 000
Expenditure	191 243 000	170 379 000	164 430 000	152 347 000
Operating Profit	168 635 000	207 996 000	151 219 000	241 748 000
Financial Income	0	0	0	0
Financial Costs	11 182 000	12 064 000	13 789 000	−4 826 000
Financial Balance	−11 182 000	−12 064 000	−13 789 000	4 826 000
Earnings Before Tax	157 453 000	195 932 000	137 430 000	246 574 000
Tax	−29 589 000	−27 705 000	−21 425 000	37 040 000
Net Income	130 258 000	166 234 000	116 740 000	209 534 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	950 553 000	900 878 000	754 171 000	797 582 000
Total Current Assets	13 936 820 000	12 280 918 000	11 472 654 000	10 537 640 000
Total Assets	14 899 806 000	13 194 248 000	12 243 885 000	11 335 722 000
Total Retained Equity	965 591 000	887 161 000	790 428 000	657 753 000
Total Equity	1 784 048 000	1 705 618 000	1 608 885 000	1 476 210 000
Total Long-Term Debt	204 475 000	194 532 000	184 098 000	145 920 000
Total Current Debt	12 725 367 000	11 134 216 000	10 379 518 000	9 713 593 000
Total Equity and Debt	14 899 805 000	13 194 249 000	12 243 885 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	310 020 000	317 662 000	286 295 000	394 095 000
Cost of Goods Sold	0	0	0	0
Salary Costs	97 665 000	86 507 000	83 196 000	77 665 000
Depreciation	13 447 000	12 261 000	6 015 000	6 047 000
Impairment	0	0	0	0
Expenditure	191 243 000	170 379 000	164 430 000	152 347 000
Operating Profit	168 635 000	207 996 000	151 219 000	241 748 000
Financial Income	0	0	0	0
Financial Costs	11 182 000	12 064 000	13 789 000	−4 826 000
Financial Balance	−11 182 000	−12 064 000	−13 789 000	4 826 000
Dividends	0	0	0	0
Net Income	130 258 000	166 234 000	116 740 000	209 534 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	6 155 000
Real Eastate	0	0	0	67 500 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	5 622 000
Total Tangible Assets	130 757 000	131 342 000	69 771 000	73 122 000
Total Fiancial Fixed Assets	819 796 000	769 536 000	684 400 000	718 305 000
Total Fixed Assets	950 553 000	900 878 000	754 171 000	797 582 000
Stock	0	0	0	0
Total Investments	606 851 000	476 684 000	447 840 000	472 395 000
Cash, Bank	0	0	0	0
Total Current Assets	13 936 820 000	12 280 918 000	11 472 654 000	10 537 640 000
Total Assets	14 899 806 000	13 194 248 000	12 243 885 000	11 335 722 000
Total Equity	1 784 048 000	1 705 618 000	1 608 885 000	1 476 210 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	204 475 000	194 532 000	184 098 000	145 920 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	12 911 282 000	11 193 899 000	10 350 748 000	9 613 593 000
Total Current Debt	12 725 367 000	11 134 216 000	10 379 518 000	9 713 593 000
Total Equity and Debt	14 899 805 000	13 194 249 000	12 243 885 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	7,3 %	9,75 %	7,26 %	14,19 %
Debt-to-Equity Ratio	0,11	0,11	0,11	0,1
Operating Profit Margin	54,39 %	65,48 %	52,82 %	61,34 %
Current Ratio	1,1	1,1	1,11	1,08
Quick Ratio	1,1	1,1	1,11	1,08
Equity Ratio	0,12	0,13	0,13	0,13
Gross Profit Margin	100 %	100 %	100 %	100 %