Ringkjøbing Landbobank (RILBA) investor relations material

Executive summary

• Net profit after tax reached DKK 1,194 million for H1 2026 and DKK 609 million for Q2 2026, with EPS for H1 2026 at DKK 50.1, up 5% year-over-year, and Q2 2026 EPS at DKK 25.5, up 10% from Q2 2025.

• Loans increased by 13.2% year-over-year to DKK 64,855 million, and deposits rose 11.5% to DKK 65,022 million, reflecting strong business momentum.

• Credit quality remains high, with DKK 31 million in impairment reversals in H1 2026 and robust risk management.

• Moody’s ratings remain strong at Aa3/P-1 with a stable outlook as of June 2026, and the bank crossed the SIFI threshold for the first time.

• Share buyback program of DKK 400 million to be completed soon, with a new DKK 400 million program to follow.

Financial highlights

• Total core income for Q2 2026 was DKK 1,071 million, and for H1 2026, core income was DKK 2,120 million, slightly above H1 2025.

• Net interest income for H1 2026 was DKK 1,306 million, up from DKK 1,281 million in H1 2025.

• Net fee and commission income increased 10% to DKK 621 million.

• Cost/income ratio for H1 2026 was 26.2%, maintaining the lowest level in Denmark.

• Total expenses for H1 2026 increased by 4.0% year-over-year.

Outlook and guidance

• Net profit guidance for 2026 has been raised to DKK 2.2–2.5 billion, reflecting continued growth and strong credit quality.

• Full-year cost growth is expected to remain around 4%.

• The bank anticipates launching a new DKK 400 million share buyback program after completing the current one.