SPAREBANK 1 NORDMØRE

6509 KRISTIANSUND N

Finances

Return on Equity

9,81 %

Current Ratio

1,12

Debt-to-Equity Ratio

0,11

Key figures (NOK)	2022	2021	2020	2019
Revenue	670 451 000	480 012 000	345 912 000	488 608 000
Net Income	345 779 000	150 352 000	122 636 000	220 655 000
Total Assets	27 031 106 000	25 431 287 000	17 274 774 000	15 850 657 000
Total Equity	3 524 359 000	3 210 573 000	2 180 141 000	2 093 308 000

Income (NOK)	2022	2021	2020	2019
Revenue	670 451 000	480 012 000	345 912 000	488 608 000
Expenditure	308 209 000	357 379 000	212 963 000	216 019 000
Operating Profit	423 825 000	209 979 000	161 857 000	272 589 000
Financial Income	0	0	0	0
Financial Costs	27 916 000	35 015 000	20 330 000	21 254 000
Financial Balance	−27 916 000	−35 015 000	−20 330 000	−21 254 000
Earnings Before Tax	395 909 000	174 964 000	141 527 000	251 335 000
Tax	−55 257 000	−26 012 000	−28 324 000	30 082 000
Net Income	345 779 000	150 352 000	122 636 000	220 655 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 242 713 000	1 191 734 000	854 618 000	872 364 000
Total Current Assets	25 708 823 000	24 160 021 000	16 332 562 000	14 978 293 000
Total Assets	27 031 106 000	25 431 287 000	17 274 774 000	15 850 657 000
Total Retained Equity	2 214 743 000	1 940 943 000	1 762 671 000	1 860 838 000
Total Equity	3 524 359 000	3 210 573 000	2 180 141 000	2 093 308 000
Total Long-Term Debt	392 568 000	349 035 000	243 232 000	245 199 000
Total Current Debt	22 982 653 000	21 756 121 000	14 741 775 000	13 512 150 000
Total Equity and Debt	27 031 107 000	25 431 287 000	17 274 775 000	488 409 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	670 451 000	480 012 000	345 912 000	488 608 000
Cost of Goods Sold	0	0	0	0
Salary Costs	145 916 000	127 243 000	100 520 000	112 385 000
Depreciation	22 607 000	22 084 000	21 082 000	12 071 000
Impairment	0	0	0	0
Expenditure	308 209 000	357 379 000	212 963 000	216 019 000
Operating Profit	423 825 000	209 979 000	161 857 000	272 589 000
Financial Income	0	0	0	0
Financial Costs	27 916 000	35 015 000	20 330 000	21 254 000
Financial Balance	−27 916 000	−35 015 000	−20 330 000	−21 254 000
Dividends	0	0	0	0
Net Income	345 779 000	150 352 000	122 636 000	220 655 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	27 157 000	29 457 000	0	0
Real Eastate	0	0	0	177 817 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	3 763 000
Total Tangible Assets	221 169 000	217 456 000	170 150 000	181 580 000
Total Fiancial Fixed Assets	994 387 000	944 821 000	684 468 000	690 784 000
Total Fixed Assets	1 242 713 000	1 191 734 000	854 618 000	872 364 000
Stock	0	0	0	0
Total Investments	1 818 876 000	1 811 462 000	1 061 660 000	1 082 497 000
Cash, Bank	0	0	0	0
Total Current Assets	25 708 823 000	24 160 021 000	16 332 562 000	14 978 293 000
Total Assets	27 031 106 000	25 431 287 000	17 274 774 000	15 850 657 000
Total Equity	3 524 359 000	3 210 573 000	2 180 141 000	2 093 308 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	392 568 000	349 035 000	243 232 000	245 199 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	23 114 180 000	21 871 679 000	14 851 402 000	13 512 150 000
Total Current Debt	22 982 653 000	21 756 121 000	14 741 775 000	13 512 150 000
Total Equity and Debt	27 031 107 000	25 431 287 000	17 274 775 000	488 409 000

Financial indicators	2022	2021	2020	2019
Return on Equity	9,81 %	4,68 %	5,63 %	10,54 %
Debt-to-Equity Ratio	0,11	0,11	0,11	0,12
Operating Profit Margin	63,21 %	43,74 %	46,79 %	55,79 %
Current Ratio	1,12	1,11	1,11	1,11
Quick Ratio	1,12	1,11	1,11	1,11
Equity Ratio	0,13	0,13	0,13	0,13
Gross Profit Margin	100 %	100 %	100 %	100 %