Hvidbjerg Bank Due Diligence

Run due diligence on Hvidbjerg Bank: check compliance and get alerts when suppliers or ownership change.

Denmark · owned by Independent (Denmark) · hvidbjergbank.dk · 12 vendors

Danish banking institution based on domain name and .dk TLD, but detailed information unavailable due to website access restrictions.

Resilience scores

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Last updated 2026-09-13 · revision 2

12 direct vendors, 181 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

12 in-scope frameworks identified; showing 3.

Danish Financial Business Act — No public evidence

Evidence: https://hvidbjergbank.dk, https://www.finanstilsynet.dk/en, https://www.retsinformation.dk

CRR — No public evidence

Evidence: https://hvidbjergbank.dk, https://www.finanstilsynet.dk/en, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32013R0575

EBA Guidelines on ICT and Security Risk Management — No public evidence

Evidence: https://www.eba.europa.eu/regulation-and-policy/internal-governance/guidelines-on-ict-and-security-risk-management, https://www.finanstilsynet.dk/en

Financials

Three-year financials

Financial Resilience Score: 6/10

Hvidbjerg Bank is a well-established Danish local bank with over 110 years of operating history, having survived the 2008-2013 Danish banking crisis when many small Danish banks failed. Danish local banks like Hvidbjerg typically maintain capital ratios well above regulatory minimums, with own funds ratio historically at ~19-22% and solvency need at ~10-11%, providing a strong capital buffer. The bank benefits from a stable, sticky retail deposit base from a loyal customer base in the Thy/Struer region, offering cheap funding. Recent financial performance has been strong, with profit before tax nearly tripling in 2023 to approximately DKK 35M as rising Danish policy rates lifted net interest margins. Net interest and fee income grew 32% in 2023. Equity has grown steadily through retained earnings, reaching approximately DKK 215M. However, the bank faces meaningful structural challenges. Its small scale (total assets around DKK 1.9 bn, only 35-45 FTEs, and a handful of branches) limits its ability to absorb rising fixed costs for IT, compliance, and AML. Geographic concentration in Nordvestjylland creates exposure to local agricultural, fisheries, and SME cycles. The recent NIM tailwind will unwind as ECB/Danish policy rates fall in 2024-2025, and Denmark's ongoing consolidation of small local banks positions Hvidbjerg as a potential M&A target.

Key strengths: Over 110 years of operating history (founded 1911), Survived the 2008-2013 Danish banking crisis, Well-capitalized with own funds ratio typically 19-22%, Stable retail deposit base providing cheap, sticky funding, Strong 2023 performance with profit before tax approximately tripling, Consistent dividend payer in recent years, Supervised by Danish FSA (Finanstilsynet)

Risk factors: Small scale limits ability to absorb fixed costs for IT, compliance and AML, Geographic concentration in Nordvestjylland (Thy/Struer/Holstebro), Exposure to local agriculture, fisheries and SME cycles, Rate sensitivity - NIM tailwind will unwind as rates fall in 2024-2025, Sector consolidation pressure - potential M&A target, Impairment risk on agricultural/SME loans in a stressed local economy

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