Financial reporting

Nykredit intends to make a recommended voluntary public tender offer for Spar Nord Bank A/S

“Nykredit and Spar Nord Bank already know each other well. We share a common history as sound and strong companies that are firmly anchored in Denmark and in the many local communities in which we are present. Also, we both have owners committed to long-term, sustainable and responsible thinking, which benefits our customers on a daily basis. Together, we will become Denmark’s customer-owned bank, offering even more customers the opportunity to experience the benefits this offers. Both Spar Nord Bank and Nykredit are growing in the banking market. Customers choose us, customer satisfaction levels are high and market shares are rising. By joining forces, we will obtain the scale in our business which is increasingly important in a market with increased regulation, growing digitalisation and pressure on prices. In addition, scale benefits enable us to stand strong in the market and continue our growth. 

The Nykredit Group’s ‘Winning the Double’ strategy continues, because partnerships are a crucial part of our group strategy. Our partners can therefore expect us to further engage and invest in our important communities in Totalkredit, BEC, Sparinvest, nærpension and Privatsikring. Partnerships that ensure that we together stand stronger in the Danish financial market and in our interaction with customers.” 

Michael Rasmussen
Group Chief Executive

The purpose of Nykredit Investor Relations is to create, build and develop valuable relations with new and existing investors and analysts. At Nykredit we strive to maintain our valuable relations through transparency and openness. On our website you will find relevant, accurate and reliable information on the Group's two issuing entities – Nykredit Realkredit and Nykredit Bank.

If you wish to arrange a meeting or have any questions, please write to us at investor_relations@nykredit.dk

If you need to contact Nykredit regarding our banking services for private customers please call +45 70 10 90 00

Nykredit ends fossil fuel lending

Nykredit's new Fossil Fuels Policy will put a stop to lending for activities that contribute to fossil fuel production. We are also divesting interests in more than 60 oil, gas and coal companies and excluding 483 companies from our investment universe.

Green Bond Framework 2023

In April 2023, Nykredit updated its Green Bond Framework to further align with the EU Taxonomy. Nykredit has pledged to support the green transition and has committed to achieving net zero greenhouse gas emissions from our lending, investments and own operations by 2050 at the latest.  We finance the green transition through mortgage lending and banking operations. Our Green Bond Framework defines the loans and investments eligible to be funded by the proceeds from green bonds issued by Nykredit.

The Green Bond Framework 2023 includes a range of new use of proceeds categories and is widely aligned with the Technical Screening Criteria of the EU Taxonomy. Sustainalytics is of the opinion that the Green Bond Framework 2023 is credible and impactful and aligns with ICMA’s Green Bond Principles 2021.

The publication of the Green Bond Framework 2023 implies changed criteria for green financing. Consequences for loans funded by the existing green covered bonds under the Green Bond Framework 2020 are outlined in the Green Bond Investor Presentation.

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Financial results FY2024

11,728 Net profit (DKKm)

11.7 % Return on equity after tax

"For the fourth consecutive year, Nykredit delivers its best full-year performance to date. This is naturally highly satisfactory. Our robust financial results demonstrate that Nykredit is stronger than ever. Thanks to our mutual ownership and attractive value propositions, we continue to welcome new customers. As a result, we recorded business growth and expanded our market position across our core business in 2024.

We are guiding for a profit after tax for 2025 of DKK 9.00-9.75 billion and do not expect to reach the same level as in 2024. This is primarily due to the prospect of falling interest rates, which will lower the return on Nykredit's equity. At the same time, a generally tense geopolitical landscape creates uncertainty about the economic development and the potential impact on Nykredit's operating conditions. Our profit guidance for 2025 does not include earnings impacts of the acquisition of Spar Nord Bank. We will therefore update our full-year profit guidance when the acquisition is completed."

Michael Rasmussen
Group Chief Executive

Download Nykredit Group Annual Report 2024
Download Nykredit Credit Profile

The Nykredit Group

Nykredit is a financial mutual, governed by our customers, founded by our customers and operating for our customers.
The Group is the leading mortgage lender to Danish homeowners, businesses and agriculture. The mortgages are offered though a diversified, multi-channel distributions approach built around a group of partner banks and direct own distribution channels.
Nykredit Markets offers capital markets services with a focus on fixed income products, debt capital markets and other services to domestic and international customers

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Responsibility

As Denmark's largest credit provider with contact to more than 1 million customers, our financial strength is of great significance to Denmark. That in itself involves social responsibility, which we take seriously.

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If you would like more information about Nykredit's activities, please contact us at Investor Relations.

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Contact info for private customers

If you need to contact Nykredit regarding our banking services for private customers please call +45 70 10 90 00 or send a mail to kundeservice@nykredit.dk