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Ringkjøbing Landbobank (RILBA) investor relations material
Ringkjøbing Landbobank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net profit after tax for Q1–Q3 2025 was DKK 1,753 million, with EPS up 4% to DKK 71.2 and a 21% annualized return on equity.
Total core income reached DKK 3,073 million, slightly above the same period in 2024, with a cost/income ratio of 25.6%.
Loans increased by 7.5% and deposits by 9.5% year-over-year, reflecting strong customer growth.
Financial highlights
Net interest income for Q1–Q3 2025 was DKK 1,899 million, with net fee and commission income up 9% to DKK 829 million.
Value adjustments contributed DKK 208 million, and total fee, commission, and FX income rose 12% to DKK 924 million.
Core earnings before impairment charges were DKK 2,286 million; after impairment charges, DKK 2,321 million.
Total expenses for Q1–Q3 2025 increased by 3.5%–4% year-over-year to DKK 787–776 million.
Profit before tax was DKK 2,311 million, with an effective tax rate of 24.2%.
Outlook and guidance
Full-year 2025 net profit is expected in the DKK 2.0–2.35 billion range, maintaining the upwardly revised guidance.
Total income for 2025 is expected to be on par with 2024, with cost growth around 4%.
The bank expects its current funding and capital position to cover needs for 2025 and 2026.
Management estimates: credit quality impact?
NII pressure: growth strategy sustainability?
MREL funding: future needs?
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Next Ringkjøbing Landbobank earnings date
Q4 20254 Feb, 2026
Next Ringkjøbing Landbobank earnings date
Q4 20254 Feb, 2026
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Frequently asked questions
Ringkjøbing Landbobank A/S is a Denmark-based regional bank offering a variety of financial services to both private individuals and corporate customers, including small and medium-sized enterprises (SMEs). The bank provides services such as loans, mortgages, pension funds, private banking, investment management, and insurance. It also offers foreign exchange services, online banking, and products tailored for young clients. The bank operates through a network of branches, primarily serving the Jutland region. Additionally, it provides investment opportunities, particularly in the wind turbine sector. The company is headquartered in Ringkøbing, Denmark, and its shares are listed on the NASDAQ Copenhagen.
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