Bestilt Analyse: Sparekassen Sjælland-Fyn

Sparekassen Sjælland-Fyn er en lokalbank med stærke rødder på Sjælland og Fyn. Banken har det stærkeste filialnetværk af bankerne i dets hjemmemarked

Bestilt analyse Sparekassen Sjælland-Fyn: Fra høj vækst til lavere risiko og omkostninger

3. kvartalsregnskabet kom præcis to år efter, at banken lancerede sin 2021 “Nye Veje” strategi. Ifølge ledelsen fortsætter banken med at være foran den oprindelige plan, og ledelsen er fortsat sikre på at 2021 målene vil blive nået. Sparekassen Sjælland-Fyn annoncerede også i forbindelse med regnskabet, at yderligere fire filialer lukkes, hvilket giver en årlig besparelse på ca. DKK 10 mio. Derudover vil banken indføre negative indlånsrenter for nogle privatkunder. Den endelige model for dette fastlægges inden årets udgang. Drevet af skiftet fra høj til moderat vækst samt indikationer på forbedret kreditkvalitet, sænker vi vores spænd på normaliseret tabsprocent med 10 bp. Vores nye fair værdi interval er DKK 88-114 (81-106).

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