Slides
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Q3 2026 Investor Presentation 28 October 2026
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Summary Q3 2026 Contents Summary 2 2 Highlights 6 3 Financials 15 4 Volumes 23 5 Sustainability 29 6 Jyske Bank in brief 33 7 Macroeconomics 39 1 8 Calendar and contacts 42 Investor Presentation 2
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer EPS of DKK 21 in Q3 2026 Summary (1/3) | Highlights 3 EPS +14% y/y excl. value adj., supported by business momentum, higher interest rates. EPS down from DKK 23 in Q3 2025, as value adj. decreased from high level. Acquisition of Formuepleje One of Denmark’s largest independent wealth managers Approved by authorities, closing expectedly effective 2 November 2026. Further acceleration of momentum Growth of mortgage loans to personal customers accelerated to 9% p.a. q/q in Q3. Improving customer satisfaction in all areas in recent years. Highlights
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 4 EPS grew 14% y/y in Q3 2026 excluding value adjustments amid healthy business momentum and higher interest rates Summary (2/3) | Financials 22 20 19 20 23 23 17 22 21 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 90 95 100 105 110 115 120 125 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 EPS of DKK 21 in Q3 2026 Earnings per share (DKK) Net profit of DKK 1,278m in Q3 2026 Profit/loss statement AuM grew 12% y/y in Q3 2026 Business volumes (index) Note: Bank loans and deposits excl. repo/triparty. Nominal mortgage loans. Lending Assets under management Deposits DKKm Q3'26 Index, y/y Index, q/q Net interest income 2,270 104 104 Net fees and commissions 773 112 111 Value adjustments, dividends 177 35 35 Other income 21 66 131 Operating lease income 35 184 194 Core income 3,276 95 96 Core expenses 1,605 104 101 Core profit bef. loan losses 1,671 88 92 Loan impairment charges -50 - - Core profit 1,721 92 95 Investment portfolio 6 12 21 Pre-tax profit 1,727 90 94 Tax 449 95 94 Net profit 1,278 88 94 Attributable to AT1 holders 67 100 102 Return on tangible equity (p.a.) 11.1% 86 93 Cost/income ratio 49.0% 110 105 Cost of risk (bp) -1 - - CET1 ratio 15.7% 97 100
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 5 2026 EPS outlook upgraded on 12 October 2026 Core income Lower in 2026 than in 2025 Primarily caused by lower level of value adjustments Core expenses Slightly lower in 2026 than in 2025 Lower level of one-off items and cost initiatives Loan impairment charges Higher in 2026 than in 2025 Significant post-model adjustment buffers, low stage 3 share Net profit DKK 4.7bn-5.2bn in 2026 Earnings per share of DKK 78-87 Capital c. 15% CET1 ratio, c. 20% total capital ratio No further significant impact from upcoming regulation expected. Capital distribution: Share buybacks and 30% dividend payout ratio. Summary (3/3) | Outlook EPS of DKK 78-87 expected for 2026 Earnings per share (DKK) 26 33 35 28 29 20 42 55 89 80 85 78-87 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026E
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Highlights Q3 2026 Contents Summary 2 2 Highlights 6 3 Financials 15 4 Volumes 23 5 Sustainability 29 6 Jyske Bank in brief 32 7 Macroeconomics 38 1 8 Calendar and contacts 42 Investor Presentation 6
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Acquisition of Formuepleje approved, closing effective 2 November 2026 7 Transaction details 1 FP Kapital A/S One of Denmark’s largest independent wealth managers with c. 100 employees and c. 14,000 investors Capital light business model with recurring fee income from c. DKK 40bn of assets under management Complements and expands product offering in alternatives, including real estate and private equity Potential to deepen banking relationship with attractive client base over time Leveraging larger scale infrastructure and asset management capabilities of Jyske Bank Strengthens position in affluent and HNWI segments in growing Aarhus and Copenhagen areas Strategic fit Acquisition of Formuepleje1 • EPS accretive from 2028 • Generates DKK >0.2bn of annual fee income • Cost base of similar magnitude, scope for synergies • One-off integration costs of DKK 0.1bn • Net capital consumption close to 0.1% of REA Highlights (1/8)
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 8 Forward rates increased c. 0.8pp in Q3 2026 Forward rate curve (3-month CIBOR) Highlights (2/8) Forward rates have increased further From a relatively stable rate outlook for 2026 at the beginning of the year, higher energy prices have increased expectations for higher policy rates significantly. -1% 0% 1% 2% 3% 4% 5% 2022 2023 2024 2025 2026 2027 2028 3-month CIBOR 23 Oct. 2026 End-June 2026
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 9 Limited deposit rate pass-through as of yet underpins margin Average rates (bp) Highlights (3/8) Increasing deposit margin A reduction of preferential deposit rates and a normalising share of corporate time deposits in recent years combined with limited pass-through from the increased short-term interest rates as of yet entail a significant improvement of deposit margins. 0 20 40 60 80 100 120 140 160 180 200 -50 0 50 100 150 200 250 300 350 400 450 2021 2022 2023 2024 2025 2026 3-month CIBOR (l.a.) Implied deposit margin (excl. repo, triparty, r.a.)
