SEB KORT BANK AB OSLOFILIALEN NORSK AVDELING AV UTENLANDSK FORETAK NUF

0250 OSLO

Finances

Share Ownership

Return on Equity

104,3 %

Current Ratio

1,17

Debt-to-Equity Ratio

0,07

Key figures (NOK)	2022	2021	2020	2019
Revenue	563 298 000	497 350 000	557 356 000	738 303 000
Net Income	180 518 000	128 774 000	104 428 000	233 684 000
Total Assets	4 327 190 000	3 821 332 000	3 612 063 000	5 165 084 000
Total Equity	173 068 000	121 784 000	97 372 000	225 102 000

Income (NOK)	2022	2021	2020	2019
Revenue	563 298 000	497 350 000	557 356 000	738 303 000
Expenditure	341 264 000	352 359 000	343 611 000	338 806 000
Operating Profit	222 034 000	144 991 000	213 745 000	399 497 000
Financial Income	0	0	0	0
Financial Costs	−21 060 000	−27 826 000	72 403 000	85 014 000
Financial Balance	21 060 000	27 826 000	−72 403 000	−85 014 000
Earnings Before Tax	243 094 000	172 817 000	141 342 000	314 483 000
Tax	−62 607 000	−43 161 000	−36 505 000	80 799 000
Net Income	180 518 000	128 774 000	104 428 000	233 684 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	92 623 000	155 154 000	106 906 000	55 169 000
Total Current Assets	4 234 184 000	3 666 178 000	3 505 157 000	5 109 915 000
Total Assets	4 327 190 000	3 821 332 000	3 612 063 000	5 165 084 000
Total Retained Equity	173 068 000	121 784 000	97 372 000	225 102 000
Total Equity	173 068 000	121 784 000	97 372 000	225 102 000
Total Long-Term Debt	12 664 000	15 102 000	15 114 000	15 675 000
Total Current Debt	3 627 410 000	3 238 776 000	3 045 146 000	4 924 307 000
Total Equity and Debt	4 327 189 000	3 821 330 000	3 612 063 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	563 298 000	497 350 000	557 356 000	738 303 000
Cost of Goods Sold	0	0	0	0
Salary Costs	73 058 000	73 685 000	72 598 000	75 906 000
Depreciation	2 335 000	5 970 000	6 639 000	6 639 000
Impairment	0	0	0	0
Expenditure	341 264 000	352 359 000	343 611 000	338 806 000
Operating Profit	222 034 000	144 991 000	213 745 000	399 497 000
Financial Income	0	0	0	0
Financial Costs	−21 060 000	−27 826 000	72 403 000	85 014 000
Financial Balance	21 060 000	27 826 000	−72 403 000	−85 014 000
Dividends	0	0	0	0
Net Income	180 518 000	128 774 000	104 428 000	233 684 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	14 797 000
Total Intangible Assets	0	2 188 000	8 158 000	18 212 000
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	92 623 000	152 966 000	98 748 000	36 957 000
Total Fixed Assets	92 623 000	155 154 000	106 906 000	55 169 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	0	0	0	0
Total Current Assets	4 234 184 000	3 666 178 000	3 505 157 000	5 109 915 000
Total Assets	4 327 190 000	3 821 332 000	3 612 063 000	5 165 084 000
Total Equity	173 068 000	121 784 000	97 372 000	225 102 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	12 664 000	15 102 000	15 114 000	15 675 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	514 047 000	445 668 000	454 431 000	513 964 000
Total Current Debt	3 627 410 000	3 238 776 000	3 045 146 000	4 924 307 000
Total Equity and Debt	4 327 189 000	3 821 330 000	3 612 063 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	104,3 %	105,74 %	107,25 %	103,81 %
Debt-to-Equity Ratio	0,07	0,12	0,16	0,07
Operating Profit Margin	39,42 %	29,15 %	38,35 %	54,11 %
Current Ratio	1,17	1,13	1,15	1,04
Quick Ratio	1,17	1,13	1,15	1,04
Equity Ratio	0,04	0,03	0,03	0,04
Gross Profit Margin	100 %	100 %	100 %	100 %