Introduction4 Credit and customer policy 5 Rating6 Industry breakdown 14 Focus on agriculture 17 Focus on retail clients 18 Concentration20 Collateral22 Impairment charges 24 Exposures affected by macroeconomic uncertainty 26 Financial counterparties 28 Appendix 1 – Supplementary tables 29 Appendix 2 – Glossary 37 The Credit Risk report for 2022 is available in Danish at sydbank.dk and in English at sydbank.com. In case of doubt the Danish version applies. Credit Risk 2022· 3
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