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 10 Net interest income up 4% q/q Net interest income excl. one-off items (DKKm) Highlights (4/8) Net interest income rose significantly in Q3 2026 Net interest income increased 4% q/q in Q3 2026 and is expected to increase further in the coming quarters, following the increase of short-term interest rates. One-off 1,600 1,700 1,800 1,900 2,000 2,100 2,200 2,300 2,400 2,500 2,600 Q1'23 Q3'23 Q1'24 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 11 Net fee and commission income up 59% since 2020 Net fee and commission income (DKKm, trailing four quarters) Highlights (5/8) Continued fee income momentum Net fee and commission income grew 12% y/y in Q3 2026 and has grown 8% p.a. since 2020. This has also been the case since the acquisition of Handelsbanken Denmark. 1,800 2,000 2,200 2,400 2,600 2,800 3,000 3,200 3,400 2021 2022 2023 2024 2025 2026
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 12 Significantly improved Net Promoter Score across the business Voxmeter NPS score (rebased, end-2023=0) Highlights (6/8) Higher customer satisfaction Top-3 NPS ranking across all areas, with personal banking and private banking showing the strongest year-on-year improvement among top five Danish banks. 3-month CIBOR Implied deposit margin (excl. repo, triparty) -5 0 5 10 15 20 25 30 2024 2025 2026 Personal customers Business/Corporate customers Private Banking customers
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 13 Mortgage loans to personal customers rose 9% p.a. q/q in Q3 Mortgage loans to personal customers (nominal, q/q, annualised) Highlights (7/8) Further acceleration of personal customer momentum Mortgage loans to personal customers accelerated further in Q3, reaching a quarterly growth rate of 9% p.a., underpinned by the successful launch of Jyske Frihed, a flexible variable rate mortgage product. Note: Growth rate of Q4 2022 excluded due to the acquisition of Handelsbanken Denmark. -8% -6% -4% -2% 0% 2% 4% 6% 8% 10% 2019 2020 2021 2022 2023 2024 2025 2026 First mover on negative deposit rates, several organisational changes, significant branch reductions, revision of fee structure (incl. platform fee) and acquisitions of Handelsbanken Denmark, PFA Bank
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 10 27 254 217 227 REA Q3 2026 REA Fully phased-in output floor (incl. transitional arrangements) REA Fully phased-in output floor 14 DKK 27bn REA buffer to the fully phased-in output floor Risk exposure amount (DKKbn) Highlights (8/8) Well positioned for upcoming regulation Buffer of DKK 27bn REA to fully phased-in output floor (DKK 37bn incl. transitional arrangements), reflecting relatively conservative IRB risk weights at the outset. New Corporates IRB model implemented in Q4 2025. Phasing in of Basel IV output floors from 50% in 2025 to 72.5% by 2030 with transitional arrangements in place until 2032. Transitional arrangements relate, for example, to unrated corporates with low default risk and residential mortgages . REA in excess of output floor (incl. transitional arrangements)
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Financials Q3 2026 Contents Summary 2 2 Highlights 6 3 Financials 15 4 Volumes 23 5 Sustainability 29 6 Jyske Bank in brief 33 7 Macroeconomics 39 1 8 Calendar and contacts 42 Investor Presentation 15
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 16 Net interest income increased 4% q/q Note: Implied margins based on 3-month CIBOR rates, except the mortgage administration margin which is unaffected by the level of interest rates. Excess liquidity is net interest-bearing assets excl. loans and deposits. Financials (1/7) | Net interest income Increasing short-term interest rates Danmarks Nationalbank’s policy rate was increased by 25bp to 1.85% on 12 June 2026 and a further 25bp to 2.10% on 11 September 2026. Avg. 3-month CIBOR increased 26bp q/q. Higher volumes Nominal mortgage lending increased 1% q/q Bank lending (excl. repo) increased 1% q/q Deposits (excl. repo, triparty) 0% q/q 2,356 2,269 2,238 2,204 2,187 2,213 2,139 2,177 2,270 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 2,177 2,270 Q2'26 Lending vol. Lending margins Deposit vol. Deposit margins Excess liq., days Q3'26 Net interest income up 3% y/y Net interest income (DKKm) Net interest income up 4% q/q Net interest income (DKKm)
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 17 Net fee income up 12% y/y in Q3 2026 Financials (2/7) | Net fee and commission income Asset management and custody +21% y/y to DKK 382m in Q3 Continued growth of assets under management supported by positive financial markets and net inflow. Mortgage refinancing auctions +57% y/y to DKK 91m Due to changed seasonality, as part of the refinancing income of Q4 has shifted to Q3. Daily banking, etc. -10% y/y to DKK 182m Primary contributor was card payments, incl. annual fee income booked in Q3 in 2025 and in Q4 in 2026. Adjusted for this, growth was +8% y/y. Fee expenses +9% y/y to DKK 177m The increase reflects higher business volumes, issuance of bond at fair value at mortgage subsidiary and slightly changed timing of fees for ratings agencies. 627 902 726 658 689 966 761 697 773 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 689 773 Q3'25 Asset mgmt., custody Brokerage, etc. Mortgage fees Bank lending, guarantees Daily banking, etc. Fee expenses Q3'26 Net fee income up 12% y/y Net fee and commission income (DKKm) Underpinned by higher AuM Net fee and commission income (DKKm)
