SPAREBANK 1 FACTORING AS

6002 ÅLESUND

Finances

Share Ownership

Return on Equity

12,79 %

Current Ratio

13,26

Debt-to-Equity Ratio

0,27

Key figures (NOK)	2022	2021	2020	2019
Revenue	149 592 000	123 550 000	121 256 000	129 323 000
Net Income	72 960 000	54 199 000	53 179 000	58 365 000
Total Assets	3 053 508 000	2 502 064 000	2 102 058 000	2 384 146 000
Total Equity	570 494 000	469 906 000	415 707 000	415 707 000

Income (NOK)	2022	2021	2020	2019
Revenue	149 592 000	123 550 000	121 256 000	129 323 000
Expenditure	52 215 000	49 693 000	49 389 000	52 076 000
Operating Profit	97 377 000	73 857 000	71 867 000	77 247 000
Financial Income	0	0	0	0
Financial Costs	70 000	1 500 000	922 000	−590 000
Financial Balance	−70 000	−1 500 000	−922 000	590 000
Earnings Before Tax	97 307 000	72 357 000	70 945 000	77 837 000
Tax	−24 347 000	−18 158 000	−17 766 000	19 472 000
Net Income	72 960 000	54 199 000	53 179 000	58 365 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	37 093 000	21 454 000	22 791 000	24 316 000
Total Current Assets	3 016 415 000	2 480 610 000	2 079 267 000	3 930 583 000
Total Assets	3 053 508 000	2 502 064 000	2 102 058 000	2 384 146 000
Total Retained Equity	255 925 000	255 337 000	201 138 000	0
Total Equity	570 494 000	469 906 000	415 707 000	415 707 000
Total Long-Term Debt	154 797 000	69 417 000	120 734 000	122 777 000
Total Current Debt	227 421 000	298 891 000	341 130 000	1 845 662 000
Total Equity and Debt	3 053 508 000	2 502 064 000	2 102 058 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	149 592 000	123 550 000	121 256 000	129 323 000
Cost of Goods Sold	0	0	0	0
Salary Costs	37 960 000	38 027 000	37 546 000	39 559 000
Depreciation	2 171 000	1 806 000	1 860 000	2 061 000
Impairment	0	0	0	0
Expenditure	52 215 000	49 693 000	49 389 000	52 076 000
Operating Profit	97 377 000	73 857 000	71 867 000	77 247 000
Financial Income	0	0	0	0
Financial Costs	70 000	1 500 000	922 000	−590 000
Financial Balance	−70 000	−1 500 000	−922 000	590 000
Dividends	0	0	0	0
Net Income	72 960 000	54 199 000	53 179 000	58 365 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	10 245 000
Total Intangible Assets	12 653 000	14 168 000	15 683 000	17 295 000
Real Eastate	0	0	0	4 905 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	623 000
Total Tangible Assets	24 126 000	4 890 000	5 182 000	5 528 000
Total Fiancial Fixed Assets	314 000	2 396 000	1 926 000	1 493 000
Total Fixed Assets	37 093 000	21 454 000	22 791 000	24 316 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	0	0	0	0
Total Current Assets	3 016 415 000	2 480 610 000	2 079 267 000	3 930 583 000
Total Assets	3 053 508 000	2 502 064 000	2 102 058 000	2 384 146 000
Total Equity	570 494 000	469 906 000	415 707 000	415 707 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	154 797 000	69 417 000	120 734 000	122 777 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	2 328 217 000	1 962 741 000	1 565 617 000	1 845 662 000
Total Current Debt	227 421 000	298 891 000	341 130 000	1 845 662 000
Total Equity and Debt	3 053 508 000	2 502 064 000	2 102 058 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	12,79 %	11,53 %	12,79 %	14,04 %
Debt-to-Equity Ratio	0,27	0,15	0,29	0,3
Operating Profit Margin	65,1 %	59,78 %	59,27 %	59,73 %
Current Ratio	13,26	8,3	6,1	2,13
Quick Ratio	13,26	8,3	6,1	2,13
Equity Ratio	0,19	0,19	0,2	0,17
Gross Profit Margin	100 %	100 %	100 %	100 %