Investor Presentation - FY 2023
Investor Presentation - FY 2023
Credit quality: Low level of actual credit deterioration
Stage 2 and 3 as % of net exposure
Allowance account by business unit (DKK bn]
9
HOOD 876543210
11
10
6%
1.2%
0419
0420
0421
Danske Bank
4
PC
BC
LC&I
N.I.
Other (Non-core]
Stage 2 net exposure (% of Total, Ihs]
23.0
Stage 3 net exposure (% of Total, rhs]
22.7
20.6
3
19.8
19.6
19.7
18.8
19.4
19.9
20.1
5.4
5.2
3.6
3.4
3.1
2.9
2.9
3.3
3.3
3.6
0422
5%
2
10.4
10.2
9.8
9.8
10.2
10.3
10.2
10.5
10.7
9.6
0.9%
1
5.6
5.7
5.5
5.8
4.8
5.4
5.6
5.4
5.3
5.3
0
0423
0321 0421 0122 0222 0322
0422
0123 0223 0323 0423
Stage 2 allowance account and exposure (DKK bn]
Gross stage 3 loans (DKK bn]
Allowance account Gross credit exposure
Allowance account as
% of gross exposure
Individual allowance account
Net exposure
52.6
Personal customers
1.6
867
0.18%
46.0
13.3
Agriculture
0.7
62
1.07%
12.4
35.8
34.9
35.8
33.4
32.2
32.7
31.0
29.9
Commercial property
1.8
295
0.61%
9.9
8.7
9.9
8.7
8.3
8.1
9.1
8.0
Shipping, oil and
gas
0.1
41
0.18%
39.3
33.6
Services
0.3
72
0.42%
25.9
25.0
24.7
27.1
23.9
22.9
21.9
23.6
Other
3.0
1,232
0.25%
Total
7.5
2,568
0.29%
Q321
0421
0122 0222
0322 0422 0123 0223 Q323 0423
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