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 18 Low level of value adjustments in Q3 2026 amid rising rates Financials (3/7) | Value adjustments and investment portfolio earnings 453 172 216 363 512 480 25 499 177 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 6 -33 68 7 52 69 0 28 6 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 Value adjustments and dividends impacted by higher interest rates, partly offset by sector shares Value adjustments and dividends (DKKm) Investment portfolio earnings at low level in Q3 2026 amid increasing interest rates during the quarter Investment portfolio earnings (DKKm) Other Asset/liability mgmt. Underlying Sector shares, etc. AT1 FX hedging Underlying
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 32 31 32 31 19 15 33 18 35 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 11 12 17 18 32 38 25 16 21 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 19 Higher other income in Q3 2026 Financials (4/7) | Other income Other income fluctuating around a stable level in recent years, with no significant items in Q3 2026 Other income (DKKm) Impairment charges relating to operating lease assets at low level in Q3 2026 Income from operating lease (net, DKKm) Impairment charges Operating lease income, net of depreciation Gains from sale of assets Non-recurring items Other income
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 20 Nearly stable cost trend amid manageable inflation Note: Core expenses include one-off expenses related to acquisitions. Financials (5/7) | Costs Underlying cost inflation of 3% y/y Core expenses increased 4% y/y to DKK 1,605m. Adjusted for one-off items of DKK 16m, core expenses increased 3% y/y due to inflation, increased marketing expenses and higher staff costs. Staff costs increased 3% y/y in Q3 2026 Caused by a sector-wide salary increase of 2.4% and a slightly higher number of full-time employees. 2026 outlook maintained Development in Q1-Q3 2026 is in line with guidance for a slightly lower level of core expenses in 2026 than in 2025. 1,641 1,652 1,533 1,662 1,537 1,859 1,535 1,593 1,605 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 1,537 1,589 One-offs One-offs 1,537 1,605 Q3'25 Employees IT Other Q3'26 Core expenses increased 4% y/y Core expenses (DKKm) +3% y/y adjusted for one-off items Core expenses (DKKm) One-off itemsCore expenses excl. one-off items
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 21 Reversals of DKK 50m while adding DKK 119m of PMA’s Note: Stage exposures include purchased/originated credit impaired exposures (<0.1%) as stage 3. Post-model adjustments reflect management’s overlay related to the future economic development or processes that are not included in the loan impairment modelling. Jyske Bank’s definition-of-default is characterized by early stage 3 categorization, resulting in a lower coverage ratio, underpinned by strong collateralisation. Financials (6/7) | Credit quality Loan impairment charges amounted to an income of DKK 50m in Q3 2026, equivalent to a cost of risk of -1bp. Cost of risk has averaged 0bp. p.a. in the last 10 years, despite building a significant post-model adj. buffer. Post-model adjustments increased by DKK 119m to DKK 1,949m in Q3 (36bp, >4x normalised cost of risk). The increase was partly due to technical adjustments and is expected to reverse to some extent in the coming quarters. Actual write-offs rose to DKK 155m or 3bp in Q3. Stage 3 exposures continued to decrease to the lowest level on record of 0.7% of total exposures at the end of Q3, heavily backed by collateral, and down 29bp y/y. 95.8% 96.7% 3.3% 2.7% 1.0% 0.7% 0 200 400 600 Q3'25 Q3'26 Q3'25 Q3'26 Q3'25 Q3'26 Stage 1 Stage 2 Stage 3 Cost of risk at -1bp in Q3 2026 Cost of risk and post-model adjustments buffer (bp) Record-low share of stage 3 exposures Net loans and guarantees by IFRS 9 stages (%/DKKbn) Exposures heavily backed by collateral. -10 -5 0 5 10 15 20 25 30 35 40 45 2016 2018 2020 2022 2024 2026 Current buffer: 36bp Avg: 0bp p.a. IFRS 9 COVID-19
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 22 Underlying CET1 ratio build of 0.4pp in Q3 2026 1 Expected payouts based on stipulated 84% payout ratio, incl. 30% dividend and share buyback based on prior distribution. Jyske Bank targets share buybacks supplemented by 30% dividend. 2 Ratio excludes Danish mortgage loans, which are funded by covered bonds with 1:1 matching terms. Financials (7/7) | Capital and funding Solid capital position: CET1 ratio incl. reservations for expected payouts of 15.7% vs. c. 15% target. REA up 1% q/q: Higher credit risk caused by lending growth more than offset lower market risk. Capital distribution: DKK 987m was outstanding of DKK 3bn share buyback programme at the end of Q3 2026. Strong liquidity and funding position: NSFR of 157%, LCR of 225% and low loan/deposit ratio 2 of 0.71. MREL debt of DKK 32.5bn, within the target of DKK 32bn-34bn. No significant impact from upcoming regulation: Basel IV output floor is not expected to be binding given current risk weights. Sector-specific buffer of 0.8pp targeting property companies (excl. LTV 0-30%) reflected in targets. 15.7% 15.7% Expected payouts1 Expected payouts1 16.4% 16.8% Q2'26 Profit Capital distrib. REA Other Q3'26 229 230 245 239 242 249 254 252 254 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 CET1 ratio of 15.7% at end of Q3 Common equity tier 1 ratio Requirement: 13.4% Target: c. 15% REA increased 1% q/q Risk exposure amount (DKKbn) Basel IV input floors New model
