Investor Presentation - FY 2022

Danske Bank Investor Presentation - FY 2022 We are a Nordic universal bank with strong regional roots 3.3 m personal and business customers 2,000+ large corporate and institutional customers 20,000+ employees in 10 countries Assets under Management DKK >660bn* Sound funding structure (DKK bn] 1,803 2,297 145 Senior & NPS bonds 1,170 Deposits Bank loans 685 Deposits > DKK 1,100 bn Bank mortgages 391 255 Covered bonds RD mortgages 727 727 Issued RD bonds Loans Funding Denmark (AAA) Market leader Market share: 25% Share of Group lending: 45% GDP growth 2023E: -1.0% Unemployment 2023E: 3.1% Leading central bank rate: 1.75% Loans >DKK 1,800 bn + Note: Share of Group lending is before loan impairment charges and excludes Large Corporates & Institutions (18%) and Asset Finance (3%) * Asset Management in LC&I Finland (AA+) 3rd largest Market share: 10% Share of Group lending: 8% GDP growth 2023E: -0.7% Unemployment 2023E: 7.3% Leading central bank rate: 2.0% Norway (AAA) Challenger position Market share: 6% Share of Group lending: 11% GDP growth 2023E: 0.6% Unemployment 2023E: 2.2% Leading central bank rate: 2.75% Sweden (AAA) Challenger position Market share: 5% Share of Group lending: 12% GDP growth 2023E: -1.2% Unemployment 2023E: 8.2% Leading central bank rate: 2.50% Northern Ireland (AA) Market leader Market share Personal: 19% Business: 25% Share of Group lending: 3% 2

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