Investor Presentation - FY 2022

Investor Presentation - FY 2022 Deep dive: Overview of ESG integration in Danske Bank's lending operations Multiple types of approaches are implemented to consider ESG factors both at company and portfolio levels 1. Position statements 2. Single-name ESG analysis Danske Bank 3. Portfolio-level ESG analysis ■ Our position statements are a key tool for aligning with societal goals and communicating our approach to selected themes and sectors with elevated ESG risks Human rights Climate change - Agriculture Arms and defence ESG analysis is conducted for all large corporate clients using an internally prepared ESG risk tool ■Tool is developed around the concept of financial materiality i.e. how the financial performance of the company might be affected by environmental and social trends, legislation and factors ■ External sources for the tool include: Carbon disclosures for business areas and key sectors published in Danske Bank's Climate Action Plan from January 2023 ■ Decarbonisation targets set towards 2030, incl. for high-emitting sectors, with SBTi approval pending ■ Joined PBAF and Finance for Biodiversity Pledge to support efforts to measure and report on how we impact nature through our financing and investing activities by the end of 2024 Climate change Human rights Arms & defence Agriculture Position Statement on Fossil F Mining and metals Fossil fuels Mining & metals Forestry SASB INSIDE Financially material ESG factors SUSTAINALYTICS ESG risk exposure and management Forestry RepRisk ESG data science and quantitative solutions ESG controversies CDP DISCLOSURE INSIGHT ACTION Climate-related financial risks and opportunities Danske Bank's Climate Action Plan Danske Bank 25

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