Highlights 12M 2022 Record-breaking profit due to high activity and rising interest rates Profit Core income Costs Impairment charges Bank loans CET1 ratio Dividend Profit of DKK 1,901m – ROE of 14.8% p.a. after tax Core income of DKK 5,194m in 12M 2022 – up by 17% compared with 12M 2021 Costs (core earnings) in 12M 2022 – down by 4% compared with 12M 2021 Impairment charges (loans and advances): an income of DKK 99m in 12M 2022 – of which DKK 12m in Q4 2022 DKK 2.1bn decrease in bank loans in Q4 2022 – and increase DKK 6.9bn in 12M 2022 CET1 ratio of 17.3% – up by 0.1pp in Q4 2022 Proposed dividend of 50% of profit for the year, equal to DKK 16,77 per share 2
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