BIEN SPAREBANK ASA

0250 OSLO

Finances

Return on Equity

11,22 %

Current Ratio

1,1

Debt-to-Equity Ratio

0,11

Key figures (NOK)	2022	2021	2020	2019
Revenue	109 446 000	94 002 000	88 684 000	105 757 000
Net Income	73 183 000	31 768 000	30 252 000	40 416 000
Total Assets	4 959 969 000	4 996 736 000	5 041 464 000	4 964 094 000
Total Equity	652 260 000	522 980 000	509 730 000	420 954 000

Income (NOK)	2022	2021	2020	2019
Revenue	109 446 000	94 002 000	88 684 000	105 757 000
Expenditure	64 638 000	62 459 000	61 746 000	54 098 000
Operating Profit	53 908 000	39 376 000	35 273 000	51 659 000
Financial Income	0	0	0	0
Financial Costs	2 992 000	3 301 000	3 759 000	−134 000
Financial Balance	−2 992 000	−3 301 000	−3 759 000	134 000
Earnings Before Tax	50 916 000	36 075 000	31 514 000	51 793 000
Tax	−8 828 000	−6 610 000	−5 499 000	11 377 000
Net Income	73 183 000	31 768 000	30 252 000	40 416 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	296 952 000	326 806 000	242 011 000	192 754 000
Total Current Assets	4 596 268 000	4 667 732 000	4 797 425 000	4 771 340 000
Total Assets	4 959 969 000	4 996 736 000	5 041 464 000	4 964 094 000
Total Retained Equity	246 180 000	178 833 000	166 896 000	106 807 000
Total Equity	652 260 000	522 980 000	509 730 000	420 954 000
Total Long-Term Debt	69 876 000	73 754 000	51 289 000	81 055 000
Total Current Debt	4 189 123 000	4 356 995 000	4 457 713 000	4 462 087 000
Total Equity and Debt	4 959 969 000	4 996 736 000	5 041 464 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	109 446 000	94 002 000	88 684 000	105 757 000
Cost of Goods Sold	0	0	0	0
Salary Costs	33 322 000	32 544 000	25 894 000	25 061 000
Depreciation	4 319 000	4 442 000	566 000	1 022 000
Impairment	0	0	0	0
Expenditure	64 638 000	62 459 000	61 746 000	54 098 000
Operating Profit	53 908 000	39 376 000	35 273 000	51 659 000
Financial Income	0	0	0	0
Financial Costs	2 992 000	3 301 000	3 759 000	−134 000
Financial Balance	−2 992 000	−3 301 000	−3 759 000	134 000
Dividends	0	0	0	0
Net Income	73 183 000	31 768 000	30 252 000	40 416 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	206 000
Real Eastate	0	0	0	3 465 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	1 286 000
Total Tangible Assets	22 414 000	26 954 000	4 185 000	4 751 000
Total Fiancial Fixed Assets	274 538 000	299 852 000	237 826 000	187 797 000
Total Fixed Assets	296 952 000	326 806 000	242 011 000	192 754 000
Stock	0	0	0	0
Total Investments	631 128 000	885 973 000	900 917 000	526 961 000
Cash, Bank	0	0	0	0
Total Current Assets	4 596 268 000	4 667 732 000	4 797 425 000	4 771 340 000
Total Assets	4 959 969 000	4 996 736 000	5 041 464 000	4 964 094 000
Total Equity	652 260 000	522 980 000	509 730 000	420 954 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	69 876 000	73 754 000	51 289 000	81 055 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	4 136 277 000	4 329 363 000	4 347 832 000	4 218 832 000
Total Current Debt	4 189 123 000	4 356 995 000	4 457 713 000	4 462 087 000
Total Equity and Debt	4 959 969 000	4 996 736 000	5 041 464 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	11,22 %	6,07 %	5,93 %	9,6 %
Debt-to-Equity Ratio	0,11	0,14	0,1	0,19
Operating Profit Margin	49,26 %	41,89 %	39,77 %	48,85 %
Current Ratio	1,1	1,07	1,08	1,07
Quick Ratio	1,1	1,07	1,08	1,07
Equity Ratio	0,13	0,1	0,1	0,08
Gross Profit Margin	100 %	100 %	100 %	100 %