Spar Nord Bank A/S, a retail bank based in Denmark focused on providing personalized banking services to common households and local small and medium-sized enterprises. With a low risk ESG score of 15.9, the bank's strategy emphasizes financial technology to cater to its diverse customer base. Majority of the bank's income comes from net interest income and it has a diversified loan portfolio, with a focus on business lending across various industries like financial services, real estate, trade, and agriculture. Operating mainly in North Jutland, Spar Nord Bank A/S has expanded its presence through mergers and acquisitions.