AL Sydbank A/S Due Diligence
Run due diligence on AL Sydbank A/S: check compliance and get alerts when suppliers or ownership change.
Denmark · owned by Independent (Denmark) · vestjyskbank.dk · 32 vendors
AL Sydbank is a Danish bank formed from the merger of Vestjysk Bank, Arbejdernes Landsbank, and Sydbank. The bank provides personal banking, business banking, and private banking services with a focus on local customer relationships.
Resilience scores
- Digital Sovereignty: 53
- Digital Resilience: 7
- Financial Resilience: 8
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Services catalogue
3 services in catalogue across 2 categories; runs on 32 sub-vendors.
- Financial Services
- Markedsrente
- Mortgage Integration
Insights
Last updated 2026-09-13 · revision 28
32 direct vendors, 287 subvendors
Direct vendors by controlling owner country (sample)
- Luxembourg: 1
- Denmark: 11
- Italy: 1
Subvendors by controlling owner country (sample)
- Sweden: 5
- Singapore: 1
- Norway: 10
Financials
Three-year financials
- 2024: equity DKK 15.8B
- 2023: equity DKK 15.7B
- 2022: equity DKK 14.0B
Financial Resilience Score: 8/10
This score reflects the bank's robust capital position, strong profitability, and prudent risk management, balanced against its geographic concentration. Vestjysk Bank operates with capital ratios significantly above regulatory requirements. As of year-end 2022, the bank reported a Common Equity Tier 1 (CET1) ratio of 18.4%. The Total Capital Ratio stood at 22.5%. These figures are well in excess of the 8% minimum CET1 ratio and associated buffer requirements. This provides a very strong cushion to absorb potential losses from economic downturns without jeopardizing solvency. The bank has demonstrated exceptional profitability. For 2022, the bank achieved an ROE of 15.4%, a top-tier performance for a European bank. The cost-to-income ratio was an efficient 44.1% in 2022. Profitability is primarily driven by high-quality, recurring Net Interest Income, which is less volatile than trading income. This strong, consistent earning power allows the bank to build its capital base organically. The bank has maintained low loan loss impairments, and in some quarters, has even reported net reversals, indicating a healthy and well-managed loan portfolio. The portfolio is well-diversified across retail mortgages and various SME sectors, with a conservative approach to lending. While strong, the bank's loan book is geographically concentrated in Jutland, making it susceptible to regional economic shocks. This is the primary factor preventing a higher score. The bank consistently reports an LCR well above 200%, far exceeding the 100% regulatory minimum. This indicates it holds ample high-quality liquid assets to meet short-term obligations.
Key strengths: Capital Adequacy, Profitability and Earnings Quality, Asset Quality and Risk Management, Liquidity
Risk factors: Geographic concentration in Jutland
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