RINGKJØBING LANDBOBANK. AKTIESELSKAB

Ringkjøbing Landbobank A/S (Aktieselskab) is a Danish joint-stock bank headquartered in Ringkøbing with a footprint concentrated in Jutland and selected Danish cities. The bank operates as a universal bank for households and small to mid-sized businesses, offering current and savings accounts, payments, cards, consumer and car finance, and business lending, along with investment and pension advisory services and private banking; residential mortgages are typically distributed via external mortgage institutions under the standard Danish model. Following its 2018 combination with Nordjyske Bank, it continues to use established regional brands in its core markets. Digital channels include online and mobile banking with MitID authentication, and the bank supports widely used Danish payment solutions such as MobilePay. For corporate and SME clients, it provides working capital facilities, collateralised lending, leasing partnerships, and cash management, with foreign exchange and trade-related services available for firms with cross-border needs. Ringkjøbing Landbobank is listed on Nasdaq Copenhagen and is subject to supervision by the Danish Financial Supervisory Authority (Finanstilsynet); it adheres to EU prudential rules (CRR/CRD), publishes Pillar 3 disclosures, and maintains eligible liabilities to meet MREL requirements. Deposits are covered by the Danish Guarantee Fund for Depositors and Investors up to the statutory limit of EUR 100,000 per depositor per bank, with specific higher temporary limits for certain transactions as set by law. The loan book is primarily domestic and oriented toward retail, agriculture, and SMEs, which concentrates credit risk in the Danish economy and interest-rate environment; investment services carry market risk and are subject to suitability and appropriateness rules. The bank publishes annual and interim reports, remuneration and governance statements, and sustainability information aligned with EU taxonomy and SFDR, including policies on credit risk, capital adequacy, liquidity coverage, and responsible investment.