Investor Presentaiton
Investor Presentation - First quarter 2023
Danske Bank
Capital: Prudent CET1 ratio at 18.0%; comfortable buffer to current regulatory
requirements
Capital ratios, under Basel III/CRR (%)
Tier 2
Pillar Il component (total 2.7%)
22.4
22.1
22.3
22.1
Hybrid T1/AT1
CET1
2.4
2.5
2.5
2.5
2.3
1.8
1.8
1.8
18.2
2.6
2.0
1.9
1.5
17.7
17.8
18.0
17.8
13.7
12.0
HE
2021 reported
2022 reported
Q1 2023 reported
Q1 2023
fully loaded*
Fully phased-in reg.
requirement**
CET 1 development (%)
CET1 cap.req.
CET1 buffer
17.8
0.2
0.2
0.2
18.0
4.5
4.7
13.1
Q422
REA
Net profit
after dividend
FX & Deductions
13.5
Q123
Current capital buffer structure (%)
Countercyclical capital buffer
Capital conservation buffer
SIFI buffer (O-SII)
CET1 Pillar Il requirement
CET1 minimum requirement
CET1 target (above 16%)
CET1 01 2023 (18%)
At the end of March 2023, the
trigger point for MDA restrictions
was 13.5%
Total REA (DKK bn]
838
10
lo
13.5
1.8
2.5
3.0
1.7
4.5
Q1 2023
60
822
Q422
Credit risk
Counterparty
risk
Market risk
0123
* Based on fully phased-in rules including fully phased-in impact of IFRS 9.
** Pro forma fully phased-in minimum CET1 requirement in March 2024 of 4.5%, capital conservation buffer of 2.5%, SIFI buffer requirement of 3%, countercyclical buffer of 2.0% and CET1 component of Pillar Il requirement.
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