VERD BOLIGKREDITT AS

5011 BERGEN

Finances

Share Ownership

Return on Equity

3,44 %

Current Ratio

1,09

Debt-to-Equity Ratio

0,15

Key figures (NOK)	2022	2021	2020	2019
Revenue	64 810 000	68 282 000	55 966 000	53 263 000
Net Income	41 919 000	42 087 000	33 507 000	34 963 000
Total Assets	18 617 389 000	12 295 215 000	10 891 914 000	9 953 882 000
Total Equity	1 218 217 000	719 924 000	588 777 000	610 873 000

Income (NOK)	2022	2021	2020	2019
Revenue	64 810 000	68 282 000	55 966 000	53 263 000
Expenditure	11 346 000	13 137 000	11 165 000	9 198 000
Operating Profit	53 464 000	55 145 000	44 801 000	44 065 000
Financial Income	0	0	0	0
Financial Costs	226 000	981 000	2 190 000	0
Financial Balance	−226 000	−981 000	−2 190 000	0
Earnings Before Tax	53 238 000	54 164 000	42 611 000	44 065 000
Tax	−10 820 000	−11 450 000	−8 853 000	9 102 000
Net Income	41 919 000	42 087 000	33 507 000	34 963 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	3 540 000	2 004 000	5 334 000	10 000
Total Current Assets	18 613 849 000	12 293 211 000	10 886 580 000	9 953 872 000
Total Assets	18 617 389 000	12 295 215 000	10 891 914 000	9 953 882 000
Total Retained Equity	107 217 000	79 924 000	63 777 000	85 873 000
Total Equity	1 218 217 000	719 924 000	588 777 000	610 873 000
Total Long-Term Debt	184 187 000	81 770 000	78 881 000	70 182 000
Total Current Debt	17 076 091 000	11 422 582 000	10 154 206 000	9 272 827 000
Total Equity and Debt	18 617 387 000	12 295 215 000	10 891 914 000	9 953 882 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	94 325 000
Other Income	0	0	0	−41 062 000
Revenue	64 810 000	68 282 000	55 966 000	53 263 000
Cost of Goods Sold	0	0	0	0
Salary Costs	7 610 000	9 486 000	7 284 000	5 598 000
Depreciation	396 000	188 000	0	0
Impairment	0	0	0	0
Expenditure	11 346 000	13 137 000	11 165 000	9 198 000
Operating Profit	53 464 000	55 145 000	44 801 000	44 065 000
Financial Income	0	0	0	0
Financial Costs	226 000	981 000	2 190 000	0
Financial Balance	−226 000	−981 000	−2 190 000	0
Dividends	0	0	0	0
Net Income	41 919 000	42 087 000	33 507 000	34 963 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	2 510 000	1 794 000	347 000	10 000
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	1 030 000	210 000	4 987 000	0
Total Fixed Assets	3 540 000	2 004 000	5 334 000	10 000
Stock	0	0	0	0
Total Investments	1 350 102 000	806 326 000	583 721 000	414 418 000
Cash, Bank	0	0	0	9 539 454 000
Total Current Assets	18 613 849 000	12 293 211 000	10 886 580 000	9 953 872 000
Total Assets	18 617 389 000	12 295 215 000	10 891 914 000	9 953 882 000
Total Equity	1 218 217 000	719 924 000	588 777 000	610 873 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	184 187 000	81 770 000	78 881 000	70 182 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	15 637 483 000	10 362 017 000	9 227 499 000	12 386 000
Total Current Debt	17 076 091 000	11 422 582 000	10 154 206 000	9 272 827 000
Total Equity and Debt	18 617 387 000	12 295 215 000	10 891 914 000	9 953 882 000

Financial indicators	2022	2021	2020	2019
Return on Equity	3,44 %	5,85 %	5,69 %	5,72 %
Debt-to-Equity Ratio	0,15	0,11	0,13	0,11
Operating Profit Margin	82,49 %	80,76 %	80,05 %	82,73 %
Current Ratio	1,09	1,08	1,07	1,07
Quick Ratio	1,09	1,08	1,07	1,07
Equity Ratio	0,07	0,06	0,05	0,06
Gross Profit Margin	100 %	100 %	100 %	100 %