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

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 2025Q1-Q3 20242024202320222021Total core income2,0903,0674,0683,8282,8622,433Total expenses and depreciation5347611,044963891817Core earnings before impairment charges for loans1,5562,3063,0242,8651,9711,616Impairment charges for loans etc.+24+2+3-1-2-68Core earnings1,5802,3083,0272,8641,9691,548Result for the portfolio etc.-4+56+62-7-69+7Amortisation and write-downs on intangible assets101520202017Tax375579768682385309Net profit1,1911,7702,3012,1551,4951,229

Highlights of the first half of 2025

The net profit is DKK 1,753 million, equivalent to a 21% p.a. return on equityEarnings per share (net profit) increase by 4% to DKK 71.2 for the first three quarters of 2025Core income is DKK 3,073 million, marginally higher than in the same period in 2024Costs 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 millionHighly 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-enEN Kvartalsrapport - Q3