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Volumes Q3 2026 Contents Summary 2 2 Highlights 6 3 Financials 15 4 Volumes 23 5 Sustainability 29 6 Jyske Bank in brief 33 7 Macroeconomics 39 1 8 Calendar and contacts 42 Investor Presentation 23
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 24 Broad-based growth in business volumes in Q3 Note: Lending and deposits figures are exclusive of repo. Mortgage-like bank loans are gradually transferred to mortgage lending. Volumes (1/5) | Business volumes Mortgage loans (nominal) +1% q/q underpinned by increased lending to personal customers amid successful launch of Jyske Frihed in Q2. Bank loans +1% q/q driven by higher corporate lending. Excluding gradually transferred mortgage-like bank loans, bank lending increased by 3% q/q. Leasing +1% q/q underpinned by lending related to strategic partnerships. Deposits +0% q/q following several quarters of strong growth. Assets under management +2% q/q as continued net inflow was underpinned by a positive market development in the quarter. 85 90 95 100 105 110 115 120 125 Q3'24 Q1'25 Q3'25 Q1'26 Q3'26 Personal Corporate 407 393 121 118 22 22 202 191 337 301 Q3'26 Q3'25 Q3'26 Q3'25 Q3'26 Q3'25 Q3'26 Q3'25 Q3'26 Q3'25 Mortgage loansBank loansLeasingDeposits Assets under mgmt. Assets under management up 12% y/y Business volumes (index) Lending up 3% y/y, deposits up 6% y/y Business volumes (DKKbn) Leasing Assets under management Bank loans Mortgage loans Deposits
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 25 Focused on structurally growing, low-risk collateralised lending Volumes (2/5) | Lending composition Personal mortgages 37% Corporate mortgages 27% Subsidised housing mortgages 9% Mortgage-like bank loans 2% Personal bank loans 3% Corporate bank loans 18% Leasing 4% DKK 526bn 39% 15% 11% 9% 9% 5% 3% 2% 2% 2% 2% 1% 1% 1% 0% 0% 0% 0 50 100 150 200 250 Personal customers Finance and insurance Renting, commercial (CRE) Subsidised housing Renting, residential (RRE) Other sectors Manufacturing, mining etc. Agriculture, fishing, etc. Commerce Cooperative housing Energy supply Public authorities Transport, hotels, restaurants Building and construction Buying/selling of RE Information, communication Other property Personal customers 41% Corporate customers 57% Public authorities 2% Lending largely secured by real property Split of net lending volumes (excl. repo) Well-diversified lending portfolio with emphasis on housing Loans, advances and guarantees by sector (DKKbn, net) Fair value (~Mortgage) Amortised cost, guarantees (~Banking/Leasing)
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 26 Robust mortgage portfolio with average LTV of 43% Volumes (3/5) | Mortgage exposures 0%-20% LTV 20%-40% 40%-60% 60%-80% 41% 44% 45% 45% 43% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Q3 2022 Q3 2023 Q3 2024 Q3 2025 Q3 2026 37% 32% 31% 29% 28% Fixed ARM 3-10Y ARM 1-2Y Capped floater Non-capped floater 45% 46% 47% 47% 49% Interest-only 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Q3 2022 Q3 2023 Q3 2024 Q3 2025 Q3 2026 95% of mortgage lending below 60% LTV Loan-to-value distribution of mortgage exposures Well-diversified mortgage product mix Product split of mortgage exposures 80%-100%
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 27 Prudent LTV of CRE exposures Volumes (4/5) | Commercial property CRE exposure is mainly comprised by large customers with strong capital positions and diversified portfolios supported by demographic trends. Collateralization is central, modern properties in urban areas with low loan- to-value and low vacancy rates, underpinned by demographic trends. 1 Residential rental property mortgages (RRE) and office, business property mortgages (CRE). Solid loan-to-value levels Loan-to-value for RRE/CRE exposures • Initial loan-to-value (max. 60%-80%) reflects that all customers must, regardless of financing, be able to maintain a fixed-rate loan with amortization. • Customers should also be able to withstand a 10%-20% loss of rent income or increase of vacancy rates in addition to a 3pp higher variable interest rate of debt. • Ongoing monitoring and stress testing of commercial property exposures’ rent and vacancy rates, cost of equity as well as interest rate of debt. Robust lending standards and stress testing Underwriting standards for RRE/CRE exposures Manageable share of overall exposure RRE/CRE exposure as share of loans and guarantees 0.00% 90-day arrears 49% Share of loans with rate fixed >3 years 94% Share of loans below 60% loan-to-value Non-performing loans at low level Key figures1 on RRE/CRE exposure Residential rental property mortgages 13% Office, business property mortgages 7% Other loans, guarantees 67% 51% 59% 47% 2017 Q3'26 2017 Q3'26 Residential rental property mortgages Office, business property mortgages
