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Five years’ key figures
Five years in main and key figures
| Five financial years, key figures (million DKK) | 2009 | 2008 | 2007 | 2006 | 2005 |
| Total core income | 753 | 735 | 696 | 609 | 511 |
| Total costs and depreciation | -238 | -238 | -234 | -208 | -190 |
| Core earnings before write-downs on loans | 515 | 496 | 462 | 401 | 321 |
| Write-downs on loans etc. | -159 | -77 | +11 | +69 | +5 |
| Core earnings | 356 | 419 | 473 | 470 | 326 |
| Result for portfolio | +56 | -73 | -18 | +103 | 35 |
| Profit before national bank package I etc. | 412 | 346 | 455 | 573 | 361 |
| Costs national bank package I etc. | -107 | -28 | 0 | 0 | 0 |
| Profit before tax | 305 | 318 | 455 | 573 | 361 |
| Profit after tax | 232 | 240 | 348 | 432 | 265 |
| Shareholders' equity | 2,056 | 1,785 | 1,779 | 1,711 | 1,515 |
| Total capital base | 2,747 | 2,458 | 2,252 | 2,190 | 1,716 |
| Deposits | 11,187 | 9,073 | 9,162 | 7,046 | 6,292 |
| Loans | 13,047 | 13,897 | 14,135 | 12,760 | 10,023 |
| Balance sheet total | 17,928 | 18,002 | 19,634 | 17,269 | 13,361 |
| Guarantees | 1,486 | 2,386 | 4,804 | 4,804 | 5,142 |
| Key figures for the bank (per cent) | |||||
| Pre-tax return on equity, beginning of year | 17.1 | 19.6 | 29.3 | 41.8 | 29.2 |
| Return on equity after tax, beginning of year | 13.0 | 14.7 | 22.4 | 31.6 | 21.3 |
| Rate of costs | 31.6 | 32.4 | 34.6 | 35.0 | 38.3 |
| Core capital ratio (Tier 1) | 16.6 | 13.0 | 11.2 | 10.4 | 11.6 |
| Solvency ratio (Tier 2) | 20.2 | 16.3 | 13.0 | 12.3 | 11.6 |
| Key figures per 5 DKK share (DKK) | |||||
| Core earnings | 71 | 83 | 94 | 89 | 62 |
| Profit before tax | 60 | 63 | 90 | 109 | 68 |
| Profit after tax | 46 | 48 | 69 | 82 | 50 |
| Net asset value incl. proposed dividend etc. | 408 | 354 | 353 | 324 | 287 |
| Price, end of year | 609 | 310 | 858 | 1.080 | 750 |
| Dividend | 0 | 0 | 30 | 30 | 28 |
The Danish Financial Supervisory Authority's key ratios for Ringkjøbing Landbobank
| 2009 | 2008 | 2007 | 2006 | 2005 | ||
| Solvency ratio | % | 20.2 | 16.3 | 13.0 | 12.3 | 11.6 |
| Core capital ratio | % | 16.6 | 13.0 | 11.2 | 10.4 | 11.6 |
| Pre-tax return on equity | % | 15.9 | 17.9 | 26.1 | 35.6 | 25.0 |
| Return on equity after tax | % | 12.1 | 13.5 | 20.0 | 26.8 | 18.3 |
| Income/cost ratio | DKK | 1.61 | 1.93 | 3.04 | 5.11 | 2.95 |
| Interest risk | % | 0.6 | 1.2 | 1.0 | 1.6 | 1.7 |
| Foreign exchange position | % | 3.4 | 5.6 | 2.1 | 4.1 | 1.7 |
| Foreign exchange risk | % | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Excess cover relative to statutory liquidity requirements | % | 205.6 | 139.1 | 161.4 | 134.3 | 88.5 |
| Loans and write-downs thereon relative to deposits | % | 120.8 | 157.1 | 157.4 | 185.2 | 164.9 |
| Loans relative to shareholders’ equity | 6.3 | 7.8 | 7.9 | 7.5 | 6.6 | |
| Growth in loans for the year | % | -6.1 | -1.7 | 10.8 | 27.3 | 39.0 |
| Total large exposures | % | 0.0 | 12.1 | 38.3 | 116.1 | 73.3 |
| Cumulative write-down percentage | % | 3.1 | 2.1 | 1.5 | 1.7 | 2.3 |
| Write-down percentage for the year | % | 1.16 | 0.48 | -0.06 | -0.39 | -0.03 |
| Proportion of debts at reduced interest | % | 0.4 | 0.1 | 0.1 | 0.1 | 0.2 |
| Result for the year after tax, per share * / *** | DKK | 921.0 | 933.8 | 1,324.4 | 1,637.8 | 1,002.3 |
| Book value per share * / ** | DKK | 8,172 | 7,382 | 7,053 | 6,631 | 5,862 |
| Dividend per share * | DKK | 0 | 0 | 600 | 600 | 550 |
| Price/result for the year per share * / *** | 13.2 | 6.6 | 13.0 | 13.2 | 15.0 | |
| Price/book value per share * / ** | 1.49 | 0.84 | 2.43 | 3.26 | 2.56 |
*) Calculated on the basis of a share denomination of DKK 100.
**) Calculated on the basis of number of shares outstanding at the end of the year.
***) Calculatede on the basis of the average number of shares.
Hovedkontoret: Ringkjøbing Landbobank | Torvet 1 | 6950 Ringkøbing | Tlf.: 9732 1166 | post@landbobanken.dk