SPAREBANKEN ØST BOLIGKREDITT AS

3017 DRAMMEN

Finances

Share Ownership

Return on Equity

4,39 %

Current Ratio

1,09

Debt-to-Equity Ratio

0,01

Key figures (NOK)	2022	2021	2020	2019
Revenue	100 164 000	159 868 000	144 830 000	119 902 000
Net Income	73 059 000	118 870 000	107 336 000	88 831 000
Total Assets	19 082 705 000	20 734 300 000	18 233 945 000	15 790 339 000
Total Equity	1 663 065 000	1 708 876 000	1 497 385 000	1 278 836 000

Income (NOK)	2022	2021	2020	2019
Revenue	100 164 000	159 868 000	144 830 000	119 902 000
Expenditure	6 376 000	6 066 000	6 660 000	5 463 000
Operating Profit	93 668 000	153 802 000	138 170 000	114 439 000
Financial Income	0	0	0	0
Financial Costs	0	1 404 000	547 000	506 000
Financial Balance	0	−1 404 000	−547 000	−506 000
Earnings Before Tax	93 668 000	152 398 000	137 623 000	113 932 000
Tax	−20 609 000	33 528 000	30 287 000	25 101 000
Net Income	73 059 000	118 870 000	107 336 000	88 831 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	116 575 000	96 620 000	181 498 000	123 571 000
Total Current Assets	18 966 130 000	20 637 680 000	18 052 447 000	15 666 769 000
Total Assets	19 082 705 000	20 734 300 000	18 233 945 000	15 790 339 000
Total Retained Equity	313 075 000	358 886 000	347 395 000	328 846 000
Total Equity	1 663 065 000	1 708 876 000	1 497 385 000	1 278 836 000
Total Long-Term Debt	23 893 000	3 146 000	1 542 000	607 000
Total Current Debt	17 366 101 000	19 022 278 000	16 735 018 000	14 510 895 000
Total Equity and Debt	19 082 708 000	20 734 300 000	0	15 790 339 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	100 164 000	159 868 000	144 830 000	119 902 000
Cost of Goods Sold	0	0	0	0
Salary Costs	0	1 389 000	0	1 164 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	6 376 000	6 066 000	6 660 000	5 463 000
Operating Profit	93 668 000	153 802 000	138 170 000	114 439 000
Financial Income	0	0	0	0
Financial Costs	0	1 404 000	547 000	506 000
Financial Balance	0	−1 404 000	−547 000	−506 000
Dividends	0	0	0	0
Net Income	73 059 000	118 870 000	107 336 000	88 831 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
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	116 575 000	96 620 000	181 498 000	123 571 000
Total Fixed Assets	116 575 000	96 620 000	181 498 000	123 571 000
Stock	0	0	0	0
Total Investments	266 062 000	316 978 000	343 805 000	150 835 000
Cash, Bank	0	0	0	0
Total Current Assets	18 966 130 000	20 637 680 000	18 052 447 000	15 666 769 000
Total Assets	19 082 705 000	20 734 300 000	18 233 945 000	15 790 339 000
Total Equity	1 663 065 000	1 708 876 000	1 497 385 000	1 278 836 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	23 893 000	3 146 000	1 542 000	607 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	16 299 404 000	18 435 064 000	16 282 215 000	13 997 507 000
Total Current Debt	17 366 101 000	19 022 278 000	16 735 018 000	14 510 895 000
Total Equity and Debt	19 082 708 000	20 734 300 000	0	15 790 339 000

Financial indicators	2022	2021	2020	2019
Return on Equity	4,39 %	6,96 %	7,17 %	6,95 %
Debt-to-Equity Ratio	0,01	0	0	0
Operating Profit Margin	93,51 %	96,21 %	95,4 %	95,44 %
Current Ratio	1,09	1,08	1,08	1,08
Quick Ratio	1,09	1,08	1,08	1,08
Equity Ratio	0,09	0,08	0,08	0,08
Gross Profit Margin	100 %	100 %	100 %	100 %