BUSTADKREDITT SOGN OG FJORDANE AS

6800 FØRDE

Finances

Share Ownership

Return on Equity

5,21 %

Current Ratio

1,1

Debt-to-Equity Ratio

0,02

Key figures (NOK)	2022	2021	2020	2019
Revenue	176 678 000	247 985 000	199 036 000	191 197 000
Net Income	118 912 000	183 273 000	145 903 000	140 726 000
Total Assets	28 328 634 000	23 716 815 000	22 382 824 000	19 896 856 000
Total Equity	2 280 444 000	1 944 532 000	1 906 259 000	1 900 356 000

Income (NOK)	2022	2021	2020	2019
Revenue	176 678 000	247 985 000	199 036 000	191 197 000
Expenditure	12 471 000	12 019 000	10 844 000	10 921 000
Operating Profit	164 207 000	235 966 000	188 192 000	180 276 000
Financial Income	0	0	0	0
Financial Costs	11 509 000	1 001 000	1 136 000	−143 000
Financial Balance	−11 509 000	−1 001 000	−1 136 000	143 000
Earnings Before Tax	152 698 000	234 966 000	187 055 000	180 419 000
Tax	−33 786 000	−51 692 000	−41 152 000	39 692 000
Net Income	118 912 000	183 273 000	145 903 000	140 726 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	68 628 000	41 709 000	145 914 000	18 623 000
Total Current Assets	28 260 006 000	23 675 107 000	22 236 910 000	19 878 233 000
Total Assets	28 328 634 000	23 716 815 000	22 382 824 000	19 896 856 000
Total Retained Equity	130 444 000	194 532 000	156 259 000	150 356 000
Total Equity	2 280 444 000	1 944 532 000	1 906 259 000	1 900 356 000
Total Long-Term Debt	35 509 000	49 514 000	42 214 000	0
Total Current Debt	25 670 875 000	21 678 595 000	20 293 681 000	17 996 500 000
Total Equity and Debt	28 328 634 000	23 716 815 000	22 382 824 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	176 678 000	247 985 000	199 036 000	191 197 000
Cost of Goods Sold	0	0	0	0
Salary Costs	46 000	43 000	40 000	37 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	12 471 000	12 019 000	10 844 000	10 921 000
Operating Profit	164 207 000	235 966 000	188 192 000	180 276 000
Financial Income	0	0	0	0
Financial Costs	11 509 000	1 001 000	1 136 000	−143 000
Financial Balance	−11 509 000	−1 001 000	−1 136 000	143 000
Dividends	0	0	0	0
Net Income	118 912 000	183 273 000	145 903 000	140 726 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	1 253 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	0	0	0	0
Total Fiancial Fixed Assets	68 628 000	41 709 000	145 914 000	17 370 000
Total Fixed Assets	68 628 000	41 709 000	145 914 000	18 623 000
Stock	0	0	0	0
Total Investments	207 384 000	233 145 000	295 187 000	111 656 000
Cash, Bank	0	0	0	0
Total Current Assets	28 260 006 000	23 675 107 000	22 236 910 000	19 878 233 000
Total Assets	28 328 634 000	23 716 815 000	22 382 824 000	19 896 856 000
Total Equity	2 280 444 000	1 944 532 000	1 906 259 000	1 900 356 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	35 509 000	49 514 000	42 214 000	0
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	21 694 161 000	20 573 510 000	19 183 688 000	16 841 531 000
Total Current Debt	25 670 875 000	21 678 595 000	20 293 681 000	17 996 500 000
Total Equity and Debt	28 328 634 000	23 716 815 000	22 382 824 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	5,21 %	9,43 %	7,65 %	7,41 %
Debt-to-Equity Ratio	0,02	0,03	0,02	0
Operating Profit Margin	92,94 %	95,15 %	94,55 %	94,29 %
Current Ratio	1,1	1,09	1,1	1,1
Quick Ratio	1,1	1,09	1,1	1,1
Equity Ratio	0,08	0,08	0,09	0,1
Gross Profit Margin	100 %	100 %	100 %	100 %