Ringkjøbing Landbobank's quarterly report for the first to third quarters of 2008 remains positive

Core earnings before write-downs amounted to DKK 373 million against DKK 359
million in the same period last year. Write-downs amounted to DKK 29 million,
after which the bank's core earnings were DKK 344 million. Notwithstanding the
costs incurred in connection with the state guarantee scheme, expectations
regarding the core earnings for the year within the range DKK 375-450 million
are maintained. 

1st-3rd quarter - highlights:
- 8% decrease in pre-tax profit to DKK 329 million
- 27% p.a. pre-tax return on equity at beginning of year
- Core earnings before write-downs show an increase of 4% to DKK 373 million.
- Good credit quality still keeping write-downs low at net DKK 29 million
- Rate of costs 31.5, still the lowest in the country 
- Business - deposits up by 7% and loans up by 3%
- Solvency ratio 15.7% - core capital ratio 12.6%
- Participation in the state guarantee scheme means monthly costs of approx.
DKK 5 million 
- The bank's expectations for core earnings in 2008 remains in the range DKK
375-450 million. 

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

Yours sincerely,
Ringkjøbing Landbobank