Ringkjøbing Landbobank A/S
Ringkjøbing Landbobank – interim report 2009

Ringkjøbing Landbobank A/S / 

Release of a Corporate News, transmitted by DGAP - a company of EquityStory
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The bank's pre-tax profit for the first half of 2009 was DKK 155 million,       
equivalent to a 17.4% return on equity at the beginning of the period. In view  
of the costs paid for bank package I, this result is considered satisfactory.   

The core earnings before write-downs were DKK 259 million against last year's   
DKK 251 million, an increase of 3%. Write-downs totalled DKK 69 million, after  
which the bank's core earnings are DKK 190 million. Expectation of core earnings
in the range DKK 250-450 million in 2009 is maintained.                         

The half-year - highlights:                                                     
- Pre-tax profit of DKK 155 million equates to 17.4% p.a. return on equity at   
  beginning of period                                                           
- Profit before bank package I of DKK 200 million equates to 22.4% p.a. return  
  on equity at beginning of period                                              
- 3% increase in core earnings before write-downs                               
- Fall in costs gives a 4% improvement in the rate of costs to 30.3             
- Write-downs at a satisfactory level of DKK 69 million - equal to 0.92% p.a.   
- Costs of bank package I DKK 45 million                                        
- Increase in solvency ratio to 19.6, equivalent to excess solvency of 145%     
- Core capital ratio increased to 15.9 without participation in bank package II 
- The Central Bank's stress tests shows that the bank has a strong foundation   
- Expectation for core earnings in 2009 is maintained                           

Please do not hesitate to contact the bank's management if you have any         
questions.

                              Yours sincerely,

                           Ringkjøbing Landbobank

                      Bent Naur            John Fisker

News Source: NASDAQ OMX

05.08.2009  Financial News transmitted by DGAP
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Language:     English
Issuer:       Ringkjøbing Landbobank A/S
              
               
              Denmark
Phone:        
Fax:          
E-mail:       
Internet:     
ISIN:         DK0003456952
WKN:          
 
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