SPAREBANK 1 FINANS ØSTLANDET AS

2317 HAMAR

Finances

Return on Equity

7,62 %

Current Ratio

1,2

Debt-to-Equity Ratio

0,09

Key figures (NOK)	2022	2021	2020	2019
Revenue	308 598 000	352 203 000	356 944 000	297 674 000
Net Income	146 078 000	199 733 000	126 329 000	118 307 000
Total Assets	11 142 435 000	9 646 543 000	9 159 814 000	8 918 438 000
Total Equity	1 916 153 000	1 719 809 000	1 646 405 000	1 638 383 000

Income (NOK)	2022	2021	2020	2019
Revenue	308 598 000	352 203 000	356 944 000	297 674 000
Expenditure	104 450 000	102 572 000	103 898 000	95 975 000
Operating Profit	204 148 000	268 856 000	253 046 000	201 699 000
Financial Income	0	0	0	0
Financial Costs	8 692 000	8 738 000	84 367 000	43 345 000
Financial Balance	−8 692 000	−8 738 000	−84 367 000	−43 345 000
Earnings Before Tax	195 456 000	260 118 000	168 679 000	158 354 000
Tax	−49 378 000	−60 385 000	−42 350 000	40 047 000
Net Income	146 078 000	199 733 000	126 329 000	118 307 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	293 015 000	227 382 000	149 390 000	170 238 000
Total Current Assets	10 845 698 000	9 419 161 000	9 010 424 000	8 748 200 000
Total Assets	11 142 435 000	9 646 543 000	9 159 814 000	8 918 438 000
Total Retained Equity	146 153 000	199 809 000	126 405 000	118 383 000
Total Equity	1 916 153 000	1 719 809 000	1 646 405 000	1 638 383 000
Total Long-Term Debt	163 885 000	111 938 000	125 989 000	121 063 000
Total Current Debt	9 055 073 000	7 713 559 000	7 311 113 000	7 158 992 000
Total Equity and Debt	11 142 436 000	9 646 543 000	9 159 814 000	8 918 438 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	308 598 000	352 203 000	356 944 000	297 674 000
Cost of Goods Sold	0	0	0	0
Salary Costs	62 677 000	56 361 000	60 239 000	82 335 000
Depreciation	8 545 000	9 858 000	10 026 000	8 424 000
Impairment	0	0	0	0
Expenditure	104 450 000	102 572 000	103 898 000	95 975 000
Operating Profit	204 148 000	268 856 000	253 046 000	201 699 000
Financial Income	0	0	0	0
Financial Costs	8 692 000	8 738 000	84 367 000	43 345 000
Financial Balance	−8 692 000	−8 738 000	−84 367 000	−43 345 000
Dividends	0	0	0	0
Net Income	146 078 000	199 733 000	126 329 000	118 307 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	15 904 000	14 403 000	17 670 000	17 130 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	12 314 000
Total Tangible Assets	7 462 000	9 038 000	10 711 000	12 314 000
Total Fiancial Fixed Assets	269 649 000	203 941 000	121 009 000	140 794 000
Total Fixed Assets	293 015 000	227 382 000	149 390 000	170 238 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	0	0	0	0
Total Current Assets	10 845 698 000	9 419 161 000	9 010 424 000	8 748 200 000
Total Assets	11 142 435 000	9 646 543 000	9 159 814 000	8 918 438 000
Total Equity	1 916 153 000	1 719 809 000	1 646 405 000	1 638 383 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	163 885 000	111 938 000	125 989 000	121 063 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	7 325 000	101 237 000	76 307 000	65 274 000
Total Current Debt	9 055 073 000	7 713 559 000	7 311 113 000	7 158 992 000
Total Equity and Debt	11 142 436 000	9 646 543 000	9 159 814 000	8 918 438 000

Financial indicators	2022	2021	2020	2019
Return on Equity	7,62 %	11,61 %	7,67 %	7,22 %
Debt-to-Equity Ratio	0,09	0,07	0,08	0,07
Operating Profit Margin	66,15 %	76,34 %	70,89 %	67,76 %
Current Ratio	1,2	1,22	1,23	1,22
Quick Ratio	1,2	1,22	1,23	1,22
Equity Ratio	0,17	0,18	0,18	0,18
Gross Profit Margin	100 %	100 %	100 %	100 %