REG-Ringkjøbing Landbobank’s annual report for 2025

Ringkjoebing Landbobank A/SAnnouncement

04/02/2026 06:15

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Nasdaq Copenhagen
Euronext Dublin
London Stock Exchange
Other stakeholders

4 February 2025



Ringkjøbing Landbobank’s annual report for 2025

The bank’s board of directors and general management today approved the
annual report for 2025.

For 2025, net profit at the top of the announced expectations for the year is
realized with DKK 2,313 million. The bank is satisfied with this development.



Core earnings

 (DKK million)                                      2025   2024   2023   2022   2021   
 Total core income                                  4,089  4,068  3,828  2,862  2,433  
 Total expenses and depreciation                    1,080  1,044  963    891    817    
 Core earnings before impairment charges for loans  3,009  3,024  2,865  1,971  1,616  
 Impairment charges for loans etc.                  +41    +3     -1     -2     -68    
 Core earnings                                      3,050  3,027  2,864  1,969  1,548  
 Result for the portfolio etc.                      +26    +62    -7     -69    +7     
 Special costs                                      20     20     20     20     17     
 Profit before tax                                  3,056  3,069  2,837  1,880  1,538  
 Profit after tax                                   2,313  2,301  2,155  1,495  1,229  



2025 - highlights
* Net profit for the year is DKK 2,313 million, equivalent to a 22.4% p.a.
return on equity excluding intangible assets
* Earnings per share (EPS) increase by 5% to DKK 95.0 for 2025 compared to DKK
90.3 for 2024
* Core income is DKK 4,089 million and, with an increase of 1%, marginally
higher than in 2024
* Costs increase by 3%, and the cost/income ratio is 26.4%
* Continued strong credit quality means that impairment charges of DKK 6
million were carried to income in the fourth quarter and impairment charges in
2025 thus represent income totalling DKK 41 million
* Highly satisfactory increase in customer numbers and growth of 12% in loans
and 8% in deposits
* Expectations for net profit for 2026 in the range DKK 2.0 - 2.4 billion
Yours faithfully

Ringkjøbing Landbobank

John Fisker
CEO

Attachments
*     RILBA-2025-12-31-en
(https://ml-eu.globenewswire.com/Resource/Download/e624790e-5bc8-472b-90b5-9a21604eedd9)
  
*     Front page for the company announcement 2025 EN
(https://ml-eu.globenewswire.com/Resource/Download/794d2e4d-8cf2-415a-9ab8-873a556e1f6d)
  
*     Annual report 2025
(https://ml-eu.globenewswire.com/Resource/Download/7c03eca0-315e-4b2d-8f8a-ed95d0aafe1a)