Investor Presentation - FY 2023

Investor Presentation - FY 2023 Danske Bank Better Bank strategy exceeding targets while enhancing the resilience of Danske Bank and laying a strong foundation for Forward '28 execution Our 2023 targets FY2023 Our 2026 targets to measure the success of Forward '28 8.5-9% ROE C/I mid 50s 13% 48% ✓ Personal Customers Number of meetings per adviser (Index: 2023 = 100) 163 13% 16% CET1 19% Net new customer households in growth segments** Return on Equity 31k >16% CET1 Top 2 customer PC BC LC&I satisfaction rank in Customer satisfaction with Mobile Banking 8.5 ~45% Cost/Income each market* ~4 ~3 ~2 Business Customers Income growth mid corporate customers** 800m Capital distribution - Employee 75 71 engagement rank Credit cases with automatic decisioning 50% Nordic average 0221 0423 Achievements in focus areas Increase in customers highly satisfied with advisory*** +15% - Society DKK 365bn in sustainable financing and Paris Agreement aligned targets for our lending portfolio LC&I Number of new customers 40 outside Denmark** Dividend potential from 2023- 2026 of above DKK 50 bn ■ Accelerated dividend by H123 results targeting the higher end of the 40-60% policy range Ambition for further distribution - subject to capital position and market conditions - Compliance under control Annual growth in Daily Banking fees in BC and LC&I 5% - Finalised GFCP plan - Other gains and higher engagement - since 0419 Agile transformation: Delivering on efficiency Group-wide cost programme: 10% FTE reduction *PC and BC: Weighted average based on income per country, LC&I: Weighted average of Prospera metrics. ** Increase vs 2023 baseline. *** Increase vs 2022 baseline. Ranking in Capital Markets advisory fees Top 2 - Increased investments Increase yearly digital and tech investments by DKK 1 bn 8

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