Created by Anna Mileiko 
Sparekassen Sjælland-Fyn A/S is a savings bank providing a wide range of savings products and loans to private individuals and businesses. The bank serves customers in the Holbæk area.
In 2024, Sparekassen Sjælland-Fyn A/S achieved the position of 19th largest bank in Denmark with a market share of 0.38%; its total assets grew by 1.97%.
Additionally, the bank became the 8th profitable bank in relation to its total assets showcasing 1.94% return on assets and 13.49% return on equity in 2024.
Deposits up to 100,000 EUR are covered by Danish deposit guarantee scheme in Sparekassen Sjælland-Fyn A/S.
Denmark
branch
online banking
Nasdaq Copenhagen (XCSE)
Sparekassen Sjælland-Fyn A/S ranks as the 19th largest bank in Denmark by total assets. In 2024 its total assets were 32,386.46 mln DKK, representing a 0.38% market share. It is also the 3rd largest savings bank in Denmark, commanding a 14.03% share among savings banks. In 2024 the bank's net income was 623.12 mln DKK.
Sparekassen Sjælland-Fyn A/S protects deposits up to up to 100,000 EUR per depositor through Denmark's deposit guarantee scheme. The scheme applies to cash deposits made by natural persons, legal entities. The bank participates in the Finansiel Stabilitet, making regular contributions into it.
Isefjords Alle 5, 4300, Holbæk, Denmark
70
59481111Sparekassen Sjælland-Fyn A/S is located in Holbæk.
Sparekassen Sjælland-Fyn A/S is authorized and supervised by the Danish Financial Supervisory Authority (FSA) (reference number 522).
DenmarkVisaMasterCardSparekassen Sjælland-Fyn A/S provides products and services in the areas of retail banking, business banking. Sparekassen Sjælland-Fyn A/S offers a range of products including current accounts, credit cards, savings accounts, time deposit accounts, consumer loans, mortgage loans, pension accounts. Sparekassen Sjælland-Fyn A/S makes its solutions available to individuals, SMEs, companies.
branch online bankingProducts and services offered by Sparekassen Sjælland-Fyn A/S are available at its branches and via its online banking system.
In 2024 total assets of Sparekassen Sjælland-Fyn A/S were 32,386.46 mln DKK. Growth compared to the previous period (2023) was 1.97%. The evolution of the total assets of Sparekassen Sjælland-Fyn A/S is shown at Chart 1 below.
Chart 1. Total Assets of Sparekassen Sjælland-Fyn A/S.
Recent changes in total assets of Sparekassen Sjælland-Fyn A/S and its main components are shown in Table 1.
| 2023 | 2024 | change (%) | |
|---|---|---|---|
| Cash and deposits with Central Banks | 2,799.0 | 6,156.3 | +119.94% |
| Bonds at amortized cost | 9,293.9 | 5,131.3 | -44.79% |
| Bonds at fair value | 722.0 | 2,199.7 | +204.68% |
| Loans and advances at amortized cost | 12,711.7 | 12,761.2 | +0.39% |
| Shares and other variable-yield securities | 925.6 | 1,019.1 | +10.10% |
| Total Assets | 31,761.8 | 32,386.5 | +1.97% |
Table 1. Recent changes in total assets of Sparekassen Sjælland-Fyn A/S (mln DKK).
Recent changes in total liabilities of Sparekassen Sjælland-Fyn A/S and its main components are shown in Table 2.
| 2023 | 2024 | change (%) | |
|---|---|---|---|
| Deposits | 21,409.2 | 22,291.4 | +4.12% |
| Amount owed to banks | 2,006.1 | 1,200.9 | -40.14% |
| Issued bonds at amortized cost | 612.4 | 712.0 | +16.27% |
| Total Liabilities | 31,761.8 | 32,386.5 | +1.97% |
Table 2. Recent changes in total liabilities of Sparekassen Sjælland-Fyn A/S (mln DKK).
Recent changes in gross profit of Sparekassen Sjælland-Fyn A/S and its main components are shown in Table 3.
| 2023 | 2024 | change (%) | |
|---|---|---|---|
| Commission Income | 606.0 | 627.3 | +3.51% |
| Commission Charges | -16.1 | -17.9 | +10.95% |
| Interest Income | 1,025.6 | 1,206.9 | +17.67% |
| Interest Charges | -200.2 | -284.1 | +41.96% |
| Net Interest Income | 825.4 | 922.7 | +11.79% |
| Net Commission Income | 589.9 | 609.4 | +3.31% |
Table 3. Recent changes in gross profit of Sparekassen Sjælland-Fyn A/S (mln DKK).
