)
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.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.
Next Ringkjøbing Landbobank earnings date
Next Ringkjøbing Landbobank earnings date
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage
)
)