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 28 Attractive Danish mortgage market Volumes (5/5) | Main exposure: The Danish mortgage market The Danish mortgage model is based on balance principle with no defaulting mortgage credit institutes (MCI) since inception in 1797. An MCI funds loans by issuing covered bonds with 1:1 matching terms, thus transferring interest rate, currency, liquidity, prepayment risk to investors. Borrowers can prepay/remortgage by buying the bonds at par or market price in a transparent and highly liquid market of AAA-rated covered bonds. In addition to the principal and interest paid to the investor, the borrower pays an administration margin as well as transaction-based fees to the MCI. The MCI, in return, guarantees payments from the borrower, who is subject to a thorough credit assessment with a strict 60%-80% loan-to-value limit. Very low cost of risk for mortgage lending Danish cost of risk (bp) Mortgage margin stabilises income Danish margins (p.a.) Balance principle reduces funding risks Balance sheet of Jyske Bank, incl. Danish match funding principle High and resilient growth of mortgage loans Danish lending (DKKbn) Mortgage loans Issued bonds at mortgage subsidiary Bank loans (excl. repo) Deposits (excl. repo) Assets Liabilities and equity Match funding Equity Other liabilities Other assets 0 500 1,000 1,500 2,000 2,500 3,000 3,500 2003 2007 2011 2015 2019 2023 +4.2% p.a. +3.1x +3.1% p.a. Mortgage lending Bank lending 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 2003 2007 2011 2015 2019 2023 Unaffacted by the level of interest rates Administration margin, mortgage credit institutions Net interest margin, banks 20 224 Mean: 4 Mean: 45 -50 0 50 100 150 200 250 2000 2004 2008 2012 2016 2020 Cost of risk, mortgage credit institutions Cost of risk, banks
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Sustainability Q3 2026 Contents Summary 2 2 Highlights 6 3 Financials 15 4 Volumes 23 5 Sustainability 29 6 Jyske Bank in brief 33 7 Macroeconomics 39 1 8 Calendar and contacts 42 Investor Presentation 29
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 30 Sustainability at Jyske Bank Sustainability (1/3) | In brief More information available at investor relations website, including • Integrated Annual Report • ESG Fact Book • Green Finance Framework Impact Reporting • Climate Transition Plan • Code of conduct • Policies and guidelines We are committed to making a difference and enabling our customers to become more sustainable. We take part in the transition with our customers, contributing through guidance, products, and services, and by integrating climate-related considerations. We have a long-term objective of achieving net-zero CO₂ emissions no later than 2050. Our approach is holistic and based on impact, measurable progress, and transparency. Committed to sustainability initiatives Select examples of int’l sustainability commitments ESG ratings in upper half of banks Select ESG ratings › “ UN Principles for Responsible Banking The leading sustainable banking framework, embedding sustainability at the strategic, portfolio and transactional levels, across all areas. UN Principles for Responsible Investment An international investor network that supports the integration of ESG factors into investment and ownership decisions. Net Zero Asset Managers Initiative An international group of asset managers supporting investing aligned with net-zero greenhouse gas emissions by 2050 or sooner. Science-Based Targets initiative An organisation that aims to drive ambitious climate action in the private sector. We have set climate targets for properties in line with SBTi criteria and recommendations. AA MSCI ESG rating (‘CCC’ to ‘AAA’) Low Risk Sustainalytics ESG rating (‘Negligible Risk’ to ‘Severe Risk’) B CDP climate change score (‘D-’ to ‘A’) C Prime ISS ESG (‘D-’ to ‘A+’)
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 31 Net-zero CO₂ emissions at the latest by 2050 Sustainability (2/3) | Climate transition plan For reduction targets marked as a 1.5 °C target, the description of the specific interim target in the Implementation strategy section specifies which scenario the target tracks, in terms of alignment with a 1.5 °C scenario. Long-term objective to obtain net-zero CO₂e emissions made by both our customers and ourselves by 2050. Since 2020, the emission intensity of total lending and asset mgmt. has been reduced by 41% and 34%, respectively. Scope 1 -2 emissions of own activities has been reduced by 39%. Lending Base year: 2021 Corporate customers Personal customers 15% CO2e reduction per vehicle kilometre Road transport >40% CO2e reduction per lending DKK Agriculture 65% CO2e reduction per m2 for residential rental property Commercial real estate 60% CO2e reduction per m2 for owner- occupied homes 56% CO2e reduction per vehicle kilometre Passenger cars 85% CO2e reduction per m2 for owner- occupied homes Owner-occu- pied homes Asset management Base year: 2019 75% CO2e reduction per invested DKK Equities 40% CO2e reduction per invested DKK Mortgages 85% CO2e reduction per m2 for owner- occupied homes Owner-occu- pied homes Own activities Base year: 2020 65% CO2e reduction in group operations Own operations 2030 interim targets 2050 targets 1.5˚C target 1.5˚C target 1.5˚C target 1.5˚C target 1.5˚C target
