Spar Nord Due Diligence

Run due diligence on Spar Nord: check compliance and get alerts when suppliers change.

Denmark · www.sparnord.dk · 33 vendors

Spar Nord Bank A/S is one of Denmark's largest banking groups, headquartered in Aalborg. It operates a nationwide network of branches, primarily serving retail customers, small and medium-sized enterprises (SMEs), and high-net-worth individuals. The bank offers a range of financial products and services, including savings, loans, payment services, and insurance.

Resilience scores

Technology vendors

Insights

Last updated 2026-09-13 · revision 12

32 direct vendors, 282 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

7 in-scope frameworks identified; showing 3.

ISAE 3000 (source) — No public evidence

ISO 27001 (source) — No public evidence

PSD2 — No public evidence

Financials

Three-year financials

Financial Resilience Score: 9/10

Spar Nord exhibits very strong financial resilience, underpinned by robust capital buffers, sound asset quality, and consistent profitability. Spar Nord consistently maintains a strong Common Equity Tier 1 (CET1) ratio, which is a key indicator of a bank's ability to absorb losses. Historically, their CET1 ratio has been well above regulatory requirements, often in the range of 17-19% (as of end of 2022, it was approximately 17.6%). This provides a substantial buffer against unexpected economic downturns or credit losses. The total capital ratio also remains robust. The bank generally reports a low level of non-performing loans (NPLs) relative to its total loan book. While specific NPL ratios can fluctuate, Spar Nord has historically managed its credit risk effectively. Loan loss provisions have been managed prudently, reflecting a healthy loan portfolio and a generally stable Danish economy. Spar Nord maintains strong liquidity ratios, such as the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR), comfortably exceeding regulatory minimums. This ensures the bank has sufficient high-quality liquid assets to meet short-term obligations and stable funding for its long-term assets. The significant growth in profit before tax indicates strong underlying profitability. The bank's Return on Equity (RoE) has been impressive, often exceeding 10-12% in recent years (e.g., 16.9% in 2022). The cost-to-income ratio, a measure of efficiency, has also been well-managed, typically below 60% (e.g., 54.6% in 2022), demonstrating effective cost control relative to income generation. Spar Nord benefits from a diversified funding base, including customer deposits, covered bonds, and wholesale funding, reducing reliance on any single source. The combination of strong capital, healthy asset quality, ample liquidity, and consistent profitability positions Spar Nord as a highly resilient financial institution capable of withstanding various economic shocks.

Key strengths: Capital Strength, Asset Quality, Liquidity Position, Profitability and Efficiency, Diversified Funding

Revenue by geography

Revenue by product/service

Workforce by country

Signed-in users can see whether their own company is exposed to this vendor's disruption, plus the full sub-vendor list and country breakdowns, every in-scope compliance framework plus gaps and next steps, and alerts when any of it changes.

View the full interactive report