Investor Presentation - FY 2022
Investor Presentation - FY 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
4
Stage 2 net exposure (% of Total, lhs]
PC
BC
LC&I
N.I.
Other (Non-core]
10
69
Stage 3 net exposure (% of Total, rhs]
22.8
23.3
23.3
23.0
22.7
20.6
3
19.8
19.6
0 2653210
8
7
6.08
18.8
6.70
5.5
5.5
5.4
5.8
5.2
3.6
3.4
3.1
3.6
2
טו
4
1.20
10.1
10.3
10.4
10.2
9.8
9.8
10.2
10.0
9.6
0.95
1
5.1
5.9
5.7
5.6
5.7
5.5
5.8
4.8
5.4
0
Q4
Q1
02 03 04
Q1
02 03 Q4
Q1
2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022
02
03
Q4
2022 2022
04 2020 01 2021 02 2021 03 2021 04 2021 Q1 2022 Q2 2022 03 2022 04 2022
Breakdown of stage 2 allowance account and exposure [DKK bn]
Gross stage 3 loans (DKK bn]
Allowance
account
Gross credit
Allowance as % of
Individual allowance account
Net exposure
54.3
exposure
gross exposure
52.6
48.8
Personal customers
2.0
902
0.23%
47.4
46.0
13.3
13.3
Agriculture
0.9
64
1.35%
12.9
13.4
12.4
35.8
34.9
33.4
32.2
Commercial property
2.2
301
0.73%
9.9
9.9
8.7
8.3
Shipping, oil and gas
0.0
41
0.07%
41.0
Services
0.2
67
0.30%
39.3
35.9
33.9
33.6
25.9
25.0
24.7
Other
2.7
1,156
0.24%
23.9
Total
8.1
2,532
0.32%
04 2020 Q1 2021 02 2021 03 2021 04 2021 01 2022 02 2022 03 2022 04 2022
36View entire presentation