NORDENFJELSKE BYKREDITTS STIFTELSE

7042 TRONDHEIM

Finances

Return on Equity

−6,04 %

Current Ratio

40,11

Debt-to-Equity Ratio

0,03

Key figures (NOK)	2022	2021	2020	2019
Revenue	−46 715 000	118 314 000	63 893 000	74 018 000
Net Income	−51 498 000	111 573 000	57 867 000	68 751 000
Total Assets	903 364 000	964 273 000	863 120 000	813 927 000
Total Equity	851 993 000	918 464 000	816 844 000	767 322 000

Income (NOK)	2022	2021	2020	2019
Revenue	−46 715 000	118 314 000	63 893 000	74 018 000
Expenditure	4 784 000	6 741 000	6 025 000	5 266 000
Operating Profit	−51 499 000	111 573 000	57 867 000	68 752 000
Financial Income	1 000	0	0	0
Financial Costs	0	0	1 000	1 000
Financial Balance	1 000	0	−1 000	−1 000
Earnings Before Tax	−51 498 000	111 573 000	57 867 000	68 751 000
Tax	0	0	0	0
Net Income	−51 498 000	111 573 000	57 867 000	68 751 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	5 000	15 000	24 000	0
Total Current Assets	903 359 000	964 258 000	863 096 000	813 927 000
Total Assets	903 364 000	964 273 000	863 120 000	813 927 000
Total Retained Equity	493 267 000	559 739 000	458 118 000	408 597 000
Total Equity	851 993 000	918 464 000	816 844 000	767 322 000
Total Long-Term Debt	28 847 000	29 932 000	29 282 000	28 643 000
Total Current Debt	22 524 000	15 876 000	16 993 000	17 962 000
Total Equity and Debt	903 364 000	964 273 000	863 120 000	813 927 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	−46 715 000	118 314 000	63 893 000	74 018 000
Revenue	−46 715 000	118 314 000	63 893 000	74 018 000
Cost of Goods Sold	0	0	0	0
Salary Costs	3 708 000	5 248 000	5 184 000	3 664 000
Depreciation	9 000	9 000	3 000	8 000
Impairment	0	0	0	0
Expenditure	4 784 000	6 741 000	6 025 000	5 266 000
Operating Profit	−51 499 000	111 573 000	57 867 000	68 752 000
Financial Income	1 000	0	0	0
Financial Costs	0	0	1 000	1 000
Financial Balance	1 000	0	−1 000	−1 000
Dividends	0	0	0	0
Net Income	−51 498 000	111 573 000	57 867 000	68 751 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	5 000	15 000	24 000	0
Total Tangible Assets	5 000	15 000	24 000	0
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	5 000	15 000	24 000	0
Stock	0	0	0	0
Total Investments	887 423 000	948 127 000	729 059 000	718 314 000
Cash, Bank	14 270 000	16 110 000	83 980 000	94 976 000
Total Current Assets	903 359 000	964 258 000	863 096 000	813 927 000
Total Assets	903 364 000	964 273 000	863 120 000	813 927 000
Total Equity	851 993 000	918 464 000	816 844 000	767 322 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	28 847 000	29 932 000	29 282 000	28 643 000
Creditors	81 000	110 000	37 000	79 000
Unpaid Taxes	21 917 000	15 236 000	16 769 000	17 657 000
Dividends	0	0	0	0
Other Current Debt	526 000	531 000	188 000	226 000
Total Current Debt	22 524 000	15 876 000	16 993 000	17 962 000
Total Equity and Debt	903 364 000	964 273 000	863 120 000	813 927 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−6,04 %	12,15 %	7,08 %	8,96 %
Debt-to-Equity Ratio	0,03	0,03	0,04	0,04
Operating Profit Margin	110,24 %	94,3 %	90,57 %	92,89 %
Current Ratio	40,11	60,74	50,79	45,31
Quick Ratio	40,11	60,74	50,79	45,31
Equity Ratio	0,94	0,95	0,95	0,94
Gross Profit Margin	100 %	100 %	100 %	100 %