SPARESKILLINGSBANKEN

4611 KRISTIANSAND S

Finances

Return on Equity

6,01 %

Current Ratio

1,11

Debt-to-Equity Ratio

0,02

Key figures (NOK)	2022	2021	2020	2019
Revenue	209 096 000	186 444 000	182 967 000	190 080 000
Net Income	87 509 000	86 812 000	57 922 000	74 491 000
Total Assets	11 054 999 000	10 714 514 000	10 090 466 000	9 707 977 000
Total Equity	1 455 887 000	1 373 384 000	1 289 728 000	1 176 240 000

Income (NOK)	2022	2021	2020	2019
Revenue	209 096 000	186 444 000	182 967 000	190 080 000
Expenditure	107 217 000	89 469 000	90 450 000	82 992 000
Operating Profit	118 781 000	112 871 000	96 991 000	107 088 000
Financial Income	0	0	0	0
Financial Costs	7 524 000	8 259 000	29 163 000	7 616 000
Financial Balance	−7 524 000	−8 259 000	−29 163 000	−7 616 000
Earnings Before Tax	111 257 000	104 612 000	67 828 000	99 472 000
Tax	−22 169 000	−17 579 000	−12 256 000	24 981 000
Net Income	87 509 000	86 812 000	57 922 000	74 491 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	359 767 000	313 219 000	254 716 000	402 627 000
Total Current Assets	10 607 773 000	10 309 490 000	9 755 650 000	9 305 350 000
Total Assets	11 054 999 000	10 714 514 000	10 090 466 000	9 707 977 000
Total Retained Equity	1 455 887 000	1 373 384 000	1 289 728 000	1 176 240 000
Total Equity	1 455 887 000	1 373 384 000	1 289 728 000	1 176 240 000
Total Long-Term Debt	26 054 000	20 880 000	13 954 000	831 000
Total Current Debt	9 553 108 000	9 304 636 000	8 770 821 000	8 530 906 000
Total Equity and Debt	11 054 999 000	10 714 514 000	10 090 466 000	479 464 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	209 096 000	186 444 000	182 967 000	190 080 000
Cost of Goods Sold	0	0	0	0
Salary Costs	51 997 000	45 283 000	43 462 000	41 301 000
Depreciation	2 712 000	2 611 000	2 654 000	3 583 000
Impairment	0	0	0	0
Expenditure	107 217 000	89 469 000	90 450 000	82 992 000
Operating Profit	118 781 000	112 871 000	96 991 000	107 088 000
Financial Income	0	0	0	0
Financial Costs	7 524 000	8 259 000	29 163 000	7 616 000
Financial Balance	−7 524 000	−8 259 000	−29 163 000	−7 616 000
Dividends	0	0	0	0
Net Income	87 509 000	86 812 000	57 922 000	74 491 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	485 000	770 000	1 056 000	1 267 000
Real Eastate	0	0	0	38 244 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	2 223 000
Total Tangible Assets	36 156 000	38 099 000	38 852 000	40 467 000
Total Fiancial Fixed Assets	323 126 000	274 350 000	214 808 000	360 893 000
Total Fixed Assets	359 767 000	313 219 000	254 716 000	402 627 000
Stock	0	0	0	0
Total Investments	1 162 558 000	1 002 252 000	929 248 000	649 593 000
Cash, Bank	0	0	0	0
Total Current Assets	10 607 773 000	10 309 490 000	9 755 650 000	9 305 350 000
Total Assets	11 054 999 000	10 714 514 000	10 090 466 000	9 707 977 000
Total Equity	1 455 887 000	1 373 384 000	1 289 728 000	1 176 240 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	26 054 000	20 880 000	13 954 000	831 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	9 568 859 000	9 318 089 000	8 624 999 000	8 529 611 000
Total Current Debt	9 553 108 000	9 304 636 000	8 770 821 000	8 530 906 000
Total Equity and Debt	11 054 999 000	10 714 514 000	10 090 466 000	479 464 000

Financial indicators	2022	2021	2020	2019
Return on Equity	6,01 %	6,32 %	4,49 %	6,33 %
Debt-to-Equity Ratio	0,02	0,02	0,01	0
Operating Profit Margin	56,81 %	60,54 %	53,01 %	56,34 %
Current Ratio	1,11	1,11	1,11	1,09
Quick Ratio	1,11	1,11	1,11	1,09
Equity Ratio	0,13	0,13	0,13	0,12
Gross Profit Margin	100 %	100 %	100 %	100 %