Ringkjøbing Landbobank Balance Sheet

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
Cash & Equivalents	4,860	5,844	4,914	4,750	3,459	659
Investment Securities	3,522	3,429	3,510	8,120	8,276	8,035
Trading Asset Securities	-	87.64	102.32	150.67	117.48	185.19
Mortgage-Backed Securities	6,039	4,134	6,246	-	-	-
Total Investments	9,561	7,650	9,858	8,271	8,393	8,220
Gross Loans	60,375	58,334	53,103	50,635	43,382	38,588
Allowance for Loan Losses	-2,307	-2,314	-2,248	-2,211	-2,157	-2,082
Other Adjustments to Gross Loans	-157.68	-182.8	-119.79	-81.18	-97.76	-264.72
Net Loans	57,910	55,837	50,735	48,342	41,127	36,241
Property, Plant & Equipment	231.06	227.09	226.5	231.64	205.96	225.87
Goodwill	923.26	923.26	923.26	923.26	923.26	923.26
Other Intangible Assets	54.77	69.4	88.91	119.91	139.42	111.58
Investments in Real Estate	0.83	0.83	3.67	3.67	8.67	7.67
Accrued Interest Receivable	-	197.46	220.27	132.02	78.37	92.1
Other Receivables	519.3	459.95	458.09	914.02	382.49	3,574
Other Current Assets	19.97	277.86	226.08	294.05	84.27	82.49
Long-Term Deferred Tax Assets	3.11	19.49	20.01	23.03	11.26	17.87
Other Real Estate Owned & Foreclosed	0.1	0.1	0.35	2	5.87	6.37
Other Long-Term Assets	8,190	7,126	5,845	4,973	5,538	4,700
Total Assets	82,274	78,633	73,520	68,980	60,357	54,862
Accrued Expenses	-	-	-	-	-	1.73
Interest Bearing Deposits	22,004	21,143	18,511	13,034	10,995	9,665
Non-Interest Bearing Deposits	37,368	35,509	34,116	35,665	32,745	29,973
Total Deposits	59,371	56,652	52,626	48,700	43,740	39,639
Short-Term Borrowings	723.52	1,105	1,120	1,125	874.18	814.48
Current Portion of Long-Term Debt	972.23	1,571	1,670	2,087	488.8	677.9
Accrued Interest Payable	-	132.94	159.84	62.37	24.75	22.31
Long-Term Debt	8,906	7,393	6,794	7,014	5,744	4,971
Long-Term Unearned Revenue	0.09	0.13	0.24	0.58	1.17	-
Pension & Post-Retirement Benefits	-	-	-	-	2.47	2.56
Other Long-Term Liabilities	906.27	746.02	698.29	695.42	759.57	588.03
Total Liabilities	70,880	67,599	63,068	59,685	51,635	46,716
Common Stock	25.39	26.71	27.49	28.38	29.07	29.23
Retained Earnings	11,369	11,007	10,423	9,266	8,693	8,116
Comprehensive Income & Other	0.47	0.47	0.48	0.39	0.43	0.41
Shareholders' Equity	11,394	11,034	10,451	9,295	8,723	8,146
Total Liabilities & Equity	82,274	78,633	73,520	68,980	60,357	54,862
Total Debt	10,602	10,068	9,584	10,227	7,107	6,463
Net Cash (Debt)	-5,742	-4,136	-4,422	-5,326	-3,478	-5,619
Net Cash Per Share	-227.81	-158.44	-160.32	-190.24	-120.97	-192.78
Filing Date Shares Outstanding	24.62	25.39	26.71	27.55	28.43	29.06
Total Common Shares Outstanding	24.62	25.48	26.73	27.55	28.43	29.06
Book Value Per Share	462.87	433.13	391.02	337.40	306.79	280.29
Tangible Book Value	10,416	10,042	9,439	8,252	7,660	7,111
Tangible Book Value Per Share	423.14	394.17	353.16	299.53	269.42	244.68

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