Danske Bank A/s · OMXCOP:DANSKE
Danske Bank A/s — Danske Mortgage Bank — Debt Investor Presentation (November 2025)
6 slides from Danske Bank A/s's debt investor presentation, November 2025
Slide 1: Danske Mortgage Bank Plc – Investor presentation Q3/2025
Danske Mortgage Bank Plc – Investor presentation Q3/2025
Slide 2: Danske Mortgage Bank Plc - Key messages
Danske Mortgage Bank Plc - Key messages Provider of EUR covered bond funding to the Group’s Finnish housing loans Expected to issue 1-2 benchmark covered bonds per year, subject to the Group’s funding plan Danske Mortgage Bank Plc operates a single cover pool compliant with the Covered Bond Directiv
Slide 3: Danske Mortgage Bank Plc – Purpose and structure
Danske Mortgage Bank Plc – Purpose and structure Danske Bank Group is committed to the Finnish mortgage market Danske Mortgage Bank Plc – Business Model Loan origination Principal and • Danske Mortgage Bank Plc (DMB) is a wholly owned subsidiary interest Finnish mortgage Danske Bank A/S of Danske Ba
Slide 4: 2025 and beyond, more of the same
Danske Mortgage Bank Plc – 2025 and beyond, more of the same • EUR 3.5bn covered bonds outstanding at end-Sep 2025 The Finnish covered bond benchmark curve 55 ‒ Issued Nov ‘25 EUR 0.5 bn short 3Y and EUR 0.75 bn 7Y 50 45 40 • EUR 9.0bn available housing loan collateral in DMB and Finland Branch afte
Slide 5: Cover pool characteristics (as of 30th September 2025)
Danske Mortgage Bank PLC Cover pool characteristics (as of 30th September 2025) Key information Pool notional EUR 5.404 bn WA LTV 58.1% -hereof substitute assets 0.007 bn WA seasoning 5.2 years Collateral type 100% residential Repayment type 95.9% amortizing, 4.1% interest only Pool type Dynamic Num
Slide 6: Effect of market value declines on LTVs and eligible assets
Danske Mortgage Bank Plc - Effect of market value declines on LTVs and eligible assets Residential real-estate price sensitivity: Effect of simulated market value declines on eligible asset volumes (pool cut-off date 30-09-2025) 6,0 Key points 5,0 Over collateralisation Moderate effects: • A 20% fal
Danske Mortgage Bank — Debt Investor Presentation (November 2025) on 6ix