SPAREBANKFORENINGEN I NORGE

0253 OSLO

Finances

Return on Equity

30,68 %

Current Ratio

1,45

Debt-to-Equity Ratio

Key figures (NOK)	2022	2020	2019	2018
Revenue	50 713 000	46 647 000	48 723 000	46 404 000
Net Income	1 834 000	−1 466 000	−631 000	351 000
Total Assets	19 172 000	7 345 000	7 206 000	12 012 000
Total Equity	5 977 000	5 254 000	6 720 000	7 351 000

Income (NOK)	2022	2020	2019	2018
Revenue	50 713 000	46 647 000	48 723 000	46 404 000
Expenditure	49 028 000	48 195 000	47 900 000	46 178 000
Operating Profit	1 685 000	−1 548 000	823 000	226 000
Financial Income	413 000	82 000	155 000	124 000
Financial Costs	264 000	0	1 608 000	0
Financial Balance	149 000	82 000	−1 453 000	124 000
Earnings Before Tax	1 834 000	−1 466 000	−631 000	351 000
Tax	0	0	0	0
Net Income	1 834 000	−1 466 000	−631 000	351 000

Balance (NOK)	2022	2020	2019	2018
Total Fixed Assets	10 000	10 000	10 000	110 000
Total Current Assets	19 162 000	7 335 000	7 196 000	11 902 000
Total Assets	19 172 000	7 345 000	7 206 000	12 012 000
Total Retained Equity	5 977 000	5 254 000	6 720 000	7 351 000
Total Equity	5 977 000	5 254 000	6 720 000	7 351 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	13 194 000	2 090 000	486 000	4 661 000
Total Equity and Debt	19 172 000	7 345 000	7 206 000	12 012 000

Cash flow (NOK)	2022	2020	2019	2018
Sales Income	47 427 000	0	0	0
Other Income	3 286 000	46 647 000	48 723 000	46 404 000
Revenue	50 713 000	46 647 000	48 723 000	46 404 000
Cost of Goods Sold	0	0	0	0
Salary Costs	475 000	612 000	541 000	465 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	49 028 000	48 195 000	47 900 000	46 178 000
Operating Profit	1 685 000	−1 548 000	823 000	226 000
Financial Income	413 000	82 000	155 000	124 000
Financial Costs	264 000	0	1 608 000	0
Financial Balance	149 000	82 000	−1 453 000	124 000
Dividends	0	0	0	0
Net Income	1 834 000	−1 466 000	−631 000	351 000

Balance details (NOK)	2022	2020	2019	2018
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
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	10 000	10 000	10 000	110 000
Total Fixed Assets	10 000	10 000	10 000	110 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	579 000	6 227 000	4 749 000	8 492 000
Total Current Assets	19 162 000	7 335 000	7 196 000	11 902 000
Total Assets	19 172 000	7 345 000	7 206 000	12 012 000
Total Equity	5 977 000	5 254 000	6 720 000	7 351 000
Short-Term Group Debt	12 687 000	0	0	0
Total Long-Term Debt	0	0	0	0
Creditors	39 000	0	0	38 000
Unpaid Taxes	469 000	314 000	285 000	259 000
Dividends	0	0	0	0
Other Current Debt	0	1 776 000	201 000	4 364 000
Total Current Debt	13 194 000	2 090 000	486 000	4 661 000
Total Equity and Debt	19 172 000	7 345 000	7 206 000	12 012 000

Financial indicators	2022	2020	2019	2018
Return on Equity	30,68 %	−27,9 %	−9,39 %	4,77 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	3,32 %	−3,32 %	1,69 %	0,49 %
Current Ratio	1,45	3,51	14,81	2,55
Quick Ratio	1,45	3,51	14,81	2,55
Equity Ratio	0,31	0,72	0,93	0,61
Gross Profit Margin	100 %	100 %	100 %	100 %