Investor Presentaiton
Investor Presentation - First quarter 2023
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]
4
11
Stage 2 net exposure (% of Total, lhs]
10
69
Stage 3 net exposure (% of Total, rhs)
PC
23.3
BC
LC&I
N.I.
Other (Non-core]
23.3
23.0
22.7
20.6
3
19.8
19.6
19.7
8
7
6%
18.8
5.5
5.5
5.4
5.2
3.6
3.4
3.1
2.9
3.6
4
1.2%
0 265321O
6%
2
10.1
10.3
10.4
10.2
9.8
9.8
10.2
10.3
9.6
0.9%
1
5.9
5.7
5.6
5.7
5.5
5.8
4.8
5.4
5.6
04
Q1
Q4
Q1
Q2
Q2 03
2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 2022 2022 2023
Q3
04
Q1
02
Q3
Q4
Q1
0
01 2021 02 2021 03 2021 04 2021 01 2022 02 2022 03 2022 04 2022 01 2023
Breakdown of stage 2 allowance account and exposure (DKK bn]
Gross stage 3 loans (DKK bn]
Allowance account
Gross credit exposure
Allowance account as %
of gross exposure
Individual allowance account
54.3
Net exposure
52.6
Personal customers
2.01
884
0.23%
47.4
46.0
13.3
13.3
Agriculture
0.85
63
1.35%
13.4
12.4
35.8
34.9
33.4
32.2
31.0
Commercial property
2.13
294
0.73%
9.9
9.9
8.7
8.3
8.0
Shipping, oil and gas
0.03
39
0.07%
41.0
39.3
33.9
33.6
Services
0.32
66
0.49%
25.9
25.0
24.7
23.9
23.0
Other
3.03
1,226
0.25%
Q1 2021 Q2 2021 03 2021 04 2021 01 2022 02 2022 03 2022 04 2022 01 2023
Total
8.38
2,572
0.33%
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