REG-Ringkjøbing Landbobank’s quarterly report for the three quarters of 2025

Ringkjoebing Landbobank A/SAnnouncement

22/10/2025 06:45

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Nasdaq Copenhagen
Euronext Dublin
London Stock Exchange
Other stakeholders

22 October 2025

Ringkjøbing Landbobank’s quarterly report for the three quarters of 2025

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

The bank delivers core earnings of DKK 2,321 million and net profit of DKK
1,753 million in the first three quarters of the year. The net profit is
equivalent to a 21% p.a. return on equity.



Core earnings

 (DKK million)                                      Q1-Q3 2025  Q1-Q3 2024  2024   2023   2022   2021   
 Total core income                                  2,090       3,067       4,068  3,828  2,862  2,433  
 Total expenses and depreciation                    534         761         1,044  963    891    817    
 Core earnings before impairment charges for loans  1,556       2,306       3,024  2,865  1,971  1,616  
 Impairment charges for loans etc.                  +24         +2          +3     -1     -2     -68    
 Core earnings                                      1,580       2,308       3,027  2,864  1,969  1,548  
 Result for the portfolio etc.                      -4          +56         +62    -7     -69    +7     
 Amortisation and write-downs on intangible assets  10          15          20     20     20     17     
 Tax                                                375         579         768    682    385    309    
 Net profit                                         1,191       1,770       2,301  2,155  1,495  1,229  



Highlights of the first half of 2025
* The net profit is DKK 1,753 million, equivalent to a 21% p.a. return on
equity
* Earnings per share (net profit) increase by 4% to DKK 71.2 for the first
three quarters of 2025
* Core income is DKK 3,073 million, marginally higher than in the same period
in 2024
* Costs increase by 4%, and the cost/income ratio is 25.6%
* Continued strong credit quality means that impairment charges of DKK 11
million were carried to income in the quarter and that impairment charges in
the first three quarters of 2025 represented income totalling DKK 35 million
* Highly satisfactory increase in customer numbers and growth of 7% p.a. in
loans and 9% p.a. in deposits


Yours sincerely

Ringkjøbing Landbobank

John Fisker
CEO

Attachments
*     RILBA-2025-09-30-en
(https://ml-eu.globenewswire.com/Resource/Download/daf93ae3-345a-47e4-be67-7ed8cc4eb4fe)
  
*     EN Kvartalsrapport - Q3
(https://ml-eu.globenewswire.com/Resource/Download/245d99f4-d1bd-4c30-a09e-90a0b08962f6)