Investor Presentaiton

Investor Presentation - First half 2022 Danske Bank Credit exposure: Limited exposure to retailing and stable credit quality in commercial real estate Retailing • Total gross exposure increased DKK 3.3bn to DKK 37.6bn, while the share of Group net exposure slightly increased to 1.4%. Accumulated impairments decreased by DKK 0.1bn from the preceding quarter. Retailing by segment, Q2 22 [DKK m) Gross credit exposure Expected credit loss Net credit exposure Consumer discretionary Consumer staples Total 16 689 20 945 37 634 Share of Group net exposure 202202 1% Share of Group net Stage 3 exposure 202202 0% Commercial real estate Gross exposure decreased DKK 11bn from the preceding quarter, driven mainly by a decrease in the residential segment. Overall, credit quality remained stable. Accumulated impairments remains unchanged compared to preceding quarter, and corresponded to 1% of gross exposure to the industry. Commercial property portfolio is managed by a specialist team. Exposure is managed through the Group's credit risk appetite and includes a selective approach to sub-segments and markets. Commercial real estate by segment, Q2 22 (DKK m) Gross credit exposure Non-residential 165 854 589 16 100 Residential 124 047 70 659 20 874 36 974 Property developers 10 628 Buying/selling own property, etc Total 300 529 Expected credit loss 202201 776 Expected credit loss Net credit exposure 1 862 163 991 934 82 123 113 10 546 2878 Share of Group net exposure 202202 11% Share of Group net Stage 3 exposure 202202 12% Expected credit loss 202201 2 889 297 651 37

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