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Ringkjøbing Landbobank
Ringkjøbing Landbobank (RILBA) investor relations material
Ringkjøbing Landbobank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Result after tax reached DKK 2,313 million for 2025, marginally higher than 2024, with EPS up 5.2% to DKK 95.0.
Total core income for 2025 was DKK 4,089 million, a 1% increase year-over-year.
Loans grew by 12.0% year-over-year and 8.0% quarter-over-quarter; deposits rose 8.3% year-over-year and 3.3% quarter-over-quarter.
Credit quality remained strong, with DKK 41 million in reversals for 2025 and net losses at a historical low of -0.01% of total loans.
Return on tangible equity was 22.4% for 2025, reflecting robust profitability.
Financial highlights
Net profit for 2025 was DKK 2,313 million, up from DKK 2,301 million in 2024.
Core earnings reached DKK 3,050 million, with total core income at DKK 4,089 million.
Cost/income ratio improved to 26.4% in 2025, maintaining the lowest level in Denmark.
Loans at year-end were DKK 62.6 billion, deposits DKK 61.3 billion, and equity DKK 11.6 billion.
Liquidity Coverage Ratio (LCR) stood at 180% and Net Stable Funding Ratio (NSFR) at 114% as of December 2025.
Outlook and guidance
Net profit for 2026 is expected in the range of DKK 2.0–2.4 billion.
Capital needs for 2026 are expected to be met, with potential for further capital issues if required.
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Next Ringkjøbing Landbobank earnings date
Q1 202629 Apr, 2026
Ringkjøbing Landbobank
Next Ringkjøbing Landbobank earnings date
Q1 202629 Apr, 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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