SPAREBANK 1 KREDITT ASA

7011 TRONDHEIM

Finances

Share Ownership

Return on Equity

5,35 %

Current Ratio

1,28

Debt-to-Equity Ratio

0,05

Key figures (NOK)	2022	2021	2020	2019
Revenue	475 410 000	438 193 000	438 016 000	547 703 000
Net Income	80 766 000	109 276 000	−30 920 000	86 928 000
Total Assets	7 858 753 000	5 861 906 000	5 838 875 000	5 817 163 000
Total Equity	1 510 063 000	1 029 272 000	992 198 000	1 023 119 000

Income (NOK)	2022	2021	2020	2019
Revenue	475 410 000	438 193 000	438 016 000	547 703 000
Expenditure	378 091 000	332 054 000	322 744 000	338 770 000
Operating Profit	97 319 000	106 139 000	107 890 000	208 933 000
Financial Income	0	0	0	0
Financial Costs	36 070 000	16 976 000	91 789 000	109 753 000
Financial Balance	−36 070 000	−16 976 000	−91 789 000	−109 753 000
Earnings Before Tax	61 249 000	89 163 000	16 101 000	99 180 000
Tax	−15 390 000	−22 347 000	−3 594 000	24 254 000
Net Income	80 766 000	109 276 000	−30 920 000	86 928 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	207 937 000	199 608 000	220 445 000	251 873 000
Total Current Assets	7 650 816 000	5 662 298 000	5 618 430 000	5 565 290 000
Total Assets	7 858 753 000	5 861 906 000	5 838 875 000	5 817 163 000
Total Retained Equity	214 964 000	134 173 000	97 099 000	128 020 000
Total Equity	1 510 063 000	1 029 272 000	992 198 000	1 023 119 000
Total Long-Term Debt	81 868 000	70 966 000	144 257 000	135 611 000
Total Current Debt	5 986 865 000	4 640 884 000	4 512 484 000	4 658 433 000
Total Equity and Debt	7 858 753 000	5 861 906 000	5 838 875 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	475 410 000	438 193 000	438 016 000	547 703 000
Cost of Goods Sold	0	0	0	0
Salary Costs	86 240 000	65 905 000	55 689 000	47 025 000
Depreciation	34 845 000	69 488 000	110 677 000	119 529 000
Impairment	0	0	−3 691 000	24 426 000
Expenditure	378 091 000	332 054 000	322 744 000	338 770 000
Operating Profit	97 319 000	106 139 000	107 890 000	208 933 000
Financial Income	0	0	0	0
Financial Costs	36 070 000	16 976 000	91 789 000	109 753 000
Financial Balance	−36 070 000	−16 976 000	−91 789 000	−109 753 000
Dividends	0	0	0	0
Net Income	80 766 000	109 276 000	−30 920 000	86 928 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	66 098 000	81 638 000	91 337 000	164 144 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	24 728 000	26 599 000	24 577 000	14 924 000
Total Fiancial Fixed Assets	117 111 000	91 371 000	104 531 000	72 805 000
Total Fixed Assets	207 937 000	199 608 000	220 445 000	251 873 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	0	0	0	0
Total Current Assets	7 650 816 000	5 662 298 000	5 618 430 000	5 565 290 000
Total Assets	7 858 753 000	5 861 906 000	5 838 875 000	5 817 163 000
Total Equity	1 510 063 000	1 029 272 000	992 198 000	1 023 119 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	81 868 000	70 966 000	144 257 000	135 611 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	366 822 000	161 668 000	202 420 000	158 433 000
Total Current Debt	5 986 865 000	4 640 884 000	4 512 484 000	4 658 433 000
Total Equity and Debt	7 858 753 000	5 861 906 000	5 838 875 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	5,35 %	10,62 %	−3,12 %	8,5 %
Debt-to-Equity Ratio	0,05	0,07	0,15	0,13
Operating Profit Margin	20,47 %	24,22 %	24,63 %	38,15 %
Current Ratio	1,28	1,22	1,25	1,19
Quick Ratio	1,28	1,22	1,25	1,19
Equity Ratio	0,19	0,18	0,17	0,18
Gross Profit Margin	100 %	100 %	100 %	100 %