Jyske Bank A/S

Denmark · owned by Independent (Denmark) · jyskebank.dk · 36 vendors

Jyske Bank A/S is Denmark's third-largest bank, offering a full range of retail and corporate banking services including loans, mortgages, savings, investments, and insurance. Headquartered in Silkeborg, Denmark, it operates a nationwide branch network and serves both personal and business customers. The bank is publicly listed on Nasdaq Copenhagen and is known for its distinctive customer-centric and unconventional corporate culture.

Resilience scores

Technology vendors

Services catalogue

5 services in catalogue across 4 categories; runs on 36 sub-vendors.

Insights

Last updated 2026-09-13 · revision 4

36 direct vendors, 374 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Migration Readiness: 5/10

Assessed by AI based on technology stack characteristics (cloud-native vs legacy, containerization, microservices), regulatory environment, data residency requirements, financial stability, and vendor lock-in risks. The score ranges from 0-10, where higher scores indicate better readiness for technology migration.

Jyske Bank, as a long-standing financial institution, likely operates a complex IT landscape with a mix of legacy core banking systems and more modern applications. Migration readiness is assessed as moderate (5/10) due to the inherent challenges of migrating critical financial infrastructure. While there's likely an ongoing digital transformation, significant vendor lock-in with core systems and the need for high regulatory compliance would slow down a full cloud-native migration. However, efforts in containerization and microservices for newer applications could be underway, indicating a mixed readiness. (Inference: Medium confidence, based on general knowledge of the banking sector and digital transformation trends)

Financials

Three-year financials

Financial Resilience Score: 9/10

Jyske Bank exhibits strong financial resilience, underpinned by robust capital ratios, sound asset quality, and a stable funding structure. Capital Adequacy: Jyske Bank consistently maintains capital ratios well above regulatory requirements. CET1 Ratio (Common Equity Tier 1): Typically reported in the range of 16-18% (e.g., ~17.5% as of end-2022), which is significantly above the minimum regulatory requirements and comfortably above the average for European banks. This provides a substantial buffer against unexpected losses. Total Capital Ratio: Also strong, reflecting a healthy overall capital base. Asset Quality: The bank generally demonstrates good asset quality with a relatively low Non-Performing Loan (NPL) ratio. While specific NPL figures can fluctuate, Jyske Bank has historically managed credit risk effectively, with impairment charges often decreasing or remaining at manageable levels, especially in periods of economic stability. The strong profit generation also allows for robust provisioning. Liquidity Position: Jyske Bank maintains a solid liquidity position, with Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) well above regulatory minimums. This ensures the bank can meet its short-term and long-term funding obligations even under stressed conditions. Profitability: The significant increase in Profit Before Tax over the past three years (as shown above) enhances the bank's ability to absorb losses, build capital organically, and invest in its operations. A high Return on Equity (ROE) further indicates efficient use of capital. Funding Structure: The bank has a diversified funding base, including customer deposits, covered bonds, and other wholesale funding, which contributes to its stability. Conclusion: Jyske Bank's strong capital buffers, good asset quality, healthy liquidity, and robust profitability position it as a financially resilient institution capable of withstanding adverse economic conditions.

Key strengths: Capital Adequacy, Asset Quality, Liquidity Position, Profitability, Funding Structure

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