Spar Nord Bank A/S engages in the provision of banking products and services. It operates through the following segments: Spar Nord's Local Banks; Trading and International Division; and Other Areas. The Spar Nord's Local Banks segment offers banking services such as credit and debit cards, deposit accounts, life and non-life insurance, loans and credits, and pension products. The Trading and International Division segment composes of markets, shares, interest and forex, asset management and the International division. The Other Areas segment includes central support functions, residual income and costs as well as eliminations. The company was founded by Jacob Kjellerup on May 12, 1824 and is headquartered in Aalborg, Denmark.