SPAREBANK 1 SOGN OG FJORDANE

6800 FØRDE

Finances

Return on Equity

10,3 %

Current Ratio

1,1

Debt-to-Equity Ratio

0,13

Key figures (NOK)	2022	2021	2020	2019
Revenue	1 056 245 000	935 282 000	915 574 000	1 171 690 000
Net Income	671 247 000	632 868 000	440 048 000	565 262 000
Total Assets	49 553 108 000	47 768 387 000	46 020 898 000	43 067 099 000
Total Equity	6 517 769 000	6 052 953 000	5 564 422 000	5 230 899 000

Income (NOK)	2022	2021	2020	2019
Revenue	1 056 245 000	935 282 000	915 574 000	1 171 690 000
Expenditure	476 044 000	452 229 000	465 645 000	463 988 000
Operating Profit	835 616 000	702 963 000	620 310 000	707 702 000
Financial Income	0	0	0	0
Financial Costs	22 892 000	−37 847 000	108 924 000	40 720 000
Financial Balance	−22 892 000	37 847 000	−108 924 000	−40 720 000
Earnings Before Tax	812 723 000	740 809 000	511 386 000	666 983 000
Tax	−141 476 000	−107 942 000	−71 135 000	101 721 000
Net Income	671 247 000	632 868 000	440 048 000	565 262 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	3 970 043 000	2 961 144 000	3 189 215 000	2 813 523 000
Total Current Assets	45 563 993 000	44 784 795 000	42 805 863 000	40 253 576 000
Total Assets	49 553 108 000	47 768 387 000	46 020 898 000	43 067 099 000
Total Retained Equity	3 506 379 000	3 093 565 000	2 657 859 000	2 654 972 000
Total Equity	6 517 769 000	6 052 953 000	5 564 422 000	5 230 899 000
Total Long-Term Debt	861 953 000	829 219 000	795 198 000	710 064 000
Total Current Debt	41 325 981 000	40 517 870 000	39 074 020 000	37 126 136 000
Total Equity and Debt	49 553 108 000	47 768 387 000	46 020 898 000	1 021 969 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	1 056 245 000	935 282 000	915 574 000	1 171 690 000
Cost of Goods Sold	0	0	0	0
Salary Costs	256 320 000	244 044 000	229 413 000	228 291 000
Depreciation	33 216 000	39 317 000	46 778 000	52 074 000
Impairment	0	0	0	0
Expenditure	476 044 000	452 229 000	465 645 000	463 988 000
Operating Profit	835 616 000	702 963 000	620 310 000	707 702 000
Financial Income	0	0	0	0
Financial Costs	22 892 000	−37 847 000	108 924 000	40 720 000
Financial Balance	−22 892 000	37 847 000	−108 924 000	−40 720 000
Dividends	0	0	0	0
Net Income	671 247 000	632 868 000	440 048 000	565 262 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	13 299 000
Total Intangible Assets	13 555 000	23 940 000	37 041 000	45 994 000
Real Eastate	0	0	0	21 164 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	88 308 000
Total Tangible Assets	79 121 000	79 339 000	86 724 000	109 472 000
Total Fiancial Fixed Assets	3 877 367 000	2 857 865 000	3 065 450 000	2 658 057 000
Total Fixed Assets	3 970 043 000	2 961 144 000	3 189 215 000	2 813 523 000
Stock	0	0	0	0
Total Investments	7 259 493 000	8 871 232 000	8 496 664 000	7 133 810 000
Cash, Bank	0	0	0	0
Total Current Assets	45 563 993 000	44 784 795 000	42 805 863 000	40 253 576 000
Total Assets	49 553 108 000	47 768 387 000	46 020 898 000	43 067 099 000
Total Equity	6 517 769 000	6 052 953 000	5 564 422 000	5 230 899 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	861 953 000	829 219 000	795 198 000	710 064 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	41 533 504 000	40 243 859 000	37 737 041 000	36 770 088 000
Total Current Debt	41 325 981 000	40 517 870 000	39 074 020 000	37 126 136 000
Total Equity and Debt	49 553 108 000	47 768 387 000	46 020 898 000	1 021 969 000

Financial indicators	2022	2021	2020	2019
Return on Equity	10,3 %	10,46 %	7,91 %	10,81 %
Debt-to-Equity Ratio	0,13	0,14	0,14	0,14
Operating Profit Margin	79,11 %	75,16 %	67,75 %	60,4 %
Current Ratio	1,1	1,11	1,1	1,08
Quick Ratio	1,1	1,11	1,1	1,08
Equity Ratio	0,13	0,13	0,12	0,12
Gross Profit Margin	100 %	100 %	100 %	100 %