Ringkjøbing Landbobank (RILBA) investor relations material

Executive summary

• Q3 net profit was DKK 617 million, with a 23% p.a. return on equity; Q3 core income reached DKK 1,099 million, up 12% YoY.

• Strong customer growth lifted credit intermediation 12% YoY; FY 2026 net profit expectations moved to the upper end of the DKK 2.2–2.5 billion range.

Financial highlights

• Q1–Q3 net profit was DKK 1,811 million versus DKK 1,753 million; core earnings rose 5% to DKK 2,434 million.

• Q1–Q3 core income was DKK 3,219 million versus DKK 3,073 million; adjusted for a prior-year DKK 65 million one-off sector-share gain, growth was 7%.

• Q1–Q3 net interest income was DKK 1,984 million versus DKK 1,899 million; net fee income rose 11% to DKK 920 million.

• EPS rose 8% to DKK 76.9 for Q1–Q3; Q3 EPS was DKK 26.2, up 14.9% YoY.

• Q1–Q3 impairment reversals totaled DKK 33 million, including DKK 2 million in Q3.

Outlook and guidance

• FY 2026 expected net profit is at the upper end of the DKK 2.2–2.5 billion range, supported by continued growth, higher-than-expected income and strong credit quality.

• FY expense growth is expected to remain ~4% versus 2025.