LANDKREDITT BOLIGKREDITT AS

0162 OSLO

Finances

Share Ownership

Return on Equity

2,67 %

Current Ratio

1,14

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	20 252 000	44 699 000	39 723 000	25 769 000
Net Income	15 290 000	34 298 000	30 445 000	19 394 000
Total Assets	4 873 437 000	4 709 785 000	5 008 683 000	4 428 093 000
Total Equity	572 032 000	556 741 000	522 445 000	391 999 000

Income (NOK)	2022	2021	2020	2019
Revenue	20 252 000	44 699 000	39 723 000	25 769 000
Expenditure	649 000	728 000	788 000	765 000
Operating Profit	19 603 000	43 971 000	38 935 000	25 004 000
Financial Income	0	0	0	0
Financial Costs	23 000	−105 000	282 000	281 000
Financial Balance	−23 000	105 000	−282 000	−281 000
Earnings Before Tax	19 580 000	44 076 000	38 653 000	24 723 000
Tax	−4 308 000	−9 696 000	−8 428 000	5 329 000
Net Income	15 290 000	34 298 000	30 445 000	19 394 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	31 000	434 000	0	153 000
Total Current Assets	4 873 406 000	4 709 351 000	5 008 683 000	4 427 940 000
Total Assets	4 873 437 000	4 709 785 000	5 008 683 000	4 428 093 000
Total Retained Equity	0	0	0	141 903 000
Total Equity	572 032 000	556 741 000	522 445 000	391 999 000
Total Long-Term Debt	1 557 000	10 000	108 000	38 000
Total Current Debt	4 293 664 000	4 142 404 000	4 477 295 000	4 036 056 000
Total Equity and Debt	4 873 436 000	4 709 784 000	5 008 683 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	20 252 000	44 699 000	39 723 000	25 769 000
Cost of Goods Sold	0	0	0	0
Salary Costs	21 000	14 000	14 000	14 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	649 000	728 000	788 000	765 000
Operating Profit	19 603 000	43 971 000	38 935 000	25 004 000
Financial Income	0	0	0	0
Financial Costs	23 000	−105 000	282 000	281 000
Financial Balance	−23 000	105 000	−282 000	−281 000
Dividends	0	0	0	0
Net Income	15 290 000	34 298 000	30 445 000	19 394 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	153 000
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	31 000	434 000	0	0
Total Fixed Assets	31 000	434 000	0	153 000
Stock	0	0	0	0
Total Investments	40 435 000	34 853 000	34 992 000	19 835 000
Cash, Bank	0	0	0	0
Total Current Assets	4 873 406 000	4 709 351 000	5 008 683 000	4 427 940 000
Total Assets	4 873 437 000	4 709 785 000	5 008 683 000	4 428 093 000
Total Equity	572 032 000	556 741 000	522 445 000	391 999 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	1 557 000	10 000	108 000	38 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	4 120 781 000	4 018 492 000	4 306 219 000	3 738 569 000
Total Current Debt	4 293 664 000	4 142 404 000	4 477 295 000	4 036 056 000
Total Equity and Debt	4 873 436 000	4 709 784 000	5 008 683 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	2,67 %	6,16 %	5,83 %	4,95 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	96,8 %	98,37 %	98,02 %	97,03 %
Current Ratio	1,14	1,14	1,12	1,1
Quick Ratio	1,14	1,14	1,12	1,1
Equity Ratio	0,12	0,12	0,1	0,09
Gross Profit Margin	100 %	100 %	100 %	100 %