Danske Bank A/S Due Diligence

Run due diligence on Danske Bank A/S: check compliance and get alerts when suppliers or ownership change.

Denmark · owned by Independent (Denmark) · danskebank.com · 53 vendors

Danske Bank is a Nordic bank with strong local roots and bridges to the rest of the world. The bank operates across Denmark, Finland, Norway, Sweden, and Northern Ireland, providing banking services to personal and business customers.

Resilience scores

Technology vendors

Services catalogue

4 services in catalogue across 1 category; runs on 53 sub-vendors.

Insights

Last updated 2026-10-11 · revision 13

53 direct vendors, 285 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

11 in-scope frameworks identified; showing 3.

ISO 27001 (source) — No public evidence

ISO 27001 is a globally recognized standard for information security management. For a major bank, certification is a key market expectation to demonstrate robust security practices to customers, partners, and regulators.

Evidence: https://danskebank.com/suppliers/sourcing-process/conditions

MiFID II — Evidence found

Danske Bank provides investment services, including securities brokerage and asset management, to clients across the EU, placing it directly within the scope of the Markets in Financial Instruments Directive II.

Evidence: https://danskebank.fi/en/for-businesses/pages/mifid/mifid2, https://danskebank.fi/en/for-businesses/pages/mifid/mifid, https://danskebank.dk/privat/news/mifid2-better-insights-into-your-investments, https://danskeci.com/ci/mifid-ii/mifid-ii, https://thebanks.eu/banks/12862, https://www.investing.com/equities/danske-bank-a-s-company-profile

CSRD (source) — Evidence found

Danske Bank is a large undertaking with securities listed on a regulated EU market, which falls directly into the scope of the CSRD. The directive mandates detailed sustainability reporting according to European Sustainability Reporting Standards (ESRS).

Evidence: https://danskebank.com/news-and-insights/news-archive/press-releases/2025/pr07022025, https://nordicsustainability.com/projects/danske-bank-csrd-materiality-assessment/, https://www.unepfi.org/wordpress/wp-content/uploads/2025/03/PRB_CS_Danske-Bank.pdf, https://danskebank.com/-/media/danske-bank-com/file-cloud/2026/2/corporate-governance-report-2025.pdf?rev=0bfb0ceff47e401f83462997d50dfac3

Financials

Three-year financials

Financial Resilience Score: 8/10

Danske Bank demonstrates strong financial resilience as a well-capitalized Nordic universal bank. The CET1 capital ratio of 17.3% at end-2025 and liquidity coverage ratio of 156% (with DKK 556 billion LCR reserve) are well above regulatory requirements, providing substantial buffers against adverse scenarios. Credit ratings were upgraded during 2025 by Moody's (A1), Fitch (AA-), and Scope (A+), reflecting market confidence in the bank's capital position and resolution framework. Return on equity is stable at 13.3% with a healthy cost/income ratio of 45.5%, and the group executed a 100% payout of 2025 net profit through dividends and a DKK 4.5 billion share buyback. The bank's diversified Nordic franchise across Denmark, Sweden, Finland, Norway, and Northern Ireland—combined with banking, mortgage, insurance, asset management, and markets activities—mitigates concentration risk. Credit quality remains stable with loan impairment allowance at 1.05% of credit exposure and a modest DKK 294 million net impairment charge in 2025. The December 2025 closure of the three-year US DoJ corporate probation on the Estonia matter removes a major regulatory overhang. However, lingering civil claims of DKK 12.8 billion related to Estonia (main hearing scheduled 2027), significant commercial real estate exposure (~DKK 282 billion), and macro/geopolitical risks (maintained via DKK 5.4 billion post-model adjustments) prevent a higher score. The 2022 loss driven by Estonia provisions and interest-rate normalization pressuring deposit margins also warrant caution.

Key strengths: CET1 capital ratio of 17.3% and LCR of 156% well above regulatory requirements, Credit rating upgrades in 2025 from Moody's, Fitch, and Scope, Stable ROE of 13.3% and cost/income ratio of 45.5%, Diversified Nordic franchise across five countries and multiple business lines, Closure of US DoJ corporate probation on Estonia matter in December 2025, 100% payout of 2025 net profit via dividends and DKK 4.5B share buyback, Record asset management AUM of DKK 1,018 billion

Risk factors: Civil litigation on Estonia matter totaling approximately DKK 12.8 billion, Significant commercial real estate exposure of ~DKK 282 billion, Macro/geopolitical risk requiring DKK 5.4 billion post-model impairment adjustments, Insurance reserve restatement at Danica reduced opening 2024 equity by DKK 1.1 billion, Interest rate normalization compressing deposit margins (personal deposit margin fell from 2.68% to 1.65% YoY in Q2 2026), Climate transition risk exposure to high-emission sectors

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