Danish bank with 650% property lending growth fails; Finanstilsynet publishes causes
Amagerbanken A/S · Regional bank
The case in brief
Visible before detection
Checks that could have surfaced it, on hindsight
Unit economics & burn
Funding ratios would show reliance on market borrowing to fund a deposit shortfall.
Can mislead when: Cost allocation is a judgement call. Kubr shows its assumptions and lets the user change them.
Collateral & double pledge
Property valuations against loan balances would show overvalued collateral.
Can mislead when: Pledges made off the registries stay invisible, and vague invoice descriptions are hard to match.
Governance signals
Management replies to the regulator would show growth warnings dismissed.
Can mislead when: Private companies file late, so these signals are lagging. Kubr uses them to support other flags, not to prove anything alone.
Where Kubr services would have helped
Valuation context
Offered in India- C9 Funding ratios would show reliance on market borrowing to fund a deposit shortfall.
- C11 Management replies to the regulator would show growth warnings dismissed.
Verified Snapshot
Offered in India- C11 Management replies to the regulator would show growth warnings dismissed.
- C13 Property valuations against loan balances would show overvalued collateral.
Legal diligence support
Offered in India- C11 Management replies to the regulator would show growth warnings dismissed.
- C13 Property valuations against loan balances would show overvalued collateral.
Portfolio monitor
Offered in India- C11 Management replies to the regulator would show growth warnings dismissed.
- C13 Property valuations against loan balances would show overvalued collateral.
Mapped from the checks each service runs. A hindsight reading of public records, not a promise that the failure would have been found.
Same pattern
A summary of public documents. It reports what the sources say. It is not Kubr's finding and not a statement of guilt.