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Banking system in Denmark
Nordea, Copenhagen
Banks in Denmark
Group 1 – working capital DKK 65 million or more – 5 banksGroup 2 – working capital DKK 12 billion – 13 banksGroup 3 – capital DKK 500 million or more – 44banksGroup 4 – DKK 500 million or less – 18 banksGroup 5 branches of foreign banks in Denmark – 26 banksGroup 6 – banks based on Faroe islands – 4 banks.
Biggest commercial banks: DanskeBank, Nordea and branches of foreign banks: Svenska Handelsbanken, Skandinaviska Enskilda Banken – SEB (Wseden); GE
Money Вank, Citibank (USA).
• 3.5 million customers• 2.2 million eBanking customers• 300 branches in 8 countries• 19,000 full-time employees
Danske Bank
The Danish Farmers' Bank, Mortgage and Exchange Bank of Copenhagen
Nykredit Bank
Group profit before tax: DKK 3,205m (2012)Market share of mortgage banking: 43% (2012)Market share of commercial banking: 5.7% (2012)
Mortgage, retail and investment banking to insurance, leasing and fixed income trading and asset management.
Private bank
Nordea Bank
Revenue €9.847 billion (2014)[1]
Net income €3.371 billion (2014)[1]
AUM €262.2 billion (2014)[1]
Nordea Bank1. The bank is the result of the successive relationship between Finnish, Danish, Norwegian and Swedish banks.
2. The Baltic countries and Poland are today also considered part of the home market.
3.The largest share holder of Nordea is Sampo, a Finnish insurance company with around 20% of the shares.
4. Headquartered from Stockholm and has more than 1,400 branches. Bank is present in 19 countries around the world.
5. Revenue - €9.847 billion (2014)Net income - €3.371 billion (2014)AUM - €262.2 billion (2014)
6.There are approximately 2,200 employees including Financial Risk Control and Capital Markets Services.
Jyske Bank
Branches in Denmark, France, Germany, Gibraltar, the Netherlands,
and Switzerland.
The bank employs some 4000 individuals
Jyske Bank A/S is the third largest Danish
bank in terms of market share.
Type – Publicity traded
Revenue DKK 4.594 billion (2010)[1]
Profit DKK 411 million (2010)[1]
Total assets DKK 150.84 billion (end 2010)[1]
Total equity DKK 9.554 billion (end 2010)[1]
Sydbank
2,600 employees and 115 branches - including
three in Germany.
Grew greatly since 1970s, when
Sydbank had only 50 branches
Products - Retail, commercial an
d private banking. Type – publicity
traded
Household accounts presents data on disposable income, spending, savings, debt and financial assets of households. A household may be a person who makes provision for his or her own food and other essentials for living, or may be small group of people who share the same living accommodation, pool some, or all, of their income and wealth, and consume certain types of goods and services collectively, mainly housing and food. The household group may be made up of related or unrelated people, or a combination of both.
Household accounts?