HVIDBJERG BANK. AKTIESELSKAB

Hvidbjerg Bank A/S (aktieselskab) is a regional Danish bank headquartered in Hvidbjerg that provides retail and small-business banking under the supervision of the Danish Financial Supervisory Authority (Finanstilsynet). Its core services include current and savings accounts, domestic and cross-border payments (including SEPA), cards (e.g., Dankort/Visa Debit), MobilePay connectivity, online and mobile banking using MitID, unsecured consumer credit, car financing, working-capital facilities and overdrafts for SMEs, and access to mortgage financing via partner institutions, along with custody accounts and investment order handling under MiFID II through third-party product providers. Deposits are covered by the Danish Guarantee Fund (Garantiformuen) up to EUR 100,000 per depositor per bank, with temporary high balances from qualifying real estate transactions covered up to EUR 10 million for up to 12 months; the investor compensation scheme covers up to EUR 20,000 for certain losses if an investment intermediary fails. As an aktieselskab, the bank is governed by the Danish Companies Act with a shareholder-elected board and employee representation as applicable, publishes audited annual reports and periodic risk disclosures, and is subject to EU capital, liquidity, and leverage rules (CRR/CRD) as well as Danish resolution planning and MREL requirements. Earnings are primarily driven by net interest income and fee-based services, and performance is sensitive to interest-rate conditions, local credit demand, and loan-impairment trends; the loan book typically centers on households and smaller enterprises, with exposure to regional sectors. Pricing follows public tariffs covering account packages, payment services, cards, foreign-exchange markups, and lending margins, which vary by segment and product; eligibility for services generally requires Danish KYC documentation, MitID for digital access, and in practice may be limited for non-residents. Prospective and existing customers should review the bank’s current price lists, terms and conditions, and financial reports, and consider deposit guarantee limits when managing balances.