Approximate figures · 2025-Q4. All quarters shown for Sydbank are estimates compiled from public annual reports, not values ingested from a regulatory filing. Levels (CET1, leverage, RWA, loan book, concentrations) approximate the published figures; the quarter-to-quarter path was extrapolated, so QoQ and YoY change figures are not observed and the score withholds every trend signal that would read them. No newer quarter is available for this bank.

Sydbank

SYDB

Denmark · EuropeRegulated by Finanstilsynet DKLatest: 2025-Q4

36LOW

CET1 Ratio

16.90%

Common Equity Tier 1 / RWA · approximate

Risk-Weighted Assets

$20.4B

Approximate · QoQ growth not observed

Total Loan Book

$39.0B

Approximate · YoY growth not observed

Leverage Ratio

6.10%

Tier 1 / Average assets · approximate

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12% · approximate series — the shape is an estimate, not observed

RWA Growth

Bars = total ($B) · Line = QoQ growth % · approximate

Loan Book Composition

Latest quarter · 2025-Q4 · approximate

Comm. Real Estate24.0%

Consumer19.0%

SME / C&I40.0%

Other17.0%

Metric History

12 quarters · approximate estimates

All quarters marked approx are estimates compiled from public annual reports. Levels approximate the published figures; the quarter-to-quarter path is extrapolated, so the Loans YoY and RWA QoQ columns on those rows are not observed changes.

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q4latestapprox	16.90%	6.10%	$20.4B	$39.0B	+4.3%	+1.00%	24.0%	19.0%	40.0%	33
2025-Q3approx	16.70%	6.00%	$20.2B	$38.6B	+3.2%	+1.00%	24.0%	19.0%	40.0%	28
2025-Q2approx	16.50%	5.90%	$20.0B	$38.2B	+2.1%	+1.00%	24.0%	19.0%	40.0%	29
2025-Q1approx	16.30%	5.80%	$19.8B	$37.8B	+1.1%	+1.00%	24.0%	19.0%	40.0%	10
2024-Q4approx	16.00%	5.70%	$19.6B	$37.4B	+4.5%	+1.00%	24.0%	19.0%	40.0%	10
2024-Q3approx	16.10%	5.80%	$19.4B	$37.0B	+4.5%	+1.00%	24.0%	19.0%	40.0%	11
2024-Q2approx	16.20%	5.90%	$19.2B	$36.6B	+4.6%	+1.10%	24.0%	19.0%	39.0%	11
2024-Q1approx	16.30%	6.00%	$19.0B	$36.2B	+4.6%	+1.10%	24.0%	18.0%	39.0%	11
2023-Q4approx	16.40%	6.10%	$18.8B	$35.8B	+5.2%	+1.10%	24.0%	18.0%	39.0%	8
2023-Q3approx	16.50%	6.20%	$18.6B	$35.4B	+5.1%	+1.10%	24.0%	18.0%	39.0%	8
2023-Q2approx	16.60%	6.30%	$18.4B	$35.0B	+5.0%	+1.10%	24.0%	18.0%	38.0%	8
2023-Q1approx	16.80%	6.40%	$18.2B	$34.6B	+4.8%	+0.60%	24.0%	18.0%	38.0%	8

AI Investment Memo

Llama will analyze Sydbank across 4 data dimensions and write a structured memo

Score: 36/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

36/100 —LOW

First-time candidate · scored on fundamentals (0–54 band)

Capital Pressure1/40

CET1 16.90% — well above management threshold

-4.90pp headroom above 8% regulatory floor

withheldCET1 quarterly trend not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

Leverage ratio 6.10% — near US enhanced SLR floor

Loan Book Growth2/30

withheldLoan book YoY growth not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

withheldRWA QoQ growth not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

CRE: 24%, Lev.Loans: 0%, max(Consumer/SME): 40%

Historical SRT0/25

No prior SRT deals on record

Macro Context9/10

Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts

Mid-Size Bank

$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha

+10

Europe regional bonus+8

Macro environment · FAVORABLE+6

Sentiment +14/20 · global +6 pts

Overall SRT likelihood36/100