Ringkjøbing Bank A/S
Quarterly report for the period 1 January to 30 September 2008

Ringkjøbing Bank A/S / 

Release of a Corporate News, transmitted by DGAP - a company of EquityStory
AG.
The issuer / publisher is solely responsible for the content of this announcement.
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Today the board of directors of Ringkjøbing Bank has considered and adopted the
bank's quarterly report for the period 1 January to 30 September 2008. 

Summary:

- Core earnings before write-downs show increase of 14%

- The core earnings, which are the earnings from the bank operation, fell by
52.9% to DKK 50.4 million 

- Profit before tax of DKK 17.0 million against DKK 105.2 million relative to
last year 

- Return on equity before tax of 2.7% p.a. against 18.2% p.a. for the same
period last year 

- Change in the total business volume in the form of loans (+0%), deposits
(+6%) and guarantees (-14%) 

- Net interest and income from fees rose by 8.5% to DKK 244.3 million 

- Negative value adjustments amount to DKK 25.0 million against positive DKK
8.8 million in the same period last year 

- Write-downs on loans are DKK 64.9 million against an income of DKK 6.0
million in the same period last year 

- Solvency on 14.3

- Excess cover in relation to legal requirement on liquidity 119%     
  
- Expectations to the annual result is reduced to DKK 50 million 

- Negotiations about merger with Vestjysk Bank 

For further information please contact:
Preben Knudsgaard, Managing Director, Tel.: +45 99753200
Kaj Damgaard, Director - Investor Relations, Tel.: +45 99753231

News Source: NASDAQ OMX

29.10.2008  Financial News transmitted by DGAP
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Language:     English
Issuer:       Ringkjøbing Bank A/S
              
               
              Denmark
Phone:        
Fax:          
E-mail:       
Internet:     
ISIN:         DK0010300193
WKN:          
 
End of News                                     DGAP News-Service
 
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