2
Danske Bank Group by 15th November 2012 One Bank – One Name
From 15th November 2012, the legal and/or trade names of all Danske Bank Group entities will be changed to Danske Bank.
3
Nostro Services: One point of entry — one IT-platform — one SLA
Tailor-made interbank clearing and commercial payments in DKK, SEK, NOK and EUR Customer benefits
Optimised processing and handling (one format) Designated officers in Banking Partners Internet access to transaction details and
balances
Nostro Agent Services
Current accounts in DKK, SEK, NOK and EUR
Payments instructions
DKK — DABADKKK NOK — DABANO22 SEK — DABASESX EUR — DABAIE2D (Ireland) EUR — DABAFIHH (Finland)
For more information see — www.danskebank.com/nostroservices
Your way to Northern Europe
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Payment Services
Bundling of Non-STP and PSD intermediary fee
Possibility for XML formatted file via e-mail
All errors included in reports
Possibility for bundling of OUR fee
Choice of currencies for both monthly and MT190/191 charges (USD, DKK, NOK, SEK, PLN, GBP, EUR) via charge type, bundling or currencies
One account for all charges (Nostro or fee account)
Monthly invoice can be debited your account or claimed
Guaranteed OUR to Nordic beneficiaries
Flexible invoice capabilities for commercial payments
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Business Online — Internet access to your accounts
List of accounts
All (or selected) accounts in one overview regardless of currency
Cleared balance or ledger balance Sorting by account name, account number or
last entry date User definable account names
List of entries for each account
One year history
Search by booking date, value date or amount Sorting by booking date, value date, text or
amount Future entries with calculated balance Business Online agreement
One agreement can cover more entities Accounts are selected for the agreement Individual authorizations for each user e. g.
which accounts are visible No opening fees
For more information see — www.danskebank.com/businessonline
Key features
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Cash Management Partner
Cash Management One point of entry to all markets
Unique IT-platform
Direct access to local clearing systems
SWIFT, EDIFACT or electronic banking
State-of-the-art cash management
solutions including SWIFTNET, MA-CUG/SCORE and TWIST Bank Standard Billing services
Adding value to your corporate clients’ businesses
For more information see — www.danskebank.com/cashmanagement
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Danske Markets — FX, MM, Derivatives, Fixed Income and Equities
For more information see — www.danskemarkets.com
Danske Markets Scandi — market maker in DKK, NOK and SEK Majors — market maker in all major currencies Strong in Emerging Markets (CZK, PLN, HUF,
RUB, LVL, LTL, ZAR, TRY) Structured derivatives (2nd and 3rd generation)
in all currencies Strong internet trading platform: Danske Trader
and multibank platforms including Bloomberg Reuter based RTFX Fixed Income Equities Danske Research
Reuter codes Reuters dealing DANO Opening hours 04.00–21.00 CET (DANC/DANX 21.00–04.00 CET)
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Danske Markets DCM is the market leader in the Nordic region
The DCM team is fully integrated geographically and functionally
We operate out of our offices in Copenhagen, Helsinki, Oslo, Stockholm, London and Dublin
Our primary client focus is on corporates, financials, and SSAs within Danske Bank’s core universe
We work in a close relationship with our client executives and relevant groups within Danske Markets
DCM consists of more than 60 devoted experts in the areas of Origination, Syndication, Sales, Trading and Research
We are responsible for all new issues, sales, trading and counselling of credit products and derivatives
DCM Deal Teams
Origination
16 people based in Copenhagen, Stockholm, Helsinki and Oslo
Syndicate
6 people based in Copenhagen
Sales
22 people based in Copenhagen, Stockholm, Dublin, Helsinki and Oslo
Trading
8 people based in Copenhagen, Stockholm and Oslo
Research
7 people based in Copenhagen, Stockholm and Oslo
Syndicated Loans
8 people based in London
Legal
26 people based in Copenhagen, Stockholm, Oslo, Helsinki and London
Origination
Syndicate
Sales
Trading Research
Syndicated Loans
Legal
Debt Capital Markets is responsible for Danske Bank group clients’ issuance of debt in the capital markets
Danske Markets DCM is the market leader in the Nordic region. We have a deep penetration in the Nordic area and we are expanding our business in Europe and the US
