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Five years’ key figures
Five years in main and key figures
| Five financial years, key figures (million DKK) | 2011 | 2010 | 2009 | 2008 | 2007 |
| Total core income | 767 | 758 | 753 | 735 | 696 |
| Total costs and depreciation | -248 | -240 | -238 | -238 | -234 |
| Core earnings before write-downs on loans | 519 | 518 | 515 | 496 | 462 |
| Write-downs on loans etc. | -129 | -138 | -159 | -77 | +11 |
| Core earnings | 390 | 380 | 356 | 419 | 473 |
| Result for portfolio | +1 | +38 | +56 | -73 | -18 |
| Costs national bank package I etc. | -11 | -80 | -107 | -28 | 0 |
| Profit before tax | 380 | 338 | 305 | 318 | 455 |
| Profit after tax | 286 | 257 | 232 | 240 | 348 |
| Shareholders' equity | 2,483 | 2,312 | 2,056 | 1,785 | 1,779 |
| Total capital base | 2,818 | 2,943 | 2,747 | 2,458 | 2,252 |
| Deposits | 12,755 | 11,662 | 11,187 | 9,073 | 9,162 |
| Loans | 12,747 | 13,151 | 13,047 | 13,897 | 14,135 |
| Balance sheet total | 17,549 | 18,247 | 17,928 | 18,002 | 19,634 |
| Guarantees | 1,052 | 1,042 | 1,486 | 2,386 | 4,804 |
| Key figures for the bank (per cent) | |||||
| Pre-tax return on equity, beginning of year | 16.9 | 16.5 | 17.1 | 19.6 | 29.3 |
| Return on equity after tax, beginning of year | 12.7 | 12.5 | 13.0 | 14.7 | 22.4 |
| Rate of costs | 32.4 | 31.6 | 31.6 | 32.4 | 34.6 |
| Core capital ratio (Tier 1) | 19.8 | 18.6 | 16.6 | 13.0 | 11.2 |
| Solvency ratio (Tier 2) | 21.4 | 22.4 | 20.2 | 16.3 | 13.0 |
| Key figures per 5 DKK share (DKK) | |||||
| Core earnings | 79 | 75 | 71 | 83 | 94 |
| Profit before tax | 77 | 67 | 60 | 63 | 90 |
| Profit after tax | 58 | 51 | 46 | 48 | 69 |
| Net asset value incl. proposed dividend etc. | 489 | 459 | 408 | 354 | 353 |
| Price, end of year | 579 | 725 | 609 | 310 | 858 |
| Dividend | 13 | 12 | 0 | 0 | 30 |
The Danish Financial Supervisory Authority's key ratios for Ringkjøbing Landbobank
| 2011 | 2010 | 2009 | 2008 | 2007 | ||
| Solvency ratio | % | 21.4 | 22.4 | 20.2 | 16.3 | 13.0 |
| Core capital ratio | % | 19.8 | 18.6 | 16.6 | 13.0 | 11.2 |
| Pre-tax return on equity | % | 15.9 | 15.5 | 15.9 | 17.9 | 26.1 |
| Return on equity after tax | % | 11.9 | 11.8 | 12.1 | 13.5 | 20.0 |
| Income/cost ratio | DKK | 1.98 | 1.74 | 1.61 | 1.93 | 3.04 |
| Interest risk | % | 0.7 | 0.1 | 0.6 | 1.2 | 1.0 |
| Foreign exchange position | % | 0.9 | 0.5 | 3.4 | 5.6 | 2.1 |
| Foreign exchange risk | % | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 |
| Excess cover relative to statutory liquidity requirements | % | 140.5 | 231.8 | 205.6 | 139.1 | 161.4 |
| Loans and write-downs thereon relative to deposits | % | 105.0 | 117.6 | 120.8 | 157.1 | 157.4 |
| Loans relative to shareholders’ equity | 5.1 | 5.7 | 6.3 | 7.8 | 7.9 | |
| Growth in loans for the year | % | -3.1 | 0.8 | -6.1 | -1.7 | 10.8 |
| Total large exposures | % | 41.7 | 10.2 | 0.0 | 12.1 | 38.3 |
| Cumulative write-down percentage | % | 4.5 | 3.8 | 3.1 | 2.1 | 1.5 |
| Write-down percentage for the year | % | 0.89 | 0.94 | 1.16 | 0.48 | -0.06 |
| Proportion of debts at reduced interest | % | 0.4 | 0.4 | 0.4 | 0.1 | 0.1 |
| Result for the year after tax, per share * / *** | DKK | 1,146.6 | 1,019.3 | 921.0 | 933.8 | 1,324.4 |
| Book value per share * / ** | DKK | 10,055 | 9,193 | 8,172 | 7,382 | 7,053 |
| Dividend per share * | DKK | 262 | 240 | 0 | 0 | 600 |
| Price/result for the year per share * / *** | 10.1 | 14.3 | 13.2 | 6.6 | 13.0 | |
| Price/book value per share * / ** | 1.15 | 1.58 | 1.49 | 0.84 | 2.43 |
*) 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