Business Units Meeting Feedback

Danske Bank management targets 3-4% loan growth driven by corporate demand and is aggressively deploying AI to handle 50-60% of customer inquiries. Goldman Sachs maintains a Neutral rating with a DKK 365 price target.

Key Takeaways

• 1.Loan growth is expected to be 3-4% annually, primarily driven by the corporate sector (6-7% growth) as household demand remains cautious.
• 2.The Danish mortgage market is highly competitive with stable margins; Danske focuses on service speed (2-hour response) and brand over aggressive pricing.
• 3.AI is being heavily integrated for operational efficiency, currently handling 20% of inquiries with a target of 50-60%.

Table of Contents

• Valuation and Risks
• Disclosure Appendix
• GS Factor Profile
• M&A Rank
• Quantum
• Disclosures
• Company-specific regulatory disclosures
• Regulatory disclosures
• Ratings, coverage universe and related definitions
• Global product; distributing entities
• General disclosures

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