Housing Market and Credit Assessment

Loan portfolio 9 Loan portfolio by property category 2.7% Loan portfolio by loan type Owner occ. dwellings & holiday homes 8.5% 7.3% Private rental housing 11.2% Total Commercial properties 100% 3.9% 2.9% 2.1% 1.9% 5.1% 26.4% 27.6% 27.9% 28.5% 29.3% ARM 1-2Y 75% 26.9% 25.3% 23.4% 21.2% 21.1% ARM 3-10Y 50% DKK 441.2 bn ■Floating Rate ■Agricultural properties 25% 48.2% 47.7% 41.6% 43.2% 45.8% 70.3% ■Fixed Rate Other properties Share of interest-only mortgages 55% 0% Q4 2018 Q4 2019 Q4 2020 Q4 2021 Q1 2022 Market share 1 - 14.3% overall 20% 50% 51.9% 50.8% 47.2% 45.5% 45.8% 45% 40% 35% 30% 15% 10% 4.2% 5% 11.4% 10.6% 14.7% 17.1% ||||| .I| Q4 2018 Q4 2019 Q4 2020 Q4 2021 Q1 2022 Owner occ. 0% Other properties Private rental Commercial Agricultural housing properties properties holiday homes 1) Market share of the Danish mortgage credit market dwellings & Nordea

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