Spar Nord Bank Investor Relations Material

Spar Nord Bank A/S is a Denmark-based financial institution that provides a wide range of banking services to both retail customers and businesses. The bank offers various products, including loans, deposits, mortgages, life annuities, and guarantee services. In addition to standard banking, Spar Nord engages in asset management, foreign exchange services, and trading activities in shares and corporate bonds. The bank operates through its local branch network, serving small and medium-sized enterprises, high-net-worth individuals, and larger corporate clients. Its operations are divided into segments focused on local banking services and trading activities related to international markets. The company is headquartered in Aalborg, Denmark, and its shares are listed on the Nasdaq Copenhagen.