SPAREBANK 1 FINANS MIDT-NORGE AS

7011 TRONDHEIM

Finances

Return on Equity

10,82 %

Current Ratio

1,16

Debt-to-Equity Ratio

0,13

Key figures (NOK)	2022	2021	2020	2019
Revenue	361 319 000	384 921 000	348 821 000	287 200 000
Net Income	163 605 000	200 221 000	162 381 000	114 112 000
Total Assets	12 239 303 000	10 470 206 000	9 598 319 000	8 861 461 000
Total Equity	1 511 379 000	1 407 177 000	1 343 415 000	1 294 503 000

Income (NOK)	2022	2021	2020	2019
Revenue	361 319 000	384 921 000	348 821 000	287 200 000
Expenditure	115 875 000	146 807 000	85 604 000	84 985 000
Operating Profit	245 444 000	238 114 000	263 217 000	202 215 000
Financial Income	0	0	0	0
Financial Costs	30 047 000	24 916 000	48 945 000	52 272 000
Financial Balance	−30 047 000	−24 916 000	−48 945 000	−52 272 000
Earnings Before Tax	215 397 000	213 198 000	214 272 000	149 943 000
Tax	−51 792 000	−12 977 000	51 891 000	35 831 000
Net Income	163 605 000	200 221 000	162 381 000	114 112 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	127 950 000	116 433 000	114 549 000	19 657 000
Total Current Assets	12 109 517 000	10 352 077 000	9 483 770 000	8 841 804 000
Total Assets	12 239 303 000	10 470 206 000	9 598 319 000	8 861 461 000
Total Retained Equity	201 032 000	224 240 000	160 478 000	111 566 000
Total Equity	1 511 379 000	1 407 177 000	1 343 415 000	1 294 503 000
Total Long-Term Debt	201 503 000	189 991 000	198 601 000	193 275 000
Total Current Debt	10 431 914 000	8 716 297 000	8 056 304 000	7 373 684 000
Total Equity and Debt	12 239 304 000	10 470 206 000	9 598 320 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	361 319 000	384 921 000	348 821 000	287 200 000
Cost of Goods Sold	0	0	0	0
Salary Costs	63 724 000	67 316 000	50 336 000	41 548 000
Depreciation	2 320 000	28 428 000	4 977 000	4 371 000
Impairment	0	0	0	0
Expenditure	115 875 000	146 807 000	85 604 000	84 985 000
Operating Profit	245 444 000	238 114 000	263 217 000	202 215 000
Financial Income	0	0	0	0
Financial Costs	30 047 000	24 916 000	48 945 000	52 272 000
Financial Balance	−30 047 000	−24 916 000	−48 945 000	−52 272 000
Dividends	0	0	0	0
Net Income	163 605 000	200 221 000	162 381 000	114 112 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	1 817 000	2 867 000	4 634 000	8 399 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	8 822 000	9 607 000	10 438 000	11 217 000
Total Fiancial Fixed Assets	117 311 000	103 959 000	99 477 000	41 000
Total Fixed Assets	127 950 000	116 433 000	114 549 000	19 657 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	0	0	0	0
Total Current Assets	12 109 517 000	10 352 077 000	9 483 770 000	8 841 804 000
Total Assets	12 239 303 000	10 470 206 000	9 598 319 000	8 861 461 000
Total Equity	1 511 379 000	1 407 177 000	1 343 415 000	1 294 503 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	201 503 000	189 991 000	198 601 000	193 275 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	209 519 000	260 022 000	191 594 000	174 956 000
Total Current Debt	10 431 914 000	8 716 297 000	8 056 304 000	7 373 684 000
Total Equity and Debt	12 239 304 000	10 470 206 000	9 598 320 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	10,82 %	14,23 %	12,09 %	8,82 %
Debt-to-Equity Ratio	0,13	0,14	0,15	0,15
Operating Profit Margin	67,93 %	61,86 %	75,46 %	70,41 %
Current Ratio	1,16	1,19	1,18	1,2
Quick Ratio	1,16	1,19	1,18	1,2
Equity Ratio	0,12	0,13	0,14	0,15
Gross Profit Margin	100 %	100 %	100 %	100 %