Danske Bank A/S, Danmark, Sverige Filial

Danske Bank A/S, Danmark, Sverige Filial is the Swedish branch of Danske Bank A/S, a Danish banking group listed on Nasdaq Copenhagen. The branch is registered in Sweden under organisation number 516401-9811 and operates under EU passporting; prudential supervision is by the Danish Financial Supervisory Authority (Finanstilsynet) with conduct and consumer oversight by Finansinspektionen in Sweden. Deposits held in the branch are covered by the Danish deposit guarantee scheme in accordance with EU rules, up to the equivalent of EUR 100,000 per depositor, while Swedish consumer protection and dispute-resolution frameworks apply to services provided in Sweden. The franchise focuses on digital channels with a limited physical footprint and offers retail and private banking (current accounts, payments, cards, savings and investments, mortgages and consumer loans), as well as corporate and institutional services (cash management, trade finance, foreign exchange and markets). It supports BankID authentication and domestic payment solutions such as Bankgiro and Swish, and issues cards on major schemes with access to commonly used digital wallets. Swedish residential mortgages distributed by the branch are largely funded via the group’s Swedish mortgage company, Danske Hypotek AB (publ), which issues covered bonds under Swedish law. Investment and securities services are provided under MiFID II permissions, with distribution of funds from Danske Invest and other providers; execution, custody and settlement leverage the group’s Nordic infrastructure. Pricing, eligibility and service levels vary by customer segment, and Swedish fee and interest disclosure requirements apply. As a branch, credit and operational risk are anchored at group level and credit ratings mirror those of Danske Bank A/S as assigned by major rating agencies. The Danske Bank group has been subject to significant regulatory enforcement actions related to historical anti–money laundering deficiencies at its former Estonian operations, leading to substantial fines and ongoing remediation programs, which continue to shape group-wide compliance priorities. Customers primarily interact via online and mobile banking in Swedish and English, with advisory centers in larger cities and limited cash services available through designated channels. Cross-border services follow applicable EU frameworks, including PSD2 and SEPA payment standards.