Investor Presentaiton
Investor Presentation - First half 2022
Credit quality: Low level of actual credit deterioration
Danske Bank
Stage 2 and 3 as % of net exposure
Allowance account by business unit (DKK bn]
11
10
4
Stage 2 net exposure (% of Total, lhs)
PC
BC
LC&I
8.7
Stage 3 net exposure (% of Total, rhs)
22.8
23.3
N.I.
23.3
Other (Non-core]
23.0
22.7
900 N
20.6
3
19.8
8
5.5
5.5
5.4
7
5.8
5.2
3.6
3.4
5.5
2
65 321 O
1.4
4
10.1
10.3
10.4
10.0
10.2
9.8
9.8
1.0
1
5.1
5.9
5.7
5.6
5.7
5.5
5.8
0
0
01 2020 02 2020 03 2020 04 2020 Q1 2021 02 2021 03 2021 04 2021 01 2022 02 2022
042020
012021
Q2 2021
03 2021
042021
012022
022022
Breakdown of stage 2 allowance account and exposure (DKK bn]
Gross stage 3 loans (DKK bn]
Allowance
account
Gross credit
Allowance as % of gross
Individual allowance account
54.3
Net exposure
52.6
exposure
exposure
48.8
47.4
46.0
13.3
Personal customers
1.5
971
0.15%
13.3
12.9
13.4
Agriculture
1.0
66
1.46%
12.4
35.8
34.9
Commercial property
1.5
301
0.49%
9.9
9.9
Shipping, oil and gas
0.2
41
0.37%
41.0
39.3
Services
0.2
64
0.26%
35.9
33.9
33.6
25.9
25.0
Other
2.5
1,177
0.21%
042020 012021
02 2021 03 2021
042021
012022
0222
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