Investor Presentaiton

Investor Presentation - First quarter 2023 Danske Bank covered bond universe, a transparent pool structure¹ Danske Bank CLIFT Danske Bank Residential mortgages • Denmark, D-pool • Norway, I-pool Danske Bank A/S C-pool S&P AAA Fitch AAA . Sweden, Danske Hypotek AB Finland, Danske Mortgage Bank Plc Commercial mortgages Sweden and Norway, C-pool Danske Bank A/S I-pool S&P AAA Fitch AAA REALKREDIT Danmark Residential and commercial mortgages Π . Capital Centre T (adjustable-rate mortgages] Capital Centre S (fixed-rate callable mortgages) Realkredit Danmark A/S S&P AAA Fitch AAA Scope AAA Norway Denmark Danske Bank A/S D-pool S&P AAA Fitch AAA 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. + + Finland Danske Mortgage Bank Plc Moody's Aaa Sweden + Danske Hypotek AB S&P AAA Nordic Credit Rating AAA Details of the composition of individual cover pools can be found on the respective issuers' website. 46

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