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Ringkjøbing Landbobank (RILBA) investor relations material
Ringkjøbing Landbobank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Net profit after tax reached DKK 1,191 million for H1 2025, up slightly from H1 2024, with EPS up 6% to DKK 47.9.
Return on equity stood at 21.4%, and the cost/income ratio improved to 25.6%.
Credit quality remained strong, with DKK 24 million in reversals in Q1 and zero impairments in Q2.
Loans increased by 1.5% sequentially and 9% year-over-year; deposits rose 2.5% sequentially and 8% year-over-year.
Awarded Financial Institution of the Year for the 10th consecutive year.
Financial highlights
Net interest income for H1 2025 was DKK 1,274 million, down from DKK 1,363 million in H1 2024.
Net fee and commission income increased to DKK 565 million, up 11% year-over-year.
Total core income reached DKK 2,090 million, up 2% year-over-year.
Total expenses rose 5.2% year-over-year to DKK 534 million.
Balance sheet total reached DKK 81,065 million, up from DKK 75,616 million a year earlier.
Outlook and guidance
Net profit guidance for 2025 was raised to DKK 2,000–2,350 million, reflecting strong credit quality and low impairments.
Full-year income is expected to match 2024 levels, with cost growth forecast at 4%.
Guidance remains subject to financial market and macroeconomic developments.
What is driving the increase in IT expenses?
Assess geopolitical risks on business customers.
Why was DKK 31 million extraordinarily carried to income?
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Next Ringkjøbing Landbobank earnings date
Q3 202522 Oct, 2025
Next Ringkjøbing Landbobank earnings date
Q3 202522 Oct, 2025
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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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