Investor Presentation - First Nine Months 2022
Danske Bank
Investor Presentation - First nine months 2022
We are a Nordic universal bank with strong regional roots
3.3 m
personal and business customers
2,100+
large corporate and institutional
customers
Deposits
Assets under Management
DKK 660bn*
> DKK 1,100 bn
Sound funding structure (DKK bn]
1,819
2,317
168
Senior &
NPS bonds
1,187
Deposits
Bank loans
714
Bank mortgages
395
252
Covered bonds
RD mortgages
710
710
Issued RD bonds
Loans
Funding
Denmark (AAA)
Market leader
Market share: 25%
Share of Group lending: 44%
GDP growth 2022E: 3.0%
Unemployment 2022E: 2.7%
Leading central bank rate: 0.65%
21,000+
employees in
10 countries
Loans
>DKK 1,800 bn
Note: Share of Group lending is before loan impairment charges and excludes Large Corporates & Institutions (19%) and Asset Finance (3%)
* Asset Management in LC&I
Finland (AA+]
3rd largest
Market share: 10%
Share of Group lending: 8%
GDP growth 2022E: 2.0%
Unemployment 2022E: 6.8%
Leading central bank rate: 0.75%
Norway (AAA)
Challenger position
Market share: 6%
Share of Group lending: 11%
GDP growth 2022E: 2.8%
Unemployment 2022E: 1.8%
Leading central bank rate: 2.25%
Sweden (AAA)
Challenger position
Market share: 6%
Share of Group lending: 12%
GDP growth 2022E: 2.4%
Unemployment 2022E: 7.4%
Leading central bank rate: 1.75%
Northern Ireland (AA)
Market leader
Market share Personal: 19%,
Business: 26%
Share of Group lending: 3%
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