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer DKK 71bn DKK 139bn (27% of lending excl. repo) 2019 2025 32 Green financing increased 96% since 2019 Green Finance Framework lending (DKKbn) Sustainability (3/3) | Green Finance Framework Mitigating climate change via financing In addition to reduction targets and related initiatives, Jyske Bank also seeks to support the transition to a low emission society by financing activities that can contribute to the mitigation of climate change. Hence, Jyske Bank has defined growth targets for financing related to the production of renewable energy, low-energy commercial real estate and low emission vehicles under the Jyske Bank Green Finance Framework. For further information, please visit Jyske Bank’s investor relations website. 1 Sum of lending for (1) energy transmission, distribution, and storage, (2) sustainable manufacturing, and (3) sustainable water and waste management. Sustainable production, etc.1 Low-emission vehicles, etc. Low-energy buildings Renewable energy
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Jyske Bank in brief Q3 2026 Contents Summary 2 2 Highlights 6 3 Financials 15 4 Volumes 23 5 Sustainability 29 6 Jyske Bank in brief 33 7 Macroeconomics 39 1 8 Calendar and contacts 42 Investor Presentation 33
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Corporate 59% Personal 41% 34 Jyske Bank at a glance1 One of the largest financial institutions in Denmark Committed to high customer satisfaction and resilient value creation On track to realising 2028 targets3 Business volumes1 (DKKbn) Key figures1 Book value per share1 (DKK) Jyske Bank in brief (1/5) | Summary DKK 5.1bn Net profit 12% (top 4) Market share of Danish lending >600,000 Customers >3,800 Full-time employees Jyske Bank combines the strength and stability of a leading financial institution with the customer focus and strong relationships that define our DNA. #1 Private Banking customer satisfaction Top 3 Personal Banking customer satisfaction #1 Business Banking advisory satisfaction 407 143 202 337 Mortgage loans Bank loans Deposits AuM Jyske Bank, founded in 1967, is one of the leading financial institutions in AAA-rated Denmark, serving more than 600,000 personal customers and over 65,000 business and corporate clients through specialized advisory units. Jyske Bank offers a comprehensive range of financial services, including general banking, insurance, mortgage lending, asset management, brokerage, credit card solutions, and leasing. The Group comprises one of Denmark’s largest banks (Jyske Bank), one of the country’s few mortgage credit institutions (Jyske Realkredit), and a leading leasing provider (Jyske Finans). 1 Key figures based on last four quarters or as of the end of last quarter. Mortgage loans at nominal value, bank loans/deposits excl. repo/triparty. 2 CET1 ratio excl. deductions for expected/potential dividends and share buybacks. 3 Customer satisfaction targets as stated in the 2024 Strategy Update. Nationwide in AAA economy Large in capabilities, close in relationships High customer satisfaction Structural, low-risk growth Healthy operating performance Solid value creation A+/Stable/A-1 S&P issuer credit rating AA MSCI ESG rating 16.8% CET1 ratio2 (15% target) 225% / 157% LCR / NSFR 11.1% Return on tangible equity 49% Cost/income 0bp p.a. Cost of risk (10Y avg.) 36bp Post-model adj. “ › 0 200 400 600 800 1,000 2000 2005 2010 2015 2020 2025 +10% p.a.
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 35 History of Jyske Bank Solid consolidator with strong track record Jyske Bank in brief (2/5) | History Founded 1967 Jyske Bank founded by merger of four local banks in Silkeborg, becoming the 18th largest bank in Denmark. Roots Four banks dating back to 1866 1866: Kjellerup og Omegns Sparekasse 1882: Silkeborg Bank 1899: Handels- og Landbrugsbanken Silkeborg 1917: Kjellerup Handels- og Landbrugsbank Successfully expanding Growing from 8 to 157 branches 1968: Banken for Brædstrup og Omegn 1970: Samsø Bank 1971: Odder Landbobank 1976: Besser Sogns Spare- og Laanekasse 1981: Finansbanken 1983: Vendelbobanken 1989: Holstebro Bank Transformative acquisition Adding a mortgage credit institute 2014: Jyske Bank acquired the mortgage credit institute Jyske Realkredit (BRFkredit). BRFholding became the largest shareholder of Jyske Bank. Post-2008 acquisitions Consolidator 2011: FinansNord, Easyfleet and part of Fjordbank Mors 2013: Sparekassen Lolland Focus on core business Divesting non-priority activities 2013-2015: International asset mgmt. and private banking services phased out 2014: Silkeborg Data divested 2020: Jyske Bank (Gibraltar) divested Recent acquisitions Adding scale to core business 2022: Handelsbanken Denmark added nearly one fifth to Jyske Bank’s scale. 2023: PFA Bank acquisition supported focus on private banking customers. 2024: Opendo leasing portfolio acquired. 2026: Formuepleje strengthens wealth management position.