Our strong market position is a result of a dedicated approach to both issuers and investors who are being served by our specialist teams concentrating on servicing our clients in both the primary and secondary market
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This is Finland’s second syndicated euro benchmark issue in 2012 following a Euro 3bn July 2028 issued in February. Additionally Finland issued a non-benchmark Euro 1.5bn July 2042 in June. Finland is not planning further syndicated Euro benchmarks this year
Lead Managers on this deal were Danske Bank, Credit Agricole, Credit Suisse, Deutsche Bank and JP Morgan
Danske Bank was appointed Primary Dealer by Finnish State Treasury last year. Danske has since then become a leading Primary Dealer with a strong investor reach as well as dedicated secondary market making commitment
Issuer Republic of Finland
Ratings AAA/Aaa/ AAA
Notional Amount Euro 4bn
Launch Date 28 Aug 2012
Maturity Date 15 Sep 2022
Coupon 1.625%
Re-offer Spread Mid-Swaps +3 bps (Bund +40.8bps)
Joint Bookrunner Danske Bank
On Tuesday 28th of Aug, The Republic of Finland issued a new Euro 4bn benchmark 10 year transaction
Execution was conducted intraday with initial price thought of MS +5 area communicated to investors at market open. Following positive response from investors, Lead Managers opened books with a guidance of MS +3 to +5 bps
The orderbook grew rapidly and was open only for an hour. At close, the orderbook stood at Euro 8.8bn with162 investors participating . Deal size was capped at Euro 4bn and final pricing set to MS +3
The broad based demand and the exceptionally swift bookbuilding process makes this issue stand out as a success even amongst the typically strong Finland syndications
Republic of Finland — EUR 4bn 1.625% due Sep 2022
6%
18%
Scandinavia
16% Finland
31%
UK
11% Germany
Benelux
12%
Other Europe 5%
Asia
3%
USA & Canada Others
5% Central Banks
13%
Banks 28%
Pension and Insurance
25%
Fund Managers
29%
By country By type
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Central Counterparty Clearing (CCP) — Derivative Clearing
Danske Bank has been clearing member with LCH (London Clearing House) Swap Clear since August 2011 We are able to clear all derivative trades We can offer our CCP services as Executing Broker Please see our Fact sheet on Danske Bank acting as Execution Broker on products eligible for LCH clearing
For further details please contact your Account Manager in Danske Bank Financial Institutions
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Trade Finance in Northern Europe —Your local bank in the region
Danske Bank is a leading trade finance bank in
Northern Europe offering
85% of all transactions handled on-line securing fast and efficient handling
Local trade finance processing units Export financing services available Comprehensive co-operation with local ECAs Extensive risk capacity Normal decision line within same day
Danske Bank uses a Global SWIFT key
arrangement DABADKKK or the regional SWIFT
key
You may therefore send messages to DABADKKK which gives you one point of entry to all countries in the region or use regional SWIFT key
Please update your correspondent banking directory according to the list of Danske Bank trade finance units
For more information see — www.danskebank.com/tradefinance
Trade & Export Finance
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Trade finance in Northern Europe — Your local bank in the region
Denmark Danske Bank Phone: +45 45 14 36 08
SWIFT: DABADKKK E-mail: [email protected]
Sweden
Danske Bank, Stockholm Phone: +46 752 48 12 88 Danske Bank, Gothenburg Phone: +46 752 48 41 71
SWIFT: DABASESX E-mail: [email protected] SWIFT: DABASESXGBG E-mail: [email protected]
Finland Danske Bank Phone: +358 10 546 8049
SWIFT: DABAFIHH E-mail: [email protected]
Norway Danske Bank Phone: +47 85 40 54 58
SWIFT: DABANO22 E-mail: [email protected]
Rep. of Ireland Danske Bank Phone: +353 1 484 21 87
SWIFT: DABAIE2D E-mail: [email protected]
United Kingdom Danske Bank, Belfast Phone: +44 28 90 04 86 83
SWIFT: DABAGB2B E-mail: [email protected]
Germany Danske Bank, Hamburg Phone: +49 40 32 81 16 40
SWIFT: DABADEHH
Estonia Danske Bank SWIFT: FOREEE2X
Latvia Danske Bank SWIFT: MARALV22
Lithuania Danske Bank SWIFT: SMPOLT22
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1. Danske Bank’s covered bond rating For updates on ratings see — www.danskebank.com/ratings
Short term Long term
P-1 Aaa
P-2 Aa11
P-3 Aa2
Aa3
A1
A2
A3
Baa1
Baa2
Baa3
…
Ca
Short term Long term
A-1+ AAA1
A-1 AA+
A-2 AA
A-3 AA-
B A+
C A
D A-
BBB+
BBB
BBB-
…
D
Short term Long term
F1+ AAA1
F1 AA+
F2 AA
F3 AA-
B A+
C A
