Contents Financial Review Highlights 5 Group Financial Highlights 10 Summary11 Performance in 2019 14 Capital Management 24 Investor Relations 28 Mission Statement and Business Goals 29 Organisation and Corporate Governance 36 Sydbank’s Corporate Social Responsibility 44 Financial Statements Financial Statements – contents 51 Income Statement 52 Statement of Comprehensive Income 52 Balance Sheet 53 Statement of Changes in Equity 54 Cash Flow Statement 56 Notes57 Statements and Reports Management Statement 128 Auditors’ Reports 130 Management, Organisation etc Notice Convening the Annual General Meeting 134 Board of Directors 136 Group Executive Management 142 Organisation144 The 2019 Annual Report is available in Danish at sydbank.dk and in English at sydbank.com. In case of doubt the Danish version will apply. 2019 Annual Report / SYDBANK 7
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