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Luxembourg Denmark Euro area avg. Ireland 0.0 0.2 0.4 0.6 0.8 1.0 0.0 0.5 1.0 1.5 36 Structurally attractive banking environment Jyske Bank in brief (3/5) | Denmark The Danish economy Since 1986, Denmark has been one of few countries to hold the highest possible credit rating (AAA/Aaa) from the three largest international credit rating agencies. Denmark has a wealthy, adaptable, and open economy with a low level of debt, large fiscal buffers, leading social safety nets, low unemployment, and high institutional effectiveness. 1 GDP per capita as of 2025, chain-linked volumes (Eurostat). Loans per capita as of Oct. 2025 (ECB, World Bank, Statistics Denmark). Wealthy and financialized GDP and lending1 per capita (DKKm) Government debt (% of GDP) Outgrowing peers GDP, chain-linked volumes (2010=100) A digital frontrunner Denmark Euro area Loans for households, non-financial corporations GDP 2.7x 1.8x 0% 20% 40% 60% 80% 100% 120% 2004 2008 2012 2016 2020 2024 Hundreder Strong, AAA-rated fiscal position 1st vs. Euro area IMD World Digital Competitiveness Ranking of 2025 (5th overall) 90 100 110 120 130 140 150 2004 2008 2012 2016 2020 2024 Denmark Euro area
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 26 33 35 28 29 20 42 55 89 80 85 2015 2017 2019 2021 2023 2025 2015-2019: The first years following acquisition of mortgage credit institution, heavily influenced by negative interest rate environment in Denmark. 2019-2022: Positive deposit margin restored as first mover, fee structure revised, branch closures, and other profitability initiatives. Post-model adjustments buffer increased to >4x normalised loan losses. 2022-2024: Acquisitions of Handelsbanken Denmark, PFA Bank, and Opendo leasing portfolio; leadership transition with new CEO, organisational changes. 2024-2025: Customer satisfaction up, accelerating momentum, continued cost discipline, launch of strategy towards 2028. 37Jyske Bank in brief (4/5) | Financials EPS more than quadrupled since 2020 Earnings per share (DKK)
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 38 2028 strategy Potential for more Jyske Bank in brief (5/5) | Strategy Increasing underlying profitability to mitigate lower short-term interest rates. Accelerating growth in select, profitable market segments with untapped potential. Leveraging strengths of comprehensive, digital offering and client relationships. Personal & Private Banking #1 Private banking customer satisfaction vs. top 7 largest banks in Denmark Top 3 Personal customer satisfaction vs. top 7 largest banks in Denmark +35% Assets under management +50% Annual customer acquisition in target segments +100% Value-adding customer meetings per advisor Business Banking Corp. & Inst. Banking+20% Medium-sized business and large corporate customers Share of wallet (ancillary income/lending volume) +15% #1 Advisory satisfaction vs. top 5 Danish banks +50% Customer meetings per advisor Top 3 Ranking in select areas supporting strategic focus +50% Assets under management from institutional customers Targets 10% Return on tangible equity ~15% CET1 ratio Capital distribution Share buybacks and 30% dividend <50% Cost/income ratio
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer Macroeconomics Q3 2026 Contents Summary 2 2 Highlights 6 3 Financials 15 4 Volumes 23 5 Sustainability 29 6 Jyske Bank in brief 33 7 Macroeconomics 39 1 8 Calendar and contacts 42 Investor Presentation 39
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 40 Balanced economic development Macroeconomics | Select key figures (1/2) Sources: Statistics Denmark, OECD, Eurostat. 1 Danish gross unemployment definition available from 2007. Continued low level of unemployment Unemployment rate1 Increasing short-term interest rates Danish interest rates (monthly averages, p.a.) Healthy GDP growth Real gross domestic product (2010=100) Inflation at manageable level of c. 2% HICP (year/year) 90 100 110 120 130 140 150 2004 2008 2012 2016 2020 2024 -1% 0% 1% 2% 3% 4% 5% 6% 7% 2004 2008 2012 2016 2020 2024 Denmark Euro area 3-month interbank rate 10-year government bond yield Denmark Euro area Euro area Denmark -2% 0% 2% 4% 6% 8% 10% 12% 2004 2008 2012 2016 2020 2024 0% 2% 4% 6% 8% 10% 12% 14% 2004 2008 2012 2016 2020 2024
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 41 Growing sector business volumes Macroeconomics | Select key figures (2/2) Danish volume growth as of August 2026 • Nominal sector mortgage lending increased 3.7% y/y. • Total sector bank lending (excl. repo) increased 7.6% y/y. • Total sector deposits (excl. repo) increased 5.1% y/y. Sources: Statistics Denmark, OECD, Eurostat. Growing sector lending and deposits Lending to households (HH), non-financial corporations (NFC), y/y Sentiment remains somewhat muted Economic Sentiment Indicator (index) Real estate prices up 8%-16% in the last year Danish real estate prices (year/year) Housing remains relatively affordable House prices to disposable income (2015=100) Bank lending, HH Mortgage lending, HH -20% -10% 0% 10% 20% 30% 40% 2004 2008 2012 2016 2020 2024 80 90 100 110 120 130 140 2004 2008 2012 2016 2020 2024 Mortgage lending, NFC Bank lending, NFC Euro area Denmark Owner-occupied flats One-family houses Denmark Euro area -20% -10% 0% 10% 20% 30% 40% 2004 2008 2012 2016 2020 2024 50 60 70 80 90 100 110 120 130 2004 2008 2012 2016 2020 2024
