Sparekassen Danmark Due Diligence

Run due diligence on Sparekassen Danmark: check compliance and get alerts when suppliers change.

Denmark · sparekassendanmark.dk · 11 vendors

Sparekassen Danmark was formed in 2021 through the merger of Sparekassen Vendsyssel and Jutlander Bank. It is one of Denmark's largest savings banks, providing a range of financial products and services to personal and business customers.

Resilience scores

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Last updated 2026-09-13 · revision 6

10 direct vendors, 124 subvendors

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Subvendors by controlling owner country (sample)

Compliance

7 in-scope frameworks identified; showing 3.

SOC 2 (source) — No public evidence

CRD IV — No public evidence

GDPR (source) — No public evidence

Financials

Financial Resilience Score: 7/10

Sparekassen Danmark is a large Danish garantsparekasse (guarantor-owned savings bank) headquartered in Vrå/Hjørring, formed through the 2022 merger of Sparekassen Vendsyssel and Den Jyske Sparekasse. As a well-established regional savings bank with a sticky retail and SME deposit base, it typically benefits from deposit-funded lending with low reliance on wholesale markets. Danish savings banks of this type generally maintain CET1 and total capital ratios well above Finanstilsynet's regulatory requirements, reflecting conservative capital management inherent to the garantsparekasse structure. The bank has benefited materially from the 2022-2024 Danish interest rate cycle, with rising rates lifting net interest margins across the sector. Its consolidator role in absorbing smaller sparekasser has generated scale and cost synergies. However, exact financial figures (net interest and fee income, profit before tax, equity, capital ratios) could not be retrieved in this session, so the resilience assessment is based on structural/qualitative factors rather than verified quantitative metrics. Key risks include concentration in Danish agricultural and SME lending (sensitive to commodity prices, interest rates, and land values), Danish housing market exposure, lack of geographic diversification (effectively 100% Denmark/DKK), and the prospective reversal of the NIM tailwind as Nationalbanken cuts rates. Integration risk from the Vendsyssel + Den Jyske Sparekasse merger and reliance on a local guarantor base for capital raises (vs. listed equity) are additional structural considerations.

Key strengths: Sticky retail and SME deposit base typically fully funds the loan book, Conservative garantsparekasse capital management with capital ratios above regulatory requirements, Diversified Danish retail, agricultural, and SME exposure, NIM tailwind from rising Danish interest rates 2022-2024, Consolidator role generating scale and cost synergies through M&A, Long-established regional franchise in North/Central Jutland

Risk factors: Agricultural and SME credit exposure sensitive to commodity prices and land values, Danish housing market sensitivity through mortgage and home-equity lending, Geographic concentration: ~100% Denmark/DKK with no international diversification, Interest rate cycle reversal as Nationalbanken cuts rates will fade NIM tailwind, Integration risk from the 2022 Vendsyssel + Den Jyske Sparekasse merger, Guarantor capital less liquid than listed share capital; capital raises rely on local guarantor base

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