In 2024 net income of Sparekassen Sjælland-Fyn A/S was 623.12 mln DKK. Growth compared to the previous period (2023) was 11.59%. The evolution of the net income of Sparekassen Sjælland-Fyn A/S is shown at Chart 2 below.
Chart 2. Net Income of Sparekassen Sjælland-Fyn A/S.
In 2024 Sparekassen Sjælland-Fyn A/S was ranked the 19th largest bank in Denmark in terms of total assets, having 0.38% of the domestic market share.
Chart 3. Market share of Sparekassen Sjælland-Fyn A/S (among banks in Denmark)
Historical changes in Sparekassen Sjælland-Fyn A/S's domestic rank and market share over 2020-2024 are shown below:
| Year | Rank | Market % |
|---|---|---|
| 2024 | 19 | 0.38 % |
| 2023 | 19 | 0.39 % |
| 2022 | 18 | 0.37 % |
| 2021 | 18 | 0.34 % |
| 2020 | 18 | 0.33 % |
TheBanks.eu identified several banks banks having the market shares and ranks closest to Sparekassen Sjælland-Fyn A/S listed below.
| Rank | Name | Total Assets | Market Share |
|---|---|---|---|
| 18 |  LÅN & SPAR BANK A/S | 36,384.38 mln DKK | 0.43% |
| 19 |  Sparekassen Sjælland-Fyn A/S | 32,386.46 mln DKK | 0.38% |
| 20 |  MIDDELFART SPAREKASSE | 21,914.45 mln DKK | 0.26% |
In 2024 Sparekassen Sjælland-Fyn A/S was ranked the 3rd largest savings bank in Denmark in terms of total assets, having 14.03% of the category's market share.
Chart 4. Market share of Sparekassen Sjælland-Fyn A/S (among Savings banks in Denmark)
TheBanks.eu identified several banks savings banks having the market shares and ranks closest to Sparekassen Sjælland-Fyn A/S listed below.
| Rank | Name | Total Assets | Market Share |
|---|---|---|---|
| 2 |  SPAREKASSEN KRONJYLLAND | 44,966.33 mln DKK | 19.47% |
| 3 | Sparekassen Sjælland-Fyn A/S | 32,386.46 mln DKK | 14.03% |
| 4 | MIDDELFART SPAREKASSE | 21,914.45 mln DKK | 9.49% |
Discover key identifiers of Sparekassen Sjælland-Fyn A/S including its BIC, LEI, company number, MFI ID.
BIC: SWESDK22XXX
The BIC (also known as SWIFT code) for Sparekassen Sjælland-Fyn A/S is SWESDK22XXX. It is used in financial transactions like cross-border and SEPA payments, and helps identify the bank in global banking systems.
| Key | Value |
|---|---|
| BIC | SWESDK22XXX |
| Bank BIC Code | SWES |
| Country Code | DK (Denmark) |
| Location Code | 22 |
| Branch Code | XXX |
LEI: 5493002DPKDEC2JN1Y86
Sparekassen Sjælland-Fyn A/S’s LEI is 5493002DPKDEC2JN1Y86. This code is critical for verifying the institutions’s legal identity in financial markets and is used for regulatory reporting and risk management.
| Key | Value |
|---|---|
| LEI | 5493002DPKDEC2JN1Y86 |
| LOU Identifier | 5493 |
| Reserved | 00 |
| Entity Identifier | 2DPKDEC2JN1Y |
| Verification ID | 86 |
Company Registration Number: 36532130
Sparekassen Sjælland-Fyn A/S is registered in Denmark under company number 36532130. This unique identifier is assigned by the Danish Business Authority (Erhvervsstyrelsen), company details are then available in the Danish Business Register.
| Key | Value |
|---|---|
| Company Number | 36532130 |
MFI ID: DK36532130
Sparekassen Sjælland-Fyn A/S’s MFI ID, DK36532130, is assigned by the European Central Bank to identify the institution within the EU's financial system. The first two digits represent Denmark (DK), followed by the institutions's internal ID.
| Key | Value |
|---|---|
| MFI ID | DK36532130 |
| Country Code | DK |
| MFI Code | 36532130 |
TheBanks.eu identified several banks similar to Sparekassen Sjælland-Fyn A/S based on various criteria, including:
