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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.
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.
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