SAMARBEIDENDE SPAREBANKER AS

0183 OSLO

Finances

Return on Equity

14,2 %

Current Ratio

32,53

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	3 683 000	111 347 000	107 025 000	130 495 000
Net Income	325 781 000	585 744 000	534 581 000	713 404 000
Total Assets	2 296 420 000	2 312 925 000	2 307 990 000	1 745 401 000
Total Equity	2 294 962 000	2 289 808 000	2 273 448 000	1 721 117 000

Income (NOK)	2022	2021	2020	2019
Revenue	3 683 000	111 347 000	107 025 000	130 495 000
Expenditure	1 615 000	113 635 000	104 902 000	127 888 000
Operating Profit	2 068 000	−2 288 000	2 123 000	2 607 000
Financial Income	325 121 000	590 303 000	534 658 000	716 264 000
Financial Costs	0	20 000	25 000	24 000
Financial Balance	325 121 000	590 283 000	534 633 000	716 240 000
Earnings Before Tax	327 189 000	587 996 000	536 756 000	718 847 000
Tax	1 407 000	2 252 000	2 175 000	5 443 000
Net Income	325 781 000	585 744 000	534 581 000	713 404 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	2 249 031 000	2 243 634 000	2 245 286 000	1 707 116 000
Total Current Assets	47 389 000	69 291 000	62 704 000	38 285 000
Total Assets	2 296 420 000	2 312 925 000	2 307 990 000	1 745 401 000
Total Retained Equity	1 459 052 000	1 453 882 000	1 453 536 000	1 096 206 000
Total Equity	2 294 962 000	2 289 808 000	2 273 448 000	1 721 117 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	1 457 000	23 117 000	34 542 000	24 284 000
Total Equity and Debt	2 296 420 000	2 312 925 000	2 307 990 000	1 745 401 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	3 683 000	111 347 000	107 025 000	130 495 000
Revenue	3 683 000	111 347 000	107 025 000	130 495 000
Cost of Goods Sold	0	79 210 000	71 384 000	99 581 000
Salary Costs	0	26 771 000	23 470 000	22 028 000
Depreciation	0	352 000	0	0
Impairment	0	0	0	0
Expenditure	1 615 000	113 635 000	104 902 000	127 888 000
Operating Profit	2 068 000	−2 288 000	2 123 000	2 607 000
Financial Income	325 121 000	590 303 000	534 658 000	716 264 000
Financial Costs	0	20 000	25 000	24 000
Financial Balance	325 121 000	590 283 000	534 633 000	716 240 000
Dividends	0	0	0	0
Net Income	325 781 000	585 744 000	534 581 000	713 404 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	11 097 000	455 000	824 000
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	2 249 031 000	2 232 537 000	2 244 831 000	1 706 292 000
Total Fixed Assets	2 249 031 000	2 243 634 000	2 245 286 000	1 707 116 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	40 741 000	38 427 000	30 963 000	18 338 000
Total Current Assets	47 389 000	69 291 000	62 704 000	38 285 000
Total Assets	2 296 420 000	2 312 925 000	2 307 990 000	1 745 401 000
Total Equity	2 294 962 000	2 289 808 000	2 273 448 000	1 721 117 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	0	0	0
Creditors	14 000	7 476 000	22 271 000	5 168 000
Unpaid Taxes	0	1 764 000	1 791 000	1 591 000
Dividends	0	0	0	0
Other Current Debt	36 000	11 200 000	8 674 000	11 322 000
Total Current Debt	1 457 000	23 117 000	34 542 000	24 284 000
Total Equity and Debt	2 296 420 000	2 312 925 000	2 307 990 000	1 745 401 000

Financial indicators	2022	2021	2020	2019
Return on Equity	14,2 %	25,58 %	23,51 %	41,45 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	56,15 %	−2,05 %	1,98 %	2 %
Current Ratio	32,53	3	1,82	1,58
Quick Ratio	32,53	3	1,82	1,58
Equity Ratio	1	0,99	0,99	0,99
Gross Profit Margin	100 %	28,86 %	33,3 %	23,69 %