Investor Presentation - First Nine Months 2022
Investor Presentation - First nine months 2022
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]
11
10
9
4
Stage 2 net exposure (% of Total, lhs)
PC
BC
LC&I
N.I.
Stage 3 net exposure (% of Total, rhs)
22.8
23.3
23.3
Other [Non-core]
23.0
22.7
1606
20.6
3
19.8
8
18.8
5.5
5.5
5.4
7
6.08
5.8
5.2
3.6
3.4
3.6
65
5.20
2
4
1
32 O
1.20
10.1
10.3
10.4
10.2
10.0
9.8
9.8
9.6
0.95
1
5.1
5.9
5.7
5.6
5.7
5.5
5.8
4.8
0
04
01
02
03
04
03
2019 2020 2020 2020 2020 2021 2021 2021 2021 2022
01
02
04
Q1
Q2
Q3
2022 2022
04 2020 012021 02 2021
Q3 2021
042021
Q1 2022
022022
03 2022
Breakdown of stage 2 allowance account and exposure (DKK bn]
Gross stage 3 loans (DKK bn]
Allowance
Gross credit
Allowance as % of
Individual allowance account
Net exposure
54.3
52.6
account
exposure
gross exposure
48.8
47.4
46.0
Personal customers
1.8
920
0.19%
13.3
13.3
12.9
Agriculture
0.8
65
1.28%
13.4
12.4
35.8
34.9
33.4
Commercial property
1.6
296
0.53%
9.9
9.9
8.7
Shipping, oil and gas
0.0
41
0.05%
41.0
39.3
Services
0.2
65
0.35%
35.9
33.9
33.6
25.9
25.0
24.7
Other
2.7
1,219
0.22%
Total
7.1
2,606
0.27%
042020 Q1 2021
022021
03 2021
042021
01 2022 Q2 2022 03 2022
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