SPAREBANKEN SØR BOLIGKREDITT AS

4611 KRISTIANSAND S

Finances

Share Ownership

Return on Equity

7,54 %

Current Ratio

1,1

Debt-to-Equity Ratio

0,01

Key figures (NOK)	2022	2021	2020	2019
Revenue	408 614 000	504 779 000	498 004 000	395 768 000
Net Income	335 762 000	314 758 000	305 190 000	231 563 000
Total Assets	63 664 411 000	55 791 872 000	58 942 864 000	44 279 500 000
Total Equity	4 453 438 000	3 731 676 000	3 717 097 000	3 402 198 000

Income (NOK)	2022	2021	2020	2019
Revenue	408 614 000	504 779 000	498 004 000	395 768 000
Expenditure	103 454 000	97 141 000	89 986 000	78 493 000
Operating Profit	305 160 000	407 638 000	408 018 000	317 275 000
Financial Income	0	0	0	0
Financial Costs	15 644 000	1 805 000	1 098 000	3 543 000
Financial Balance	−15 644 000	−1 805 000	−1 098 000	−3 543 000
Earnings Before Tax	289 516 000	405 833 000	406 920 000	313 732 000
Tax	−30 942 000	−101 458 000	101 730 000	78 453 000
Net Income	335 762 000	314 758 000	305 190 000	231 563 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	567 105 000	792 292 000	2 558 483 000	571 583 000
Total Current Assets	63 097 306 000	54 999 580 000	56 384 381 000	43 707 917 000
Total Assets	63 664 411 000	55 791 872 000	58 942 864 000	44 279 500 000
Total Retained Equity	1 878 438 000	1 856 676 000	1 842 097 000	1 777 198 000
Total Equity	4 453 438 000	3 731 676 000	3 717 097 000	3 402 198 000
Total Long-Term Debt	41 317 000	98 387 000	0	0
Total Current Debt	57 304 210 000	51 428 580 000	55 225 767 000	40 877 302 000
Total Equity and Debt	63 664 411 000	55 791 872 000	0	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	408 614 000	504 779 000	498 004 000	395 768 000
Cost of Goods Sold	0	0	0	0
Salary Costs	60 000	54 000	54 000	54 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	103 454 000	97 141 000	89 986 000	78 493 000
Operating Profit	305 160 000	407 638 000	408 018 000	317 275 000
Financial Income	0	0	0	0
Financial Costs	15 644 000	1 805 000	1 098 000	3 543 000
Financial Balance	−15 644 000	−1 805 000	−1 098 000	−3 543 000
Dividends	0	0	0	0
Net Income	335 762 000	314 758 000	305 190 000	231 563 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	19 518 000	24 342 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	0	0	0	0
Total Fiancial Fixed Assets	567 105 000	792 292 000	2 538 965 000	547 241 000
Total Fixed Assets	567 105 000	792 292 000	2 558 483 000	571 583 000
Stock	0	0	0	0
Total Investments	6 458 757 000	5 075 647 000	5 233 812 000	3 108 909 000
Cash, Bank	0	0	0	0
Total Current Assets	63 097 306 000	54 999 580 000	56 384 381 000	43 707 917 000
Total Assets	63 664 411 000	55 791 872 000	58 942 864 000	44 279 500 000
Total Equity	4 453 438 000	3 731 676 000	3 717 097 000	3 402 198 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	41 317 000	98 387 000	0	0
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	55 142 638 000	47 873 241 000	44 829 435 000	36 993 459 000
Total Current Debt	57 304 210 000	51 428 580 000	55 225 767 000	40 877 302 000
Total Equity and Debt	63 664 411 000	55 791 872 000	0	0

Financial indicators	2022	2021	2020	2019
Return on Equity	7,54 %	8,43 %	8,21 %	6,81 %
Debt-to-Equity Ratio	0,01	0,03	0	0
Operating Profit Margin	74,68 %	80,76 %	81,93 %	80,17 %
Current Ratio	1,1	1,07	1,02	1,07
Quick Ratio	1,1	1,07	1,02	1,07
Equity Ratio	0,07	0,07	0,06	0,08
Gross Profit Margin	100 %	100 %	100 %	100 %