ROGALAND SPAREBANK BOLIGKREDITT AS

4306 SANDNES

Finances

Share Ownership

Return on Equity

4,7 %

Current Ratio

1,08

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	73 294 000	96 821 000	77 355 000	58 148 000
Net Income	47 382 000	64 031 000	44 966 000	31 707 000
Total Assets	12 988 423 000	10 576 666 000	9 576 667 000	9 025 785 000
Total Equity	1 008 280 000	640 899 000	611 868 000	566 902 000

Income (NOK)	2022	2021	2020	2019
Revenue	73 294 000	96 821 000	77 355 000	58 148 000
Expenditure	13 600 000	13 371 000	18 718 000	18 069 000
Operating Profit	59 694 000	83 450 000	58 637 000	40 079 000
Financial Income	0	0	0	0
Financial Costs	−1 056 000	1 359 000	1 274 000	−889 000
Financial Balance	1 056 000	−1 359 000	−1 274 000	889 000
Earnings Before Tax	60 750 000	82 091 000	57 363 000	40 968 000
Tax	13 368 000	18 060 000	12 397 000	9 261 000
Net Income	47 382 000	64 031 000	44 966 000	31 707 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	15 610 000	45 229 000	167 096 000	61 908 000
Total Current Assets	12 972 813 000	10 531 437 000	9 409 571 000	8 963 877 000
Total Assets	12 988 423 000	10 576 666 000	9 576 667 000	9 025 785 000
Total Retained Equity	0	0	0	0
Total Equity	1 008 280 000	640 899 000	611 868 000	566 902 000
Total Long-Term Debt	0	32 000	543 000	0
Total Current Debt	11 980 143 000	9 935 735 000	8 964 255 000	8 458 881 000
Total Equity and Debt	12 988 423 000	10 576 666 000	9 576 666 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	73 294 000	96 821 000	77 355 000	58 148 000
Cost of Goods Sold	0	0	0	0
Salary Costs	95 000	143 000	144 000	40 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	13 600 000	13 371 000	18 718 000	18 069 000
Operating Profit	59 694 000	83 450 000	58 637 000	40 079 000
Financial Income	0	0	0	0
Financial Costs	−1 056 000	1 359 000	1 274 000	−889 000
Financial Balance	1 056 000	−1 359 000	−1 274 000	889 000
Dividends	0	0	0	0
Net Income	47 382 000	64 031 000	44 966 000	31 707 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	958 000	0	0	24 000
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	14 652 000	45 229 000	167 096 000	61 884 000
Total Fixed Assets	15 610 000	45 229 000	167 096 000	61 908 000
Stock	0	0	0	0
Total Investments	874 099 000	558 608 000	473 292 000	795 395 000
Cash, Bank	0	0	0	0
Total Current Assets	12 972 813 000	10 531 437 000	9 409 571 000	8 963 877 000
Total Assets	12 988 423 000	10 576 666 000	9 576 667 000	9 025 785 000
Total Equity	1 008 280 000	640 899 000	611 868 000	566 902 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	32 000	543 000	0
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	11 980 143 000	9 889 488 000	8 827 162 000	8 431 181 000
Total Current Debt	11 980 143 000	9 935 735 000	8 964 255 000	8 458 881 000
Total Equity and Debt	12 988 423 000	10 576 666 000	9 576 666 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	4,7 %	9,99 %	7,35 %	5,59 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	81,44 %	86,19 %	75,8 %	68,93 %
Current Ratio	1,08	1,06	1,05	1,06
Quick Ratio	1,08	1,06	1,05	1,06
Equity Ratio	0,08	0,06	0,06	0,06
Gross Profit Margin	100 %	100 %	100 %	100 %