EKSPRESS BANK

0250 OSLO

Finances

Share Ownership

Return on Equity

21 %

Current Ratio

1,29

Debt-to-Equity Ratio

5,46

Key figures (NOK)	2022	2021	2020	2019
Revenue	70 112 000	102 338 000	154 682 000	173 083 000
Net Income	9 688 000	9 091 000	−64 027 000	−14 095 000
Total Assets	1 311 773 000	1 790 544 000	2 174 942 000	2 737 495 000
Total Equity	46 123 000	39 882 000	27 635 000	198 197 000

Income (NOK)	2022	2021	2020	2019
Revenue	70 112 000	102 338 000	154 682 000	173 083 000
Expenditure	80 131 000	74 741 000	83 602 000	50 974 000
Operating Profit	−10 019 000	27 597 000	71 080 000	122 109 000
Financial Income	0	0	0	0
Financial Costs	−19 845 000	18 350 000	134 939 000	135 990 000
Financial Balance	19 845 000	−18 350 000	−134 939 000	−135 990 000
Earnings Before Tax	9 826 000	9 247 000	−63 859 000	−13 881 000
Tax	−138 000	−156 000	−168 000	214 000
Net Income	9 688 000	9 091 000	−64 027 000	−14 095 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	15 903 000	25 614 000	147 316 000	160 999 000
Total Current Assets	1 295 870 000	1 764 930 000	2 027 626 000	2 576 496 000
Total Assets	1 311 773 000	1 790 544 000	2 174 942 000	2 737 495 000
Total Retained Equity	−30 076 000	−36 317 000	−48 564 000	31 998 000
Total Equity	46 123 000	39 882 000	27 635 000	198 197 000
Total Long-Term Debt	251 767 000	253 061 000	249 544 000	253 795 000
Total Current Debt	1 004 777 000	1 486 978 000	1 853 584 000	2 285 503 000
Total Equity and Debt	1 311 773 000	1 790 544 000	2 174 942 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	70 112 000	102 338 000	154 682 000	173 083 000
Cost of Goods Sold	0	0	0	0
Salary Costs	56 560 000	53 124 000	62 448 000	34 383 000
Depreciation	3 214 000	2 777 000	1 393 000	325 000
Impairment	0	0	0	0
Expenditure	80 131 000	74 741 000	83 602 000	50 974 000
Operating Profit	−10 019 000	27 597 000	71 080 000	122 109 000
Financial Income	0	0	0	0
Financial Costs	−19 845 000	18 350 000	134 939 000	135 990 000
Financial Balance	19 845 000	−18 350 000	−134 939 000	−135 990 000
Dividends	0	0	0	0
Net Income	9 688 000	9 091 000	−64 027 000	−14 095 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	2 309 000	4 424 000	6 043 000	2 524 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	1 930 000	347 000	1 178 000	144 000
Total Fiancial Fixed Assets	11 664 000	20 843 000	140 095 000	158 331 000
Total Fixed Assets	15 903 000	25 614 000	147 316 000	160 999 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	0	0	0	0
Total Current Assets	1 295 870 000	1 764 930 000	2 027 626 000	2 576 496 000
Total Assets	1 311 773 000	1 790 544 000	2 174 942 000	2 737 495 000
Total Equity	46 123 000	39 882 000	27 635 000	198 197 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	251 767 000	253 061 000	249 544 000	253 795 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	9 106 000	10 623 000	44 179 000	8 620 000
Total Current Debt	1 004 777 000	1 486 978 000	1 853 584 000	2 285 503 000
Total Equity and Debt	1 311 773 000	1 790 544 000	2 174 942 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	21 %	22,79 %	−231,69 %	−7,11 %
Debt-to-Equity Ratio	5,46	6,35	9,03	1,28
Operating Profit Margin	−14,29 %	26,97 %	45,95 %	70,55 %
Current Ratio	1,29	1,19	1,09	1,13
Quick Ratio	1,29	1,19	1,09	1,13
Equity Ratio	0,04	0,02	0,01	0,07
Gross Profit Margin	100 %	100 %	100 %	100 %