Investor Presentation - FY 2023

Investor Presentation - FY 2023 Danske Bank Strong footprint within retail lending Lending by segment ¹ 04 23 (%) 15% 3% LC&I Other LC&I General Banking 3% Asset Finance 3% Northern Ireland Total lending DKK 1,956 bn 24% Personal Customers DK Credit exposure by industry 04 23 (%, rounded) Personal customers Public institutions Commercial property Co-ops & Non-profit Financials Capital goods Utilities and infrastructure Consumer goods Services Pulp, paper and chemicals Agriculture נס 6 4 3 3 3 J M M M N22 00 12 11 of which residential (5%) 33% Business Customers 1Total lending before loan impairment charges. 34 Construction and building 15% Pharma and medical devices 2 Personal Customers Nordic Shipping, oil and gas Retailing 1 Social services Automotive Telecom and media 1 Transportation Metals and mining 4% Total credit exposure Hotels and leisure <1 Private Banking Other commercials <1 DKK 2,548 bn 40

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