NÆRINGSBANKEN ASA: årsregnskap 2022 vs 2021
Grew 63% on revenue
registry 2023-07-22; journal 2023 597898
Summary
What changed
Comparing Årsregnskap 2022 with 2021 for NÆRINGSBANKEN ASA. Revenue 94.83m NOK → 154.12m NOK (+62.5%). Net result +41.35m NOK → +34.82m NOK. Equity 670.8k NOK → 727.9k NOK.
On the constructive side: revenue rose; equity strengthened; cash rose. Pressures included: operating result weakened; net result weakened.
Also worth watching: thin equity buffer; payroll increased; book investments changed. All figures are taken from the published annual accounts for NÆRINGSBANKEN ASA.
At a glance
Scorecard
What improved
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↑
Revenue rose
Operating income / revenue moved from 94.83m NOK to 154.12m NOK (+62.5% YoY). Calculated
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↑
Equity strengthened
Book equity 670.8k NOK → 727.9k NOK (equity ratio 0.0% → 0.0%). Calculated
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↑
Cash rose
Bank deposits 245.5k NOK → 346.1k NOK (+41.0% YoY). Calculated
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↑
Owners injected capital
Paid-in equity rose 587.6k NOK → 612.6k NOK (+25.0k NOK). Reported fact
What deteriorated
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↓
Operating result weakened
Operating result +52.81m NOK → +45.63m NOK (op. margin 55.7% → 29.6%). Calculated
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↓
Net result weakened
Net result +41.35m NOK → +34.82m NOK (net margin 43.6% → 22.6%). Calculated
Things to notice
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·
Thin equity buffer
Equity ratio is 0.0% of assets — limited loss-absorbing capacity on a stand-alone basis. Interpretation
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·
Payroll increased
Salary cost 28.22m NOK → 31.10m NOK (30% → 20% of revenue). Calculated
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·
Book investments changed
Investment / intangible book value 0 NOK → 13.81m NOK. Reported fact