Distribution of Revenues by Industry:

• Retail Banking: approx. 40%
• Corporate & Institutional Banking: approx. 30%
• Wealth Management: approx. 20%
• Other Services: approx. 10%

TOP 3 Markets and their Percentage Shares:

• Denmark: approx. 50%
• Sweden: approx. 20%
• Norway: approx. 15%

Danske Bank A/S generates the majority of its revenues from Retail Banking, followed by Corporate & Institutional Banking. The Danish market is the strongest, followed by Sweden and Norway. These markets are crucial for the bank's business development as it has a strong presence and market share here.

Production: No physical production

Danske Bank A/S is a financial services company and does not produce physical products. Instead, the bank offers a variety of financial services, including banking, mortgages, insurance, and asset management. These services are mainly provided in the Nordic countries such as Denmark, Sweden, Norway, and Finland.

Strategy for Future Growth:

1. Digitalization and Technology Investments: Danske Bank is increasingly focusing on digitalizing its services to enhance customer experience and improve operational efficiency. This includes investments in new technologies and the development of digital platforms.

2. Sustainability and Green Financial Products: The bank is concentrating on sustainable financial solutions and has committed to aligning its loans and investments with the goals of the Paris Agreement. This involves promoting green bonds and sustainable investments.

3. Customer-Centricity and Personalization: Another key focus is on enhancing customer relationships through personalized services and products. The bank utilizes data analytics to develop tailored offers that meet the individual needs of customers.

Danske Bank is pursuing these strategies to strengthen its market position and secure long-term growth. The focus on digitalization and sustainability reflects current trends in the financial industry and aims to increase both efficiency and attractiveness for customers.

Main Imported Raw Materials/Supplies: Paper, IT hardware, office supplies

Countries of Origin: EU countries, USA, China

Danske Bank A/S is primarily active in the financial sector and therefore does not import raw materials in the traditional sense like a manufacturing company. Instead, the import demand focuses on materials and products necessary for the bank's operations, such as paper for documentation, IT hardware for technical infrastructure, and general office supplies.

These materials are mainly sourced from EU countries, the USA, and China, as these regions are leading in the production of IT hardware and office supplies. The bank ensures to make its supply chains efficient and sustainable to ensure smooth operations.

Market share in Denmark: approx. 26% (2024)
Return on Equity (ROE): 9.8% (2024)
Cost-Income Ratio: 52% (2024)

Danske Bank A/S is one of the leading banks in Denmark and holds a significant market share of around 26%. This gives it a strong competitive advantage in the domestic market. The bank benefits from an established customer base and an extensive branch network that strengthens its presence in the region.

The return on equity of 9.8% indicates that the bank is able to efficiently utilize its resources to generate profits. This is an indicator of solid financial health and competitiveness compared to other banks in the region.

With a cost-income ratio of 52%, Danske Bank is operating in an efficient range, meaning that it has good control over its operating costs and is operating profitably. This efficiency is another competitive advantage that enables the bank to succeed in a highly competitive market environment.

In summary, Danske Bank A/S has a clear competitive advantage in Denmark due to its strong market position, efficient operations, and solid financial performance.

Institutional investor share: approx. 60% (estimated, 2025)
Insider purchases/sales: No significant transactions known (2025)

The institutional investor share in Danske Bank A/S is estimated to be around 60%. This is typical for large publicly traded companies where institutional investors such as pension funds, investment funds, and insurance companies hold a significant portion of the shares.

No significant insider transactions are known for the year 2025. This indicates that there were no extraordinary movements of shares by individuals with access to confidential information within the company. Such information is important as it is often seen as an indicator of management's confidence in the company's future development.

Market share Danske Bank A/S: Estimate 8% (2025)

Top competitors and their market shares:

1. Nordea Bank Abp: Estimate 12%
2. Svenska Handelsbanken AB: Estimate 10%
3. SEB Group: Estimate 9%
4. Swedbank AB: Estimate 8%
5. DNB ASA: Estimate 7%

Danske Bank A/S is one of the leading banks in the Nordic region, but there are several strong competitors that have similar market shares. Danske Bank's market share is around 8%, making it a significant player, but not the market leader.

Danske Bank's moat could be considered moderate. The bank benefits from strong brand recognition, a wide range of products, and an established customer base in Denmark and the Nordic countries. However, some of the competitors, especially Nordea and Svenska Handelsbanken, also have strong positions and could have advantages in certain areas, such as digitization or international expansion.

Overall, competition in the Nordic banking landscape is intense, and while Danske Bank has some competitive advantages, they are not so pronounced as to constitute a significant moat compared to the strongest competitors.

Revenue growth: 8.2% (2024)
Profit growth: 10.5% (2024)
Return on equity: 9.8% (2024)

Danske Bank A/S recorded a revenue growth of 8.2% in 2024, attributed to the successful implementation of its strategic initiatives and a recovery in economic conditions in its core markets. The profit growth of 10.5% indicates improved efficiency and cost savings within the bank.

The return on equity of 9.8% in 2024 suggests a solid profitability, which can be considered competitive compared to many other European banks. This metric shows that the bank is able to generate adequate returns from its equity.

In summary, Danske Bank A/S can be considered a potentially good investment due to its solid financial performance and positive development in recent years. However, investors should also consider the macroeconomic conditions and regulatory developments in the Nordic countries that could influence the bank's future performance.

Dividend yield: 4.5% (2024)

Dividend history: Continuous payout over the last five years

Danske Bank A/S has been paying dividends in recent years and shows a dividend yield of 4.5% for the year 2024. The bank has a solid history of dividend payments, indicating a reliable payout policy.

The stability of the dividend is supported by the bank's solid financial performance and strategic measures to strengthen its profitability. Analysts estimate that the bank will also be able to pay an attractive dividend in the coming years, provided that no significant economic or regulatory changes occur.