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 42Calendar and contacts Equity Investor Relations Debt Investor Relations 02 Feb. Announcement of the 2026 results 02 Feb. Annual report 2026 02 Feb. Risk management report 2026 16 Mar. Annual general meeting 05 May Interim report for the first quarter of 2027 16 July Interim report for the first half of 2027 27 Oct. Interim report for the first nine months of 2027 Simon Hagbart Falk Head of Equity Investor Relations Merete Poller Novak Director, Head of Debt IR & Capital Markets Funding Financial calendar 2027 +45 89 89 25 26 mpn@jyskebank.dk +45 89 89 71 85 simonhagbart@jyskebank.dk
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Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer 43 Disclaimer This presentation and the information contained therein is furnished and has been prepared solely for information purposes by Jyske Bank A/S. It is furnished for your private information with the express understanding, which recipient acknowledges, that it is not an offer, recommendation or solicitation to buy, hold or sell, or a means by which any security may be offered or sold. The information contained and presented in this presentation, other than the information emanating from and relating to Jyske Bank A/S itself, has been obtained by Jyske Bank A/S from sources believed to be reliable. Jyske Bank A/S can not verify such information, however, and because of the possibility of human or mechanical error by our sources, Jyske Bank A/S or others, no representation is made that such information contained herein is accurate in all material respects or complete. Jyske Bank A/S does not accept any liability for the accuracy, up-to-dateness, adequacy, or completeness of any such information and is not responsible for any errors or omissions or the result obtained from the use of such information. The statements contained herein are statements of our non-binding opinion, not statement of fact or recommendations to buy, hold or sell any securities. Changes to assumptions may have a material impact on any performance detailed. Historic information on performance is not indicative of future performance. Jyske Bank A/S may have issued, and may in the future issue, other presentations or information that are inconsistent with, and reach different conclusions from, the information presented herein. Those presentations or the information reflect the different assumptions, views and analytical methods of the analysts who prepared them and Jyske Bank A/S is under no obligation to ensure that such other presentations or information are brought to the attention of any recipient of the information contained herein. Nothing in this presentation constitutes investment, legal, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to your individual circumstances, or otherwise constitutes a personal recommendation to you. This presentation is intended only for and directed to persons sufficiently expert to understand the risks involved, namely market professionals. This publication does not replace personal consultancy. Prior to taking any investment decision you should contact your independent investment adviser, your legal or tax adviser, or any other specialist for further and more up-to–date information on specific investment opportunities and for individual investment advice and in order to confirm that the transaction complies with your objectives and constraints, regarding the appropriateness of investing in any securities or investment strategies discussed herein. Jyske Bank A/S or its affiliates (and their directors, officers or employees) may have effected or may effect transactions for its own account (buy or sell or have a long or short position) in any investment outlined herein or any investment related to such an investment. Jyske Bank A/S or its affiliates may also have investment banking or other commercial relationship with the issuer of any security mentioned herein. Please note that Jyske Bank A/S or an associated enterprise of Jyske Bank A/S may have been a member of a syndicate of banks, which has underwritten the most recent offering of securities of any company mentioned herein in the last five years. Jyske Bank A/S or an associated enterprise may also have, within the last three years, served as manager or co-manager of a public offering of securities for, or currently may make a primary market in issues of, any or all of the entities mentioned herein or may be providing, or have provided within the previous 12 months, significant advice or investment services in relation to the investment concerned or a related investment. Any particular security or investment referred to in this presentation may involve a high degree of risk, which may include principal, interest rate, index, currency, credit, political, liquidity, time value, commodity and market risk and is not suitable for all investors. Any securities may experience sudden and large falls in their value causing losses equal to the original investment when that investment is realized. Any transaction entered into is in reliance only upon your judgment as to both financial, suitability and risk criteria. Jyske Bank A/S does not hold itself out to be an advisor in these circumstances, nor does any of its staff have the authority to do so.
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Klik for at tilføje titel Primære farver Navnetræk Iris Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Neutrale farver Baggrunde Kasser Tekst Ikoner Infografikker Illustrationer Tertiære farver Bespoke infografikker Illustrationer Sekundære nuancer I forlængelse af tilhørende sekundære farver Sekundære farver Infografikker Illutrationer