PensionDanmark A/S Due Diligence

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

Denmark · owned by PENSIONDANMARK HOLDING A/S (Denmark) · pension.dk · 19 vendors

PensionDanmark A/S is a Danish member-owned labour market pension company that administers collective bargaining and company-agreed pension schemes, health programmes, and education funds for over 851,700 members employed across 20,800 private and public organisations. The company offers pension savings, insurance products (including disability and critical illness cover), and health services as part of a comprehensive welfare package. It is a customer-owned entity where all profits are returned to its members, with a total balance sheet of approximately 384.9 billion DKK.

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Last updated 2026-10-15 · revision 22

19 direct vendors, 269 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

10 in-scope frameworks identified; showing 3.

Danish Financial Business Act — Evidence found

PensionDanmark operates as a life insurance company in Denmark and is therefore under the supervision of the Danish Financial Supervisory Authority (Finanstilsynet) in accordance with the Danish Financial Business Act.

Evidence: https://www.pension.dk/en/in-general/financial-supervisory-authority/, https://www.finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2026/jul/redegoerelse-om-inspektion-af-aktivt-ejerskab-i-pensiondanmark-pensionsforsikringsaktieselskab, https://www.finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2024/jul/redegoerelse-om-funktionsinspektion-i-pensiondanmark-, https://www.pension.dk/generelt/finanstilsynet/, https://www.europeanpensions.net/ep/feb-mar-profile-pensiondanmark.php, https://global-pension-transparency-benchmark.top1000funds.com/global-pension-transparency-benchmark-funds-2022/pensiondanmark/

GDPR (source) — Evidence found

PensionDanmark is established in Denmark (an EU member state) and processes the personal data of its members, making it subject to the General Data Protection Regulation.

Evidence: https://www.pension.dk/en/in-general/privacy-policy/, https://www.pension.dk/en/in-general/financial-supervisory-authority/, https://iclg.com/practice-areas/fintech-laws-and-regulations/denmark/, https://www.gdprregulation.eu/gdpr-in-denmark/, https://fsc.gi/uploads/The%20Danish%20Financial%20Supervisory%20Authority.pdf

NIS2 (source) — No public evidence

As a large entity in the Danish financial sector, PensionDanmark is likely subject to NIS2. Denmark has implemented NIS2 through sector-specific legislation, with the financial sector's requirements integrated into the Danish Financial Business Act.

Financials

Three-year financials

Financial Resilience Score: 8/10

PensionDanmark demonstrates strong financial resilience as one of Denmark's largest labour-market pension funds with DKK 385 bn in total balance sheet assets at end-2025 and 851,700 members. The company operates with a market-rate (unit-linked) business model where the vast majority of investment returns and risks flow directly to members' depots rather than impacting corporate equity, providing structural insulation from market volatility. Equity has grown steadily from DKK 4,754M in 2020 to DKK 5,677M in 2024, and profit for the year expanded from DKK 353M in 2023 to DKK 467M in 2024. The company benefits from the deep structural support of the Danish pension system (total Danish pension assets ~198% of GDP), customer-owned non-profit governance, and robust capital planning that keeps the capital base comfortably above the solvency capital requirement. Premiums have grown every year for at least five consecutive years, from DKK 13,791M in 2020 to DKK 16,495M in 2024, with 2025 contributions reaching DKK 18.2 bn. Member growth is steady and payouts to new retirees rose 13.7% in 2025. Key risks include sensitivity to capital markets, as demonstrated by the 2022 loss of DKK 159M amid sharp price falls, and a strategic shift toward higher equity allocations (particularly for younger members, with risk-reduction starting age moved from 45 to 50) that will increase return volatility. Regulatory burden from CSRD implementation and high member job mobility (often leading to pension transfers out) are additional watch-items.

Key strengths: Scale: DKK 385 bn balance sheet, DKK 369 bn AUM, 851,700 members, 20,800 employer customers, Market-rate business model shields equity from market swings, Customer-owned non-profit structure with entire surplus going to members, Robust solvency position with capital base developing positively vs. requirement, Steady premium growth from DKK 13.8B (2020) to DKK 18.2B (2025), Deeply anchored in Danish pension system (~198% of GDP), Diversified global asset allocation with 23.2% in Danish government/mortgage bonds and investment-grade credit

Risk factors: Market sensitivity demonstrated by DKK -159M loss in 2022, Strategic shift to higher equity allocation increases return volatility, CSRD and broader regulatory compliance burden, High member job mobility often triggers pension transfers out, Concentration in Danish labour market (100% geographic exposure on collection side)

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