D A-
BBB+
BBB
BBB-
…
D
Danske Bank is rated by the three international rating agencies
Stable outlook Negative outlook Stable outlook
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Performance Highlights 1H 2012
For more information see — www.danskebank.com/ir
1H 2012/1H 2011 INDEX
Total Income 24,604 23,203 106
Net interest income
12,390 11,339 109
Net trading income
5,684 5,420 105
Expenses 13,482 14,029 96
Loan impairment charges
7,031 5,594 126
Net profit 2,286 1,907 120
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Financial Figures
For more information see — www.danskebank.com/reports
1H 2012/1H 2011 Index
Profit before tax 4,091 3,508 114
Shareholder´s equity
128,118 125,968 102
Total assets 3,480,722 3,127,061 111
1H 2012/1H 2011
ROE (p.a.) 3.6 %/3.3%
Total tier 1 capital ratio 16.2%/16.6%
Total capital ratio 17.7%/18.8%
Cost/income ratio 54.8%/60.5%
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Financial Institutions: Your relationship team
Senior Account Managers
UK, IE, US, FR, NL, BE, LU, TN, DZ & MA Jesper Christensen
Denmark & Faroe Islands Bent Hansen
DE, AT, CH, IS & CEE Ronald Bullock
Nordic countries, IT, ES, PT, GR, CY & Africa Sanne Sylvest
Latin & South America, AU, CA & NZ Peter Marcussen
Institutional Clients DE, AT & CH Jürgen Graffonara
Assistant Account Managers
Anne. T. Ulriksen Leo Knudsen Jeanette Åby Boyd
Middle East & Asia (ex. JP, CN, TW, KR & PH) Michael Jensen
Head of Financial Institutions
JP, CN, TW, KR & PH Peter F. Christiansen
JP, CN, TW, KR Claus Wagenblast-Franck
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Contact Details
For more information see — www.danskebank.com/financialinstitutions
Peter F. Christiansen
First Vice President & Head of FI [email protected] JP, CN, TW, KR & PH
+45 45 12 83 15
Claus Wagenblast-Franck
First Vice President [email protected] JP, CN, TW,KR
+45 45 12 83 21
Jesper H. Cristensen First Vice President
[email protected] UK, Ireland, US, France, Netherland, Belgium,Luxembourg, Algeria, Morocco & Tunisia
+45 45 12 83 25
Ronald Bullock
Senior Account Manager [email protected] Austria, Germany, Iceland, Switzerland & CCE
+45 45 12 83 20
Peter Marcussen
Senior Account Manager [email protected] Canada, Latin & South America, Australia & New Zealand
+45 45 12 83 22
Bent Hansen
Senior Account Manager [email protected] Denmark & Faroe Islands
+45 45 12 83 23
Sanne Sylvest
Senior Account Manager [email protected] Nordic countries, Southern Europe & Africa
+45 45 12 83 06
Michael Jensen
Senior Account Manager [email protected] Asia & Middle East incl. Egypt, Libya & PH
+45 45 13 66 45
Anne T. Ulriksen
Assistant Account Manager [email protected] +45 45 12 83 19
Jeanette Boyd
Assistant Account Manager [email protected] +45 45 12 83 18
Leo Knudsen
Assistant Account Manager [email protected] +45 45 12 83 12
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Disclaimer
Important Notice
This presentation does not constitute or form part of and should not be construed as, an offer to sell or issue or the solicitation of an offer to buy or acquire securities of Danske Bank A/S in any jurisdiction, including the United States, or an inducement to enter into investment activity. No part of this presentation, nor the fact of its distribution, should form the basis of, or be relied on in connection with, any contract or commitment or investment decision whatsoever. The securities referred to herein have not been, and will not be, registered under the Securities Act of 1933, as amended, and may not be offered, exercised or sold in the United States absent registration or an applicable exemption from registration requirements. References to a potential share offering by Danske Bank are included herein pursuant to Rule 135c of the Securities Act of 1933, as amended. This presentation contains forward-looking statements that reflect management’s current views with respect to certain future events and potential financial performance. Although Danske Bank believes that the expectations reflected in such forward looking statements are reasonable, no assurance can be given that such expectations will prove to have been correct. Accordingly, results could differ materially from those set out in the forward-looking statements as a result of various factors many of which are beyond Danske Bank’s control This presentation does not imply that Danske Bank has undertaken to revise these forward-looking statements, beyond what is required by applicable law or applicable stock exchange regulations if and when circumstances arise that will lead to changes compared to the date when these statements were provided