Ringkjøbing Landbobank Income Statement

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	3,405	3,784	3,326	1,866	1,460	1,373
Interest Income on Investments	141.72	118.79	90.21	99.64	77.11	71.24
Total Interest Income	3,546	3,903	3,416	1,965	1,537	1,444
Interest Paid on Deposits	850.34	1,092	785.98	185.17	103.08	120.91
Net Interest Income	2,696	2,811	2,630	1,780	1,434	1,324
Net Interest Income Growth (YoY)	-5.59%	6.88%	47.71%	24.16%	8.34%	6.85%
Gain (Loss) on Sale of Assets	-	-	-	-	5.49	-
Gain (Loss) on Sale of Investments	184.05	217.9	217.22	-101.08	90.24	87.1
Other Non-Interest Income	1,210	1,100	977.95	1,124	920.92	770.31
Total Non-Interest Income	1,394	1,318	1,195	1,023	1,017	857.41
Non-Interest Income Growth (YoY)	4.56%	10.25%	16.85%	0.60%	18.57%	-7.34%
Revenues Before Loan Losses	4,090	4,128	3,825	2,803	2,451	2,181
Provision for Loan Losses	-35.73	-2.8	5.79	12.45	78.63	233.35
Revenue	4,126	4,131	3,819	2,791	2,372	1,948
Revenue Growth (YoY)	-1.55%	8.17%	36.85%	17.66%	21.79%	-5.17%
Occupancy Expenses	35.88	44.48	34.38	35.04	30.29	27.74
Selling, General & Administrative	1,051	1,008	939.12	870.85	790.37	765.93
Other Non-Interest Expense	3.03	10.62	10.04	6.61	7.64	8.11
Total Non-Interest Expense	1,090	1,063	983.46	912.53	828.29	801.8
EBT Excluding Unusual Items	3,036	3,068	2,836	1,878	1,544	1,146
Asset Writedown	-12.22	-6.11	1	2	-5.5	-1.5
Other Unusual Items	7.31	7.31	-	-	-	-
Pretax Income	3,031	3,069	2,837	1,880	1,538	1,144
Income Tax Expense	746.96	768.29	681.45	385.24	308.85	224.6
Net Income	2,284	2,301	2,155	1,495	1,229	919.71
Net Income to Common	2,284	2,301	2,155	1,495	1,229	919.71
Net Income Growth	-4.19%	6.76%	44.17%	21.61%	33.66%	-5.99%
Basic Shares Outstanding	25	26	28	28	29	29
Diluted Shares Outstanding	25	26	28	28	29	29
Shares Change (YoY)	-4.88%	-5.36%	-1.47%	-2.62%	-1.37%	-1.36%
EPS (Basic)	90.61	88.14	78.14	53.40	42.76	31.56
EPS (Diluted)	90.61	88.14	78.14	53.40	42.76	31.56
EPS Growth	0.73%	12.80%	46.33%	24.88%	35.51%	-4.69%
Dividend Per Share	11.000	11.000	10.000	7.000	7.000	7.000
Dividend Growth	10.00%	10.00%	42.86%	-	-	-36.36%
Effective Tax Rate	24.65%	25.03%	24.02%	20.49%	20.08%	19.63%

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