Ringkjøbing Landbobank Income Statement

Financials in millions DKK. Fiscal year is January - December.

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,263	3,297	3,784	3,326	1,866	1,460
Interest Income on Investments	254.4	227.71	118.79	90.21	99.64	77.11
Total Interest Income	3,517	3,524	3,903	3,416	1,965	1,537
Interest Paid on Deposits	744.21	772.39	1,092	785.98	185.17	103.08
Net Interest Income	2,773	2,752	2,811	2,630	1,780	1,434
Net Interest Income Growth (YoY)	0.38%	-2.09%	6.88%	47.71%	24.16%	8.34%
Gain (Loss) on Sale of Assets	-	-	-	-	-	5.49
Gain (Loss) on Sale of Investments	45.97	112.52	217.9	217.22	-101.08	90.24
Other Non-Interest Income	1,278	1,250	1,107	977.95	1,124	920.92
Total Non-Interest Income	1,324	1,362	1,325	1,195	1,023	1,017
Non-Interest Income Growth (YoY)	-2.59%	2.83%	10.86%	16.85%	0.60%	18.57%
Revenues Before Loan Losses	4,097	4,114	4,136	3,825	2,803	2,451
Provision for Loan Losses	-32.62	-41.36	-2.8	5.79	12.45	78.63
Revenue	4,130	4,156	4,139	3,819	2,791	2,372
Revenue Growth (YoY)	-0.46%	0.42%	8.36%	36.85%	17.66%	21.79%
Occupancy Expenses	33.85	34	44.48	34.38	35.04	30.29
Selling, General & Administrative	1,073	1,064	1,008	939.12	870.85	790.37
Other Non-Interest Expense	0.41	0.41	10.62	10.04	6.61	7.64
Total Non-Interest Expense	1,108	1,099	1,063	983.46	912.53	828.29
EBT Excluding Unusual Items	3,022	3,057	3,075	2,836	1,878	1,544
Asset Writedown	-0.6	-0.6	-6.11	1	2	-5.5
Pretax Income	3,022	3,056	3,069	2,837	1,880	1,538
Income Tax Expense	738.55	743.02	768.29	681.45	385.24	308.85
Net Income	2,283	2,313	2,301	2,155	1,495	1,229
Net Income to Common	2,283	2,313	2,301	2,155	1,495	1,229
Net Income Growth	-0.75%	0.55%	6.76%	44.17%	21.61%	33.66%
Basic Shares Outstanding	25	25	26	28	28	29
Diluted Shares Outstanding	25	25	26	28	28	29
Shares Change (YoY)	-3.93%	-4.57%	-5.36%	-1.47%	-2.62%	-1.37%
EPS (Basic)	92.16	92.86	88.14	78.14	53.40	42.76
EPS (Diluted)	92.16	92.86	88.14	78.14	53.40	42.76
EPS Growth	3.31%	5.36%	12.80%	46.33%	24.88%	35.51%
Dividend Per Share	12.000	12.000	11.000	10.000	7.000	7.000
Dividend Growth	9.09%	9.09%	10.00%	42.86%	-	-
Effective Tax Rate	24.44%	24.31%	25.03%	24.02%	20.49%	20.08%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.