Investor Presentaiton
Danske Bank
Investor Presentation - First half 2022
Business unit progress: Continued progress on our journey towards 2023 ambitions (1/2)
Personal
Customers
DK & Nordic
Key financial metrics
YoY
QoQ
Lending*
101
100
95
DK
100
DK
99
99
104
90
SE
103
101
105
Nordics
99
116
100
103
NO
100
101
98
FI
100
100
Lending Yoy Lending QoQ
Total Income**
NII
Fee + Trading
Key commercial highlights
PC DK: Momentum in terms of regaining our fair share of the market for bank
loans and customer flow continue to improve (15-25% less outflow over the last
year]
PC Nordic: Continued traction on lending in SE and NO, as well as enhanced
profitability outlook for NO after extension of partnership agreement
Despite financial market volatility, investment advisory meetings increased
~10% in Q2 and there is continually inflow into investment agreements
Continued traction on increasing share of customers onboarded digtally to free
up advisory time by digitalising day-to-day banking meetings
YOY
QoQ
Lending*
XC
102
DK
100
110
105
SE
104
103
107
97
ΝΟ
103
Business
Customers
BC
106
Total Income
115
95
FI
109
101
■Lending Yoy Lending QoQ
NII
Fee + Trading
*In local currency and excluding fair-value effects in DK
** Total income adjusted for effects from the sale of DB Luxembourg
•
.
•
Solid income uplift driven by both NII and fee
Good momentum on lending volumes in DK and SE, both in which we captured
market share on bank lending during 2022
Expanded green product offering with the launch of new green loans, available
for all business customers, within electric transportation, energy (solar and
wind) as well as energy efficient buildings
Activity through digital channels and self-service continues to increase and new
third party solution for expense management implemented
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