Møns Bank Due Diligence
Run due diligence on Møns Bank: check compliance and get alerts when suppliers or ownership change.
Denmark · owned by Independent (Denmark) · monsbank.dk · 8 vendors
Møns Bank is a local Danish bank that provides a range of financial services to private and corporate customers. The bank was founded in 1877 and is headquartered in Stege, Denmark. Møns Bank is listed on the Nasdaq Copenhagen stock exchange.
Resilience scores
- Digital Sovereignty: 63
- Digital Resilience: 6
- Financial Resilience: 8
Technology vendors
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- and 5 more
Insights
Last updated 2026-09-13 · revision 5
8 direct vendors, 104 subvendors
Direct vendors by controlling owner country (sample)
- Italy: 1
- Denmark: 4
- China: 1
Subvendors by controlling owner country (sample)
- Italy: 1
- India: 3
- United Kingdom: 3
Compliance
7 in-scope frameworks identified; showing 3.
GDPR (source) — No public evidence
Evidence: https://gdpr.eu/, https://www.datatilsynet.dk/
NIS2 (source) — No public evidence
Evidence: https://digital-strategy.ec.europa.eu/en/policies/nis2-directive, https://www.finanstilsynet.dk/
ISAE 3000 (source) — No public evidence
Financials
Three-year financials
- 2023: revenue DKK 187,000, EBIT DKK 105,000, equity DKK 720,000
- 2022: revenue DKK 146,000, EBIT DKK 58,000, equity DKK 670,000
- 2021: revenue DKK 129,000, EBIT DKK 45,000, equity DKK 640,000
Financial Resilience Score: 8/10
Møns Bank demonstrates strong financial resilience, characterized by robust capital adequacy, healthy liquidity, improving profitability, and sound asset quality. Capital Adequacy: Consistently strong, typically well above regulatory requirements. For example, as of year-end 2023, the CET1 ratio was approximately 19.5%, and the Total Capital Ratio was around 22.0%. This provides a substantial buffer against unexpected losses and supports future growth. The bank's individual solvency requirement is significantly lower than its actual capital base, indicating a strong buffer. Asset Quality: Møns Bank maintains a relatively low level of non-performing loans (NPLs). The impairment charges have generally been manageable, reflecting a prudent lending policy and a stable local economy. Adequate provisions for potential loan losses are maintained, further safeguarding the balance sheet. Profitability: Return on Equity (ROE) improved significantly in 2023, reaching approximately 15.0% (up from ~8.6% in 2022 and ~7.0% in 2021). This indicates efficient use of shareholder capital. Return on Assets (ROA) also saw a healthy increase, reaching around 0.9% in 2023 (up from ~0.5% in 2022 and ~0.4% in 2021). This reflects strong operational performance relative to its asset base. The bank's cost-to-income ratio has shown improvement, indicating good cost control relative to revenue growth. Liquidity: Møns Bank maintains a strong liquidity position, with a high proportion of stable customer deposits funding its loan book. Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) are consistently well above the 100% regulatory minimums, ensuring the bank can meet its short-term and long-term funding obligations. Funding Structure: Primarily funded by stable customer deposits from its local market, which is a highly reliable and cost-effective funding source. This reduces reliance on more volatile wholesale funding markets.
Key strengths: Capital Adequacy, Asset Quality, Profitability, Liquidity, Funding Structure
Risk factors: Sensitivity to interest rate changes, Concentration risk inherent in a local bank
Workforce by country
- Denmark: 72
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