Ringkjøbing Landbobank Due Diligence

Run due diligence on Ringkjøbing Landbobank: check compliance and get alerts when suppliers change.

Denmark · www.landbobanken.dk · 20 vendors

Ringkjøbing Landbobank A/S is a Danish regional and niche bank providing a comprehensive range of banking products and services to private and corporate customers throughout Denmark. These services include retail and commercial banking, mortgage loans, investments, pension funds, and private banking, with a focus on central and western Jutland and specific niches nationwide.

Resilience scores

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Services catalogue

1 service in catalogue across 1 category; runs on 20 sub-vendors.

Insights

Last updated 2026-09-13 · revision 6

20 direct vendors, 210 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

7 in-scope frameworks identified; showing 3.

EU Banking Regulations — No public evidence

NIS2 (source) — No public evidence

GDPR (source) — No public evidence

Financials

Three-year financials

Financial Resilience Score: 9/10

Ringkjøbing Landbobank consistently demonstrates excellent financial resilience, underpinned by strong capitalisation, robust asset quality, and sound liquidity management. Capitalisation: The bank maintains very strong capital ratios, significantly above regulatory requirements. CET1 Ratio (Common Equity Tier 1): Typically reported well above 17-18% (e.g., ~18.5% as of end-2022), which is substantially higher than the minimum regulatory requirements and the average for Danish banks. This provides a substantial buffer against unexpected losses. Total Capital Ratio: Also very strong, often exceeding 20% (e.g., ~21.5% as of end-2022). Asset Quality: The bank exhibits high asset quality with a low level of non-performing loans (NPLs). NPL Ratio: Historically very low, often below 1% (e.g., ~0.5% as of end-2022), indicating prudent lending practices and a healthy loan book. Loan Loss Provisions: The bank maintains adequate provisions for potential credit losses, which have historically been low due to the strong asset quality. Profitability: Consistent and strong profitability (as shown in the 3-year data) allows the bank to generate capital internally, further enhancing its resilience and ability to absorb shocks. Return on Equity (ROE) is typically high, often exceeding 15% (e.g., ~16% in 2022). Liquidity: Ringkjøbing Landbobank maintains a strong liquidity position, with liquidity coverage ratios (LCR) and net stable funding ratios (NSFR) well above regulatory minimums. This ensures the bank can meet its short-term and long-term funding obligations even under stressed conditions. Diversification: While geographically concentrated, the bank's income streams are reasonably diversified between net interest income and fee income, reducing reliance on a single source. The bank's conservative risk appetite, strong capital buffers, and high asset quality position it very well to withstand economic downturns and navigate challenging market conditions.

Key strengths: Strong Capitalisation, Robust Asset Quality, Sound Liquidity Management, Consistent Profitability, Diversified Income Streams

Risk factors: Geographic Concentration

Revenue by geography

Revenue by product/service

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