A simple retail bank

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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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