JBF SPAREBANK

0160 OSLO

Finances

Return on Equity

10,7 %

Current Ratio

1,08

Debt-to-Equity Ratio

0,07

Key figures (NOK)	2022	2021	2020	2019
Revenue	229 453 000	227 157 000	239 297 000	225 904 000
Net Income	174 205 000	101 357 000	71 380 000	74 011 000
Total Assets	11 711 607 000	11 257 513 000	10 293 557 000	9 536 228 000
Total Equity	1 627 843 000	1 358 925 000	1 265 431 000	1 022 307 000

Income (NOK)	2022	2021	2020	2019
Revenue	229 453 000	227 157 000	239 297 000	225 904 000
Expenditure	162 083 000	135 246 000	154 073 000	130 033 000
Operating Profit	96 782 000	119 325 000	85 224 000	95 871 000
Financial Income	0	0	0	0
Financial Costs	635 000	−1 321 000	−3 995 000	522 000
Financial Balance	−635 000	1 321 000	3 995 000	−522 000
Earnings Before Tax	96 147 000	120 645 000	89 219 000	95 349 000
Tax	−18 107 000	−23 686 000	17 859 000	21 338 000
Net Income	174 205 000	101 357 000	71 380 000	74 011 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 023 647 000	823 606 000	725 692 000	610 182 000
Total Current Assets	10 679 926 000	10 430 921 000	9 567 865 000	8 926 046 000
Total Assets	11 711 607 000	11 257 513 000	10 293 557 000	9 536 228 000
Total Retained Equity	1 340 343 000	1 176 425 000	1 082 931 000	914 807 000
Total Equity	1 627 843 000	1 358 925 000	1 265 431 000	1 022 307 000
Total Long-Term Debt	114 467 000	131 841 000	116 032 000	172 619 000
Total Current Debt	9 911 168 000	9 693 458 000	8 912 094 000	8 341 302 000
Total Equity and Debt	11 711 607 000	11 257 513 000	0	60 233 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	229 453 000	227 157 000	239 297 000	225 904 000
Cost of Goods Sold	0	0	0	0
Salary Costs	75 776 000	73 493 000	69 056 000	66 059 000
Depreciation	3 705 000	4 163 000	415 000	524 000
Impairment	0	0	0	0
Expenditure	162 083 000	135 246 000	154 073 000	130 033 000
Operating Profit	96 782 000	119 325 000	85 224 000	95 871 000
Financial Income	0	0	0	0
Financial Costs	635 000	−1 321 000	−3 995 000	522 000
Financial Balance	−635 000	1 321 000	3 995 000	−522 000
Dividends	0	0	0	0
Net Income	174 205 000	101 357 000	71 380 000	74 011 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	8 506 000	7 048 000
Real Eastate	0	0	0	2 290 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	1 008 000	−867 000
Total Tangible Assets	3 286 000	5 785 000	1 958 000	1 423 000
Total Fiancial Fixed Assets	1 020 361 000	817 821 000	715 228 000	601 711 000
Total Fixed Assets	1 023 647 000	823 606 000	725 692 000	610 182 000
Stock	0	0	0	0
Total Investments	1 796 356 000	1 597 612 000	1 201 094 000	814 170 000
Cash, Bank	0	0	0	0
Total Current Assets	10 679 926 000	10 430 921 000	9 567 865 000	8 926 046 000
Total Assets	11 711 607 000	11 257 513 000	10 293 557 000	9 536 228 000
Total Equity	1 627 843 000	1 358 925 000	1 265 431 000	1 022 307 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	114 467 000	131 841 000	116 032 000	172 619 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	9 967 077 000	9 764 109 000	8 859 812 000	8 339 378 000
Total Current Debt	9 911 168 000	9 693 458 000	8 912 094 000	8 341 302 000
Total Equity and Debt	11 711 607 000	11 257 513 000	0	60 233 000

Financial indicators	2022	2021	2020	2019
Return on Equity	10,7 %	7,46 %	5,64 %	7,24 %
Debt-to-Equity Ratio	0,07	0,1	0,09	0,17
Operating Profit Margin	42,18 %	52,53 %	35,61 %	42,44 %
Current Ratio	1,08	1,08	1,07	1,07
Quick Ratio	1,08	1,08	1,07	1,07
Equity Ratio	0,14	0,12	0,12	0,11
Gross Profit Margin	100 %	100 %	100 %	100 %