Nykredit is different. Yes, we are a bank. And a mortgage provider too. But in one important area we are different: We are owned by an association of customers. Being customer-owned, we are in a unique position to give something back to our customers when we are doing well. Together we can simply do more for our customers and for society.
Nykredit is different. But how are we different? Nykredit dates back to 1851 when the first mortgage associations were formed – and of that we are proud. Michael Rasmussen, Group Chief Executive puts Nykredit's DNA into words and pictures in the film that you can watch here:
At Nykredit, we help our customers stay on top of their finances and provide them with opportunities and security. We want to share their dreams and worries and help them find the right solutions. Being customer-owned, we are in a unique position to share our success with our customers.
At Nykredit, we believe in all of Denmark. We are owned by an association of homeowners and businesses that live and operate all over Denmark, and we are Denmark's largest lender. We have made a special commitment to offer financial solutions in urban and rural districts alike, at all times.
Read more about Forenet Kredit here.
45.6% of Denmark's mortgage lending spread across Denmark (incl. LR Realkredit)
41 Totalkredit alliance partner banks
3.0 bn Group profit after tax end-March 2025
At Nykredit, we are proud of our history. And we are aware that the world around us is changing dramatically in these years. Globalization of the economy, internationalization of regulation and the digitization of society provide completely new challenges and opportunities.
All that makes demands on us. For our foresight and adaptability. In a changing time, we cannot promise that everything will continue to be as it was yesterday. But we can promise that we will stick to our values when we move forward as an association-controlled company and strive to share our progress with customers. That's why we make six promises.
We will provide our customers with financial security through sound advice and products tailored to their needs, and we will share our success with our customers.
In collaboration with our partners, we want to make a difference to our customers by offering them attractive products and effective solutions. We will prioritise joint solutions and actively contribute to developing and expanding our alliance so that we and our partners become more together.
We will be active in all of Denmark and support growth – in urban and rural districts alike. At all times. We will also do our best to create a greener Denmark for our children and for future generations.
We will prioritise development and opportunities for people who will and can make a difference. We want to be known for our trusting culture guided by customer centricity, team spirit and empowerment.
We will strive to be a successful and well-capitalised business that thinks and acts for the long term. We will generate market-consistent dividend to the benefit of our Danish owners.
As one of Europe's largest bond issuers, we will provide a stable and secure investment opportunity for domestic and foreign bond investors.
