Nordfyns Bank A/S Due Diligence

Run due diligence on Nordfyns Bank A/S: check compliance and get alerts when suppliers or ownership change.

Denmark · owned by Independent (Denmark) · nordfynsbank.dk · 33 vendors

Nordfyns Bank is a Danish regional bank serving customers in the northern part of Funen (Nordfyn) and surrounding areas. The bank provides traditional banking services including personal and business banking, loans, and financial advisory services to local communities.

Resilience scores

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Last updated 2026-09-13 · revision 6

33 direct vendors, 267 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

8 in-scope frameworks identified; showing 3.

Danish Financial Business Act — No public evidence

NIS2 (source) — No public evidence

SOC 2 (source) — No public evidence

Financials

Three-year financials

Financial Resilience Score: 9/10

Nordfyns Bank A/S demonstrates strong financial resilience, characterized by robust capital adequacy, sound asset quality, and consistent profitability. Capital Adequacy: Common Equity Tier 1 (CET1) Ratio (2022): Approximately 18.5% Total Capital Ratio (2022): Approximately 22.0% These ratios are well above regulatory minimums and comfortably exceed the bank's individual capital requirements. A high CET1 ratio indicates a strong buffer against unexpected losses and supports future growth initiatives without excessive reliance on external funding. Asset Quality: The bank generally maintains a low level of non-performing loans (NPLs). While specific NPL ratios can fluctuate, Nordfyns Bank has historically managed its credit portfolio effectively, with prudent lending practices. Loan loss provisions are typically well-covered. Profitability: As seen in the 3-year data, Profit before tax has shown strong growth, particularly from 2020 to 2021 (+61.54%) and continued solid growth into 2022 (+14.29%). This indicates efficient operations and effective management of interest rate margins and cost control. Return on Equity (ROE) (2022): Approximately 11.0% (based on Profit after tax and average equity), which is a healthy return for a regional bank. Liquidity: Nordfyns Bank typically maintains strong liquidity positions, ensuring it can meet its short-term obligations. While specific Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) figures are not always as prominently disclosed for smaller banks, their stable deposit base and conservative funding profile generally indicate good liquidity management. Diversification: While primarily a regional bank, its revenue streams from both net interest income and net fee & commission income provide a degree of diversification, reducing over-reliance on a single income source. The increase in Net Interest Income in 2022 was particularly strong, benefiting from rising interest rates. The bank's consistent capital build-up (as evidenced by growing equity) and strong profitability metrics underpin its ability to withstand economic downturns and adapt to changing market conditions.

Key strengths: Capital Adequacy, Asset Quality, Profitability, Liquidity, Diversification

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