Denmark · Financial institution
Lr Realkredit A/S
Legal name in the LEI recordNYKREDIT REALKREDIT A/S
Nykredit Realkredit A/S is a Danish mortgage credit institution (realkreditinstitut) organised as a public limited company. Its head office is in Nordhavn, Copenhagen. It is wholly owned by the holding company Nykredit A/S. Forenet Kredit, an association of customers, holds 78.9% of Nykredit A/S. The bank grants mortgage loans funded by covered bonds (SDOs and ROs). It is also the issuing and parent company of the Nykredit group, whose subsidiaries include Totalkredit A/S and Nykredit Bank A/S. It absorbed LR Realkredit A/S on 25 January 2021 and acquired Spar Nord Bank A/S on 28 May 2025.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- NYKREDIT REALKREDIT A/S
- RIAD code
- DK12719280
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Finanstilsynet | 1900-01-01 | A1 A2 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- REAKDKK1XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of REAKDKK1 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2007-06-02
- Last updated
- 2007-06-02
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Nykredit A/S
Institution type
Other
Trades as Nykredit
- Standing
- BIC REAKDKK1 was registered to LR Realkredit A/S. On 25 January 2021 LR Realkredit A/S merged into Nykredit Realkredit A/S and ceased to exist as a legal entity. Its rights and obligations, including its issued mortgage bonds and mortgage loans, passed to Nykredit Realkredit A/S. The BIC is passive and is not connected to the Swift network.
- Ownership
- Nykredit A/S holds 100% of the bank. According to its Q1 2026 interim report, Nykredit A/S is 78.9% owned by Forenet Kredit, 16.9% by a consortium of five Danish pension companies and 4.2% by other shareholders.
- Direct parent
- Nykredit A/S, Denmark 100%
- Ultimate owner
- Forenet Kredit f.m.b.a., Denmark
- Head office
- Sundkrogsgade 25, 2150 Nordhavn, Denmark
- Company register
- CVR 12719280 (Danish Central Business Register); Danish FSA FTID 20001
Business lines
The bank grants mortgage loans to personal, business and agricultural customers and funds them with covered bonds. It also issues covered bonds, senior debt and capital instruments for the group, while retail and corporate banking, markets and asset management are carried out through subsidiaries.
Online
- Websites & references
- nykredit.com ↗
nykredit.dk ↗ Group customer website, operated by subsidiary Nykredit Bank A/S
lr-realkredit.dk ↗ Former website of LR Realkredit A/S, which merged into Nykredit Realkredit A/S
Wikipedia ↗ group article - Official social accounts
- None found
Sources · 15 pages consulted
- nykredit.com/
- nykredit.com/en-gb/om-os/organisation/
- nykredit.com/en-gb/om-os/organisation/bestyrelsen-temp/
- nykredit.com/en-gb/investor-relations/
- nykredit.com/siteassets/ir/files/financial-reporting/financial-reports/nykredit-realkredit/2026/nykred
- nykredit.com/en-gb/investor-relations/regulation/danish-fsa/
- datacvr.virk.dk/data/visenhed?enhedstype=virksomhed&id=26045304&language=da&soeg=26045304
- globenewswire.com/news-release/2021/01/25/2163316/0/da/Gennemf%C3%B8relse-af-fusion-af-Nykredit-Realkredit-
- globenewswire.com/news-release/2021/01/25/2163326/0/en/Merger-of-Nykredit-Realkredit-A-S-and-LR-Realkredit-
- finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2026/jul/redegoerelse-om-inspektion-af-kapital-nep-og-ga
- finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2026/apr/redegoerelse-om-inspektion-i-nykredit-realkredi
- nykredit.com/siteassets/ir/files/announcements/nykredit-realkredit/2026/david-hellemann-group-managing
- globenewswire.com/news-release/2025/06/24/3104401/0/en/Nykredit-Realkredit-A-S-Extraordinary-General-Meetin
- nykredit.dk/
- en.wikipedia.org/wiki/Nykredit
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Michael Rasmussen Group Chief Executive
- Chair
- Merete Eldrup Chair of the Board of Directors
- Chief financial officer
- David Hellemann Deputy Group Chief Executive; Group Managing Director (CFO & Partnerships)
- Executive
- Anders Jensen Group Managing Director (Treasury & Kredit, Asset & Fund Management)
- Executive
- Pernille Sindby Group Managing Director (Risk & Compliance)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Denmark
- Danish Financial Supervisory Authority (Finanstilsynet) Prudential supervisorAML supervisorConductSecurities
- Denmark
- Financial Stability Company (Finansiel Stabilitet) Resolution
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
The Danish FSA ordered the bank to recalculate its capital, NEP and debt buffer base in line with EU rules, following an inspection.
finanstilsynet.dk ↗ -
Leadership
The board appointed Group Managing Director David Hellemann as Deputy Group Chief Executive of the Nykredit group.
nykredit.com ↗ -
Enforcement
The Danish FSA issued orders on the bank's credit policy for lending on properties with a limited pool of buyers, following an inspection.
finanstilsynet.dk ↗ -
Merger / acquisition
Subsidiary Spar Nord Bank A/S merged into subsidiary Nykredit Bank A/S on 1 April 2026, with Nykredit Bank A/S as the continuing company.
nykredit.com ↗ -
Leadership
The board added Martin Kudsk Rasmussen, formerly of Spar Nord's executive management, to the Group Executive Board. Lasse Nyby became Deputy Chair.
globenewswire.com ↗ -
Merger / acquisition
The bank acquired 96.5% of Spar Nord Bank A/S on 28 May 2025. It completed full ownership by July 2025.
nykredit.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- REAKDKK1XXX
- How the BIC breaks down
- REAKBank
- DKCountry · Denmark
- K1Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- LIU16F6VZJSD6UKHD557
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Denmark · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Ultimate parent
- Forenet Kredit f.m.b.a. · Denmark54930044PCO1XG0OGZ29 ↗
The Forenet Kredit f.m.b.a. group has 2 institutions in the directory, in 1 country: all hold a BIC.
Including Nykredit Bank A/S.
See the Forenet Kredit f.m.b.a. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- NYROPSGADE 21 COPENHAGEN 1780 DENMARK
- Operational address
- NYROPSGADE 21 COPENHAGEN 1780 COPENHAGEN DENMARK
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>REAKDKK1XXX</BICFI>
<LEI>LIU16F6VZJSD6UKHD557</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>REAKDKK1XXX</BICFI>
<LEI>LIU16F6VZJSD6UKHD557</LEI>
<Nm>LR REALKREDIT A/S</Nm>
<PstlAdr>
<TwnNm>COPENHAGEN</TwnNm>
<Ctry>DK</Ctry>
<AdrLine>NYROPSGADE 21 COPENHAGEN 1780</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: nykredit.com (official website) · original.
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