Statistical news focuses on the latest figures and trends in Danmarks Nationalbank’s statistics. Statistical news is targeted at people who want quick insight into current financial data.
New statistics on banking and mortgage loans by corporate size
Danmarks Nationalbank is now publishing a new statistics for banking and mortgage lending based on microdata from the Credit register. The statistics include information on debt across different types of loans from the largest banks and mortgage credit institutions in Denmark. A new option is the possibility to categorize data for banking and mortgage loans to non-financial corporations by size, based on accounting categories defined by balance sheet totals, revenue and number of employees. The statistics contain data dating back to the 1st quarter of 2020 and will be updated on a quarterly basis.
Small corporations primarily finance themselves with mortgage credit
Note:
Oustanding nominal amount ultimo 1st quarter 2025 for Non-financial corporations with residence in Denmark. Non-financial corporations also include ’Associations, foundations and other self-governing institutions’, but are excluded from the figure. ‘Not classified’ covers non-financial corporations for which there is insufficient information regarding accounting category. Find data in the Statbank.
Large corporations have the highest outstanding nominal amount per corporation
In addition to the total outstanding nominal amount, the statistics include distributional figures for each corporation size category calculated per borrower, which here corresponds to one company (one CVR number). In the 1st quarter of 2025, small corporations had the largest outstanding nominal amount, totaling to kr. 645 billion. Of this, 78 per cent is mortgage credit debt, making it by far the largest component of small corporations’ banking and mortgage debt. In contrast, for large corporations, approximately two-thirds of their banking and mortgage debt consists of bank loans.
A few large corporations pull up the average
There are the most borrowers in the group of small corporations. For small corporations, the average outstanding nominal amount is kr. 8.9 million in the 1st quarter of 2025. This is in line with the median, which is one of several distributional figures included in the new statistics. In comparison, a large corporation has an average outstanding nominal amount of nearly kr. 258 million. For large corporations, the average banking and mortgage debt is considerably higher than the median. This difference indicates a large variation in banking and mortgage debt among large corporations, where a few with very large debts pull the average up in relation to the median.
The outstanding nominal amount varies considerably across corporations
Note:
Upper decile states the level of debt where 90 per cent of borrowers have a debt lower than or equal to this level. Similarly, the upper quartile (75 per cent) and the median (50 per cent). The average is calculated as the outstanding nominal amount per borrower. The statistics also include information on the lower quartile (25 per cent) and the lower decile (10 per cent). Some corporations also have granted credits that are not necessarily utilized which pull the average down.
Explore the new details in the table in the Statbank
The new table expands the statistics for banking and mortgage lending based on microdata with a more detailed grouping of loans to corporations (non-financial corporations supplemented by self-employed individuals). The corporations are grouped hierarchically by sector and then by size.
Banking and mortgage credit based on microdata is a statistical area that is continuously developed. The new detailed data can be found in the table DNMUVS. Read more about the methodologies and table contents in Sources and method on Danmarks Nationalbank’s website.