Ringkjøbing Landbobank (RILBA) Q4 2025 earnings summary

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.