A simple retail bank

The core of Spar Nord's business model and strategy is the ambition to run an uncomplicated bank that focuses unequivocally on ordinary retail customers and small and medium-sized businesses in the local community. We have opted in to this strategic course - and thus opted out of large customers, complex business activities and product development - because we want to deploy the core competences inherent in our personal, actively involved customer service and create a bank that delivers solid and stable results.

Thus, Spar Nord's ambition is to combine the physical and psychological proximity of a local bank with the economies of scale that flow from being a nationwide chain. And with this in mind to expand the Bank's market share within the defined target groups.

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