Investor Presentaiton

Danske Bank Investor Presentation - First half 2022 Realkredit Danmark portfolio overview: Continued strong credit quality with decreasing LTVs and continued improving trend for higher margin products Highlights Portfolio facts, Realkredit Danmark, Q2 22 . Approx. 321,397 loans (residential and commercial) . • Average LTV ratio of 48% (46% for retail, 51% for commercial) We comply with all five requirements of the supervisory diamond for Danish mortgage credit institutions 708 loans in 3- and 6-month arrears (-8% since 01-22) • 7 repossessed properties (Q1-22: 3) . DKK 6 bn in loans with an LTV ratio > 100%, including DKK 4 bn covered by a public guarantee LTV ratio limit at origination (legal requirement) Retail loans, Realkredit Danmark, Q2 22 (%) Fixed rate (10yrs-30 yrs) Variable rate (6m-10 yrs) Interest-only Repayment ( ) = Q1-22 47.5% 52% (49%) (51%) 50% (45%) 57% (63%) 52.5% 48% (51%) (49%) 50% (55%) 43% (37% . Residential: 80% • Commercial: 60% Total RD loan portfolio of FlexLånⓇ F1-F4 [DKK bn] 165 156 153 148 144 146 142 134 124 113 110 104 95 92 89 84 75 72 69 67 40 Stock of loans: DKK 448 bn (450bn) New lending: DKK 26 bn (33bn) Retail mortgage margins, LTV of 80%, owner-occupied (bp) Adjustable rate¹ 64 69 111 106 86 68 143 138 118 101 Q1 02 03 Q4 01 02 03 04 Q1 Q2 03 04 01 02 03 04 01 02 03 Q4 Q1 02 1-2 yrs 3-4 yrs 5 yrs+ 2017 2018 2019 2020 2021 '22 Fixed rate 1-2 yrs 3-4 yrs 5 yrs+ Fixed rate Interest-only Repayment 1 In addition, we charge 30 bp of the bond price for refinancing of 1- and 2-year floaters and 20 bp for floaters of 3 or more years (booked as net fee income). 19

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