SPAREBANKSTIFTELSEN SPAREBANKEN SØR

4611 KRISTIANSAND S

Finances

Return on Equity

3,83 %

Current Ratio

3,86

Debt-to-Equity Ratio

0,01

Key figures (NOK)	2022	2021	2020	2019
Revenue	0	0	0	0
Net Income	173 185 000	119 446 000	92 333 000	13 611 000
Total Assets	4 682 542 000	1 081 957 000	977 671 000	897 459 000
Total Equity	4 519 027 000	954 140 000	867 094 000	810 261 000

Income (NOK)	2022	2021	2020	2019
Revenue	0	0	0	0
Expenditure	9 468 000	2 942 000	2 371 000	2 763 000
Operating Profit	−9 468 000	−2 942 000	−2 371 000	−2 763 000
Financial Income	184 010 000	122 861 000	96 113 000	18 512 000
Financial Costs	1 357 000	472 000	1 409 000	2 139 000
Financial Balance	182 653 000	122 389 000	94 704 000	16 373 000
Earnings Before Tax	173 185 000	119 446 000	92 333 000	13 611 000
Tax	0	0	0	0
Net Income	173 185 000	119 446 000	92 333 000	13 611 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	4 181 286 000	715 584 000	715 584 000	715 584 000
Total Current Assets	501 256 000	366 372 000	262 087 000	181 875 000
Total Assets	4 682 542 000	1 081 957 000	977 671 000	897 459 000
Total Retained Equity	455 025 000	353 340 000	266 294 000	209 461 000
Total Equity	4 519 027 000	954 140 000	867 094 000	810 261 000
Total Long-Term Debt	33 532 000	48 492 000	56 072 000	0
Total Current Debt	129 983 000	79 325 000	54 505 000	87 198 000
Total Equity and Debt	4 682 542 000	1 081 957 000	977 671 000	897 459 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	0	0	0	0
Cost of Goods Sold	0	0	0	0
Salary Costs	1 496 000	568 000	493 000	486 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	9 468 000	2 942 000	2 371 000	2 763 000
Operating Profit	−9 468 000	−2 942 000	−2 371 000	−2 763 000
Financial Income	184 010 000	122 861 000	96 113 000	18 512 000
Financial Costs	1 357 000	472 000	1 409 000	2 139 000
Financial Balance	182 653 000	122 389 000	94 704 000	16 373 000
Dividends	0	0	0	0
Net Income	173 185 000	119 446 000	92 333 000	13 611 000

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	4 181 286 000	715 584 000	715 584 000	715 584 000
Total Fixed Assets	4 181 286 000	715 584 000	715 584 000	715 584 000
Stock	0	0	0	0
Total Investments	277 777 000	298 087 000	170 934 000	167 991 000
Cash, Bank	19 312 000	4 370 000	8 070 000	13 857 000
Total Current Assets	501 256 000	366 372 000	262 087 000	181 875 000
Total Assets	4 682 542 000	1 081 957 000	977 671 000	897 459 000
Total Equity	4 519 027 000	954 140 000	867 094 000	810 261 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	33 532 000	48 492 000	56 072 000	0
Creditors	721 000	145 000	135 000	105 000
Unpaid Taxes	519 000	94 000	92 000	81 000
Dividends	0	0	0	0
Other Current Debt	128 743 000	79 086 000	54 277 000	27 012 000
Total Current Debt	129 983 000	79 325 000	54 505 000	87 198 000
Total Equity and Debt	4 682 542 000	1 081 957 000	977 671 000	897 459 000

Financial indicators	2022	2021	2020	2019
Return on Equity	3,83 %	12,52 %	10,65 %	1,68 %
Debt-to-Equity Ratio	0,01	0,05	0,06	0
Operating Profit Margin	-	-	-	-
Current Ratio	3,86	4,62	4,81	2,09
Quick Ratio	3,86	4,62	4,81	2,09
Equity Ratio	0,97	0,88	0,89	0,9
Gross Profit Margin	-	-	-	-