Ringkjøbing Landbobank - Quarterly Report 1st - 3rd quarter 2007

Continuing good level of activity and growing business volume increase core
earnings before write-downs by 19% - upward adjustment made to core earnings as
of August 2007 remains in range DKK 450-500 million for the full year. 

The bank's core earnings before write-downs increased from DKK 300 million in
2006 to DKK 359 million in 2007. There is also a net reverse entry of
write-downs of DKK 14 million, following which the core earnings for the first
three quarters amount to DKK 373 million. 

1st-3rd quarter - highlights:
- 19% increase in core earnings before write-downs from DKK 300 million to DKK
359 million 
- Good credit quality resulting in reversal of net DKK 14 million in write-downs
- Profit before tax of DKK 358 million gives a 31% p.a. pre-tax return on
equity at beginning of year 
- Rate of costs 32.9%
- Continuing strong increase in business - loans up by 23% and deposits up by
37% 
- Solvency ratio at 13.9% - core capital ratio at 12.3%
- 150,000 own shares reserved for later reduction of the share capital
- Upwardly adjusted interval for core earnings as of August 2007 remains DKK
450-500 million 

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

Yours sincerely,
Ringkjøbing Landbobank