Investor Presentaiton

Investor Presentation - First quarter 2023 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 >680bn* Deposits > DKK 1,100 bn Denmark (AAA) Market leader Market share: 24% Share of Group lending: 43% GDP growth 2023E: 0.5% Unemployment 2023E: 3.1% Leading central bank rate: 2.6% Northern Ireland (AA) Market leader Market share Personal: 19% Business: 25% Share of Group lending: 3% Danske Bank Loans >DKK 1,750 bn Finland (AA+] 3rd largest Market share: 10% Share of Group lending: 8% GDP growth 2023E: -0.2% Unemployment 2023E: 7.0% Leading central bank rate: 3.5% Note: Share of Group lending is before loan impairment charges and excludes Large Corporates & Institutions (17%), Asset Finance (3%) and Global Private Banking (4%)] * Asset Management in LC&I Norway (AAA) Challenger position Market share: 6% Share of Group lending: 10% GDP growth 2023E: 1.0% Unemployment 2023E: 2.1% Leading central bank rate: 3.0% Sweden (AAA) Challenger position Market share: 5% Share of Group lending: 12% GDP growth 2023E: -1.0% Unemployment 2023E: 8.0% Leading central bank rate: 3.5% 2

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