SPAREBANK 1 BOLIGKREDITT AS

4006 STAVANGER

Finances

Share Ownership

Return on Equity

4 %

Current Ratio

1,08

Debt-to-Equity Ratio

0,12

Key figures (NOK)	2022	2021	2020	2019
Revenue	106 612 000	155 485 000	227 376 000	260 461 000
Net Income	513 026 000	170 493 000	230 690 000	168 880 000
Total Assets	287 885 930 000	258 238 820 000	271 286 332 000	245 621 345 000
Total Equity	12 818 388 000	12 418 848 000	12 367 815 000	12 280 868 000

Income (NOK)	2022	2021	2020	2019
Revenue	106 612 000	155 485 000	227 376 000	260 461 000
Expenditure	44 296 000	38 906 000	40 530 000	36 138 000
Operating Profit	62 316 000	116 579 000	186 846 000	224 323 000
Financial Income	0	0	0	0
Financial Costs	16 489 000	−14 960 000	18 429 000	−856 000
Financial Balance	−16 489 000	14 960 000	−18 429 000	856 000
Earnings Before Tax	45 826 000	131 539 000	168 417 000	225 179 000
Tax	−1 179 000	−24 514 000	−29 239 000	56 298 000
Net Income	513 026 000	170 493 000	230 690 000	168 880 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	4 194 258 000	7 796 255 000	21 683 346 000	16 443 652 000
Total Current Assets	283 691 672 000	250 442 566 000	249 602 985 000	229 177 693 000
Total Assets	287 885 930 000	258 238 820 000	271 286 332 000	245 621 345 000
Total Retained Equity	1 119 917 000	720 378 000	669 345 000	862 398 000
Total Equity	12 818 388 000	12 418 848 000	12 367 815 000	12 280 868 000
Total Long-Term Debt	1 554 760 000	1 465 121 000	1 593 754 000	1 444 822 000
Total Current Debt	261 563 287 000	241 415 547 000	256 210 593 000	231 895 655 000
Total Equity and Debt	287 885 930 000	258 238 820 000	271 286 332 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	106 612 000	155 485 000	227 376 000	260 461 000
Cost of Goods Sold	0	0	0	0
Salary Costs	13 822 000	10 701 000	12 465 000	11 780 000
Depreciation	78 000	163 000	359 000	328 000
Impairment	0	0	0	0
Expenditure	44 296 000	38 906 000	40 530 000	36 138 000
Operating Profit	62 316 000	116 579 000	186 846 000	224 323 000
Financial Income	0	0	0	0
Financial Costs	16 489 000	−14 960 000	18 429 000	−856 000
Financial Balance	−16 489 000	14 960 000	−18 429 000	856 000
Dividends	0	0	0	0
Net Income	513 026 000	170 493 000	230 690 000	168 880 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	85 000	188 687 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	2 173 000	3 188 000	4 199 000	0
Total Fiancial Fixed Assets	4 192 085 000	7 793 067 000	21 679 062 000	16 254 965 000
Total Fixed Assets	4 194 258 000	7 796 255 000	21 683 346 000	16 443 652 000
Stock	0	0	0	0
Total Investments	29 426 208 000	26 195 602 000	34 515 412 000	28 067 101 000
Cash, Bank	0	0	0	0
Total Current Assets	283 691 672 000	250 442 566 000	249 602 985 000	229 177 693 000
Total Assets	287 885 930 000	258 238 820 000	271 286 332 000	245 621 345 000
Total Equity	12 818 388 000	12 418 848 000	12 367 815 000	12 280 868 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	1 554 760 000	1 465 121 000	1 593 754 000	1 444 822 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	272 798 054 000	240 462 127 000	240 486 340 000	387 063 000
Total Current Debt	261 563 287 000	241 415 547 000	256 210 593 000	231 895 655 000
Total Equity and Debt	287 885 930 000	258 238 820 000	271 286 332 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	4 %	1,37 %	1,87 %	1,38 %
Debt-to-Equity Ratio	0,12	0,12	0,13	0,12
Operating Profit Margin	58,45 %	74,98 %	82,17 %	86,13 %
Current Ratio	1,08	1,04	0,97	0,99
Quick Ratio	1,08	1,04	0,97	0,99
Equity Ratio	0,04	0,05	0,05	0,05
Gross Profit Margin	100 %	100 %	100 %	100 %