LANDKREDITT BANK AS

0162 OSLO

Finances

Return on Equity

5,75 %

Current Ratio

1,12

Debt-to-Equity Ratio

0,08

Key figures (NOK)	2022	2021	2020	2019
Revenue	506 141 000	500 122 000	458 144 000	462 411 000
Net Income	193 996 000	198 422 000	181 329 000	192 052 000
Total Assets	32 238 031 000	31 631 535 000	30 484 111 000	28 763 198 000
Total Equity	3 375 060 000	3 166 196 000	2 980 839 000	2 615 808 000

Income (NOK)	2022	2021	2020	2019
Revenue	506 141 000	500 122 000	458 144 000	462 411 000
Expenditure	266 658 000	250 772 000	239 700 000	209 108 000
Operating Profit	241 753 000	249 350 000	223 071 000	253 303 000
Financial Income	0	0	0	0
Financial Costs	−1 992 000	−7 348 000	0	7 167 000
Financial Balance	1 992 000	7 348 000	0	−7 167 000
Earnings Before Tax	243 745 000	256 698 000	223 071 000	246 136 000
Tax	−58 988 000	−57 302 000	−48 916 000	54 084 000
Net Income	193 996 000	198 422 000	181 329 000	192 052 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	193 077 000	198 180 000	197 631 000	180 409 000
Total Current Assets	31 921 583 000	31 358 212 000	30 215 680 000	28 582 789 000
Total Assets	32 238 031 000	31 631 535 000	30 484 111 000	28 763 198 000
Total Retained Equity	1 762 110 000	1 587 046 000	1 401 689 000	1 235 808 000
Total Equity	3 375 060 000	3 166 196 000	2 980 839 000	2 615 808 000
Total Long-Term Debt	278 788 000	281 748 000	276 000 000	470 329 000
Total Current Debt	28 412 933 000	28 028 081 000	27 058 970 000	25 677 061 000
Total Equity and Debt	32 238 031 000	31 631 535 000	30 484 111 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	506 141 000	500 122 000	458 144 000	462 411 000
Cost of Goods Sold	0	0	0	0
Salary Costs	152 350 000	141 408 000	194 432 000	108 995 000
Depreciation	22 759 000	21 735 000	21 794 000	22 864 000
Impairment	0	0	0	0
Expenditure	266 658 000	250 772 000	239 700 000	209 108 000
Operating Profit	241 753 000	249 350 000	223 071 000	253 303 000
Financial Income	0	0	0	0
Financial Costs	−1 992 000	−7 348 000	0	7 167 000
Financial Balance	1 992 000	7 348 000	0	−7 167 000
Dividends	0	0	0	0
Net Income	193 996 000	198 422 000	181 329 000	192 052 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	34 273 000	30 992 000	31 565 000	33 502 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	77 109 000
Total Tangible Assets	51 561 000	54 791 000	67 465 000	77 109 000
Total Fiancial Fixed Assets	107 243 000	112 397 000	98 601 000	69 798 000
Total Fixed Assets	193 077 000	198 180 000	197 631 000	180 409 000
Stock	0	0	0	0
Total Investments	2 432 492 000	3 739 340 000	2 583 974 000	2 399 436 000
Cash, Bank	0	0	0	0
Total Current Assets	31 921 583 000	31 358 212 000	30 215 680 000	28 582 789 000
Total Assets	32 238 031 000	31 631 535 000	30 484 111 000	28 763 198 000
Total Equity	3 375 060 000	3 166 196 000	2 980 839 000	2 615 808 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	278 788 000	281 748 000	276 000 000	470 329 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	28 583 917 000	28 183 325 000	27 226 884 000	25 676 721 000
Total Current Debt	28 412 933 000	28 028 081 000	27 058 970 000	25 677 061 000
Total Equity and Debt	32 238 031 000	31 631 535 000	30 484 111 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	5,75 %	6,27 %	6,08 %	7,34 %
Debt-to-Equity Ratio	0,08	0,09	0,09	0,18
Operating Profit Margin	47,76 %	49,86 %	48,69 %	54,78 %
Current Ratio	1,12	1,12	1,12	1,11
Quick Ratio	1,12	1,12	1,12	1,11
Equity Ratio	0,1	0,1	0,1	0,09
Gross Profit Margin	100 %	100 %	100 %	100 %