SPAREBANK 1 UTVIKLING DA

0181 OSLO

Finances

Return on Equity

1,86 %

Current Ratio

1,26

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	1 683 244 000	1 607 034 000	1 567 219 000	1 379 397 000
Net Income	14 710 000	3 227 000	13 213 000	−13 750 000
Total Assets	1 072 183 000	1 005 882 000	1 084 969 000	1 073 882 000
Total Equity	789 600 000	774 891 000	161 664 000	148 450 000

Income (NOK)	2022	2021	2020	2019
Revenue	1 683 244 000	1 607 034 000	1 567 219 000	1 379 397 000
Expenditure	1 673 030 000	1 596 664 000	1 535 669 000	1 374 312 000
Operating Profit	10 214 000	10 370 000	31 550 000	5 085 000
Financial Income	5 036 000	290 000	748 000	2 130 000
Financial Costs	688 000	7 606 000	17 923 000	20 410 000
Financial Balance	4 348 000	−7 316 000	−17 175 000	−18 280 000
Earnings Before Tax	14 562 000	3 054 000	14 375 000	−13 195 000
Tax	−148 000	−173 000	1 162 000	555 000
Net Income	14 710 000	3 227 000	13 213 000	−13 750 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	718 364 000	668 692 000	742 591 000	780 293 000
Total Current Assets	353 819 000	337 190 000	342 378 000	293 589 000
Total Assets	1 072 183 000	1 005 882 000	1 084 969 000	1 073 882 000
Total Retained Equity	78 134 000	63 425 000	60 198 000	46 984 000
Total Equity	789 600 000	774 891 000	161 664 000	148 450 000
Total Long-Term Debt	2 522 000	2 210 000	611 883 000	611 576 000
Total Current Debt	280 061 000	228 781 000	311 422 000	313 856 000
Total Equity and Debt	1 072 183 000	1 005 882 000	1 084 969 000	1 073 882 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	1 607 034 000	1 567 219 000	0
Other Income	1 683 244 000	0	0	1 379 397 000
Revenue	1 683 244 000	1 607 034 000	1 567 219 000	1 379 397 000
Cost of Goods Sold	0	0	0	0
Salary Costs	564 372 000	520 767 000	481 395 000	0
Depreciation	181 924 000	212 158 000	223 534 000	0
Impairment	1 371 000	37 944 000	42 570 000	0
Expenditure	1 673 030 000	1 596 664 000	1 535 669 000	1 374 312 000
Operating Profit	10 214 000	10 370 000	31 550 000	5 085 000
Financial Income	5 036 000	290 000	748 000	2 130 000
Financial Costs	688 000	7 606 000	17 923 000	20 410 000
Financial Balance	4 348 000	−7 316 000	−17 175 000	−18 280 000
Dividends	0	0	0	0
Net Income	14 710 000	3 227 000	13 213 000	−13 750 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	651 607 000	595 694 000	673 877 000	710 471 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	66 757 000	72 998 000	68 714 000	69 822 000
Total Tangible Assets	66 757 000	72 998 000	68 714 000	69 822 000
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	718 364 000	668 692 000	742 591 000	780 293 000
Stock	0	0	0	0
Total Investments	30 000	30 000	30 000	0
Cash, Bank	171 587 000	166 899 000	190 812 000	129 977 000
Total Current Assets	353 819 000	337 190 000	342 378 000	293 589 000
Total Assets	1 072 183 000	1 005 882 000	1 084 969 000	1 073 882 000
Total Equity	789 600 000	774 891 000	161 664 000	148 450 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	2 522 000	2 210 000	611 883 000	611 576 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	280 061 000	228 768 000	310 685 000	313 852 000
Total Current Debt	280 061 000	228 781 000	311 422 000	313 856 000
Total Equity and Debt	1 072 183 000	1 005 882 000	1 084 969 000	1 073 882 000

Financial indicators	2022	2021	2020	2019
Return on Equity	1,86 %	0,42 %	8,17 %	−9,26 %
Debt-to-Equity Ratio	0	0	3,78	4,12
Operating Profit Margin	0,61 %	0,65 %	2,01 %	0,37 %
Current Ratio	1,26	1,47	1,1	0,94
Quick Ratio	1,26	1,47	1,1	0,94
Equity Ratio	0,74	0,77	0,15	0,14
Gross Profit Margin	100 %	100 %	100 %	100 %