Investor Presentation - First Nine Months 2022

Investor Presentation - First nine months 2022 Regulatory Engagements Danske Bank Ongoing Dialogue We engage in ongoing dialogue with our regulators through regular meetings with the Financial Supervisory Authority (FSA) and Supervisory College to ensure aligned expectations and transparency between our regulators and the Bank We provide regular updates and engage in frequent interactions with the Danish FSA on our financial crime transformational progress and remediation work and proactively share our remediation status with other Nordic regulators Regulatory Inspections • • We track closely all regulatory inspections and continue to work through regulatory orders we receive in an open and transparent way with our regulators. Regulatory deliverables are formally documented and progress is frequently communicated to relevant regulators The Bank has completed and closed a number of orders received from inspections following the Estonia case and is progressing in addressing orders received in relation to subsequent AML inspections All remaining orders and recommendations from regulators are incorporated and prioritised in our Financial Crime Plan. We carry out targeted actions to rectify these issues and track them closely to completion. The Bank also addresses topics that are not highlighted in the inspection findings but noted by the Danish FSA Supervisory Oversight The Danish FSA, as well as other relevant FSAs, carry out supervisory oversight of the Bank's remediation work Our recalibrated Financial Crime Plan was submitted to the Danish FSA in November 2021 (its completion date of December 2023 remained unchanged) - the Danish FSA follows its implementation closely. Our other supervisors receive updates on an ad-hoc basis The Danish FSA carries out extensive supervisory oversight of the Bank's financial crime transformation programme. Implementation of the Bank's substantial remediation work is overseen by an Independent Expert assigned by the Danish FSA 26

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