Nybanki A/S

Denmark · owned by Speedmodel Holding ApS (Denmark) · nybanki.dk · 12 vendors

Nybanki is a Danish bank that provides simple and transparent banking services to individuals and businesses.

Resilience scores

Disruption prediction

Nybanki A/S has an estimated 17% probability of disruption in the next 6 months.

10 of Nybanki A/S's 12 vendors monitored for disruptions.

Technology vendors

Insights

Last updated 2026-09-13 · revision 7

12 direct vendors, 189 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Migration Readiness: 4/10

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.

Nybanki A/S exhibits low to medium migration readiness, primarily due to significant regulatory and data-related complexities, coupled with critical information gaps. The most substantial challenges stem from the highly complex and stringent regulatory environment (GDPR, NIS2, Danish FSA, EU CRD/CRR) and strict data residency requirements. As a Danish financial services company, Nybanki A/S must comply with EU data residency rules, potential additional Danish banking restrictions, and future NIS2 requirements for critical infrastructure data to remain within EU jurisdiction. These factors impose considerable constraints on cloud migration strategies, especially for non-EU providers, and necessitate meticulous planning to ensure compliance. A critical impediment to assessing readiness is the complete lack of information regarding the internal tech stack (e.g., cloud-native, containerization, microservices vs. legacy monolithic systems). Without this data, it is difficult to determine the technical effort required for migration, and a conservative assumption leans towards a less modern, more challenging migration. Additionally, while vendor geographic diversity exists, the total number of distinct vendors for the 31 services is unknown, leading to an uncertain vendor lock-in risk. If a small number of vendors provide many critical services, this could significantly complicate and increase the cost of migration. On the positive side, the company's consistent revenue growth suggests financial stability, which could provide the necessary capital to fund a complex migration initiative.

Compliance

7 in-scope frameworks identified; showing 3.

CRD IV — Assessment Required

Capital Requirements Directive IV and Capital Requirements Regulation are mandatory for EU banks and financial institutions. Non-compliance can result in regulatory intervention, capital restrictions, and operational limitations. High risk due to fundamental prudential requirements for banking operations and severe consequences of non-compliance.

Danish Financial Business Act — Assessment Required

The Danish Financial Business Act is mandatory for all Danish financial institutions. Non-compliance can result in license revocation, significant fines, and criminal liability for management. High risk due to fundamental licensing and operational requirements that are essential for legal operation in Denmark.

GDPR (source) — Assessment Required

GDPR applies with absolute certainty to all EU-based companies processing personal data. As a Danish financial institution, Nybanki A/S processes extensive personal data (customer information, employee data, transaction records). Non-compliance carries severe penalties up to 4% of annual turnover or €20M. Financial institutions face heightened scrutiny due to sensitive data processing. High risk due to mandatory compliance and severe enforcement in financial sector.

Financials

Three-year financials

Financial Resilience Score: 8/10

Nybanki A/S demonstrates strong financial resilience based on the provided three-year data: * Consistent Revenue Growth: The bank has shown robust year-over-year growth in total revenue, with a 13.07% increase from 2021 to 2022 and an 11.68% increase from 2020 to 2021. This indicates a healthy ability to generate income from its core banking activities (lending and fee-based services). * Strong Profitability Growth: Operating Income (Profit before tax) has seen even more significant growth, increasing by 21.57% from 2021 to 2022 and 27.50% from 2020 to 2021. This suggests effective cost management and/or improved margins, leading to enhanced operational efficiency and profitability. * Solid Equity Base Expansion: Equity has consistently grown, increasing by 9.68% from 2021 to 2022 and 6.90% from 2020 to 2021. A growing equity base strengthens the bank's capital position, providing a buffer against potential losses and supporting future growth initiatives. This is crucial for regulatory compliance and investor confidence in the banking sector. * Positive Trend Across Metrics: All key financial metrics (Revenue, Operating Income, Equity) show a positive upward trend over the three-year period, indicating a well-managed and growing institution. The consistent growth in both top-line revenue and bottom-line profitability, coupled with a strengthening equity base, positions Nybanki A/S as a financially resilient institution capable of weathering economic fluctuations and pursuing strategic objectives.

Key strengths: Consistent Revenue Growth, Strong Profitability Growth, Solid Equity Base Expansion, Positive Trend Across Metrics

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