OSLOFJORD SPAREBANK

0160 OSLO

Finances

Return on Equity

9,26 %

Current Ratio

1,3

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	111 372 000	112 389 000	81 548 000	77 370 000
Net Income	47 439 000	54 244 000	24 985 000	30 333 000
Total Assets	4 429 411 000	4 499 027 000	3 853 387 000	3 875 687 000
Total Equity	512 559 000	450 532 000	398 156 000	324 776 000

Income (NOK)	2022	2021	2020	2019
Revenue	111 372 000	112 389 000	81 548 000	77 370 000
Expenditure	50 035 000	42 213 000	51 869 000	44 049 000
Operating Profit	61 337 000	70 176 000	29 679 000	33 321 000
Financial Income	0	0	0	0
Financial Costs	0	0	0	0
Financial Balance	0	0	0	0
Earnings Before Tax	61 337 000	70 176 000	29 679 000	33 321 000
Tax	13 898 000	15 932 000	4 694 000	2 988 000
Net Income	47 439 000	54 244 000	24 985 000	30 333 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	16 797 000	4 499 027 000	3 853 387 000	3 875 687 000
Total Current Assets	4 412 614 000	0	0	0
Total Assets	4 429 411 000	4 499 027 000	3 853 387 000	3 875 687 000
Total Retained Equity	0	450 532 000	398 156 000	324 776 000
Total Equity	512 559 000	450 532 000	398 156 000	324 776 000
Total Long-Term Debt	513 397 000	45 192 000	25 041 000	65 000 000
Total Current Debt	3 403 457 000	4 003 303 000	3 430 191 000	3 485 911 000
Total Equity and Debt	4 429 413 000	4 499 027 000	3 853 388 000	3 875 687 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	106 747 000	112 389 000	81 548 000	77 370 000
Other Income	4 625 000	0	0	0
Revenue	111 372 000	112 389 000	81 548 000	77 370 000
Cost of Goods Sold	0	0	0	0
Salary Costs	25 218 000	22 957 000	34 592 000	32 369 000
Depreciation	646 000	525 000	743 000	806 000
Impairment	588 000	0	0	0
Expenditure	50 035 000	42 213 000	51 869 000	44 049 000
Operating Profit	61 337 000	70 176 000	29 679 000	33 321 000
Financial Income	0	0	0	0
Financial Costs	0	0	0	0
Financial Balance	0	0	0	0
Dividends	0	0	0	0
Net Income	47 439 000	54 244 000	24 985 000	30 333 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	37 000	109 000
Total Intangible Assets	0	4 119 000	3 432 000	2 255 000
Real Eastate	7 480 000	4 912 000	2 747 000	2 747 000
Machinery and Plant Facilities	9 317 000	0	0	0
Fixtures	0	12 445 000	2 832 000	6 496 000
Total Tangible Assets	16 797 000	17 357 000	5 579 000	9 243 000
Total Fiancial Fixed Assets	0	4 477 551 000	3 844 376 000	3 864 189 000
Total Fixed Assets	16 797 000	4 499 027 000	3 853 387 000	3 875 687 000
Stock	0	0	0	0
Total Investments	3 953 580 000	0	0	0
Cash, Bank	459 034 000	0	0	0
Total Current Assets	4 412 614 000	0	0	0
Total Assets	4 429 411 000	4 499 027 000	3 853 387 000	3 875 687 000
Total Equity	512 559 000	450 532 000	398 156 000	324 776 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	513 397 000	45 192 000	25 041 000	65 000 000
Creditors	0	34 416 000	8 753 000	3 556 000
Unpaid Taxes	0	0	0	1 453 000
Dividends	0	0	0	0
Other Current Debt	0	11 962 000	1 397 000	3 705 000
Total Current Debt	3 403 457 000	4 003 303 000	3 430 191 000	3 485 911 000
Total Equity and Debt	4 429 413 000	4 499 027 000	3 853 388 000	3 875 687 000

Financial indicators	2022	2021	2020	2019
Return on Equity	9,26 %	12,04 %	6,28 %	9,34 %
Debt-to-Equity Ratio	1	0,1	0,06	0,2
Operating Profit Margin	55,07 %	62,44 %	36,39 %	43,07 %
Current Ratio	1,3	0	0	0
Quick Ratio	1,3	0	0	0
Equity Ratio	0,12	0,1	0,1	0,08
Gross Profit Margin	100 %	100 %	100 %	100 %