Investor Presentation - FY 2022

Investor Presentation - FY 2022 Danske Bank covered bond universe, a transparent pool structure¹ Danske Bank Residential mortgages . Denmark, D-pool • Norway, l-pool • Sweden, Danske Hypotek AB • Finland, Danske Mortgage Bank Plc Commercial mortgages • Sweden and Norway, C-pool Residential and commercial mortgages Danske Bank REALKREDIT Danmark Π . Capital Centre T (adjustable-rate mortgages) Capital Centre S (fixed-rate callable mortgages) Danske Bank A/S C-pool S&P AAA Fitch AAA + + Danske Bank A/S I-pool S&P AAA Fitch AAA + Norway Sweden + Danske Hypotek AB S&P AAA Nordic Credit Rating AAA Realkredit Danmark A/S S&P AAA Fitch AAA Scope AAA Danske Bank A/S D-pool S&P AAA Fitch AAA Denmark 1 The migration of Swedish residential loans from Danske Bank's I-pool and Swedish residential-like loans from Danske Bank's C-pool to Danske Hypotek AB, is ongoing. Details of the composition of individual cover pools can be found on the respective issuers' website. Finland Danske Mortgage Bank Plc Moody's Aaa 45

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