DJURSLANDS BANK A/S

Djurslands Bank A/S is a Danish regional bank headquartered in Grenaa that focuses on retail and small to mid-sized business customers across Djursland and parts of eastern Jutland through a branch network combined with online and mobile channels. The bank offers current and savings accounts, payment cards, consumer and car finance, business credit facilities and cash management, investment advisory and brokerage, and distributes pensions, insurance, and mortgage products via partner institutions commonly used in Denmark; mortgage lending is typically arranged through specialized mortgage providers while the bank handles daily banking and advisory. Earnings are primarily driven by net interest income on loans and deposits, with fee income from investment services, payments, and mortgage mediation providing diversification; funding largely comes from customer deposits, supplemented by wholesale or central bank facilities as needed. Credit risk is concentrated in local households, small enterprises, agriculture, and real estate-related activities typical of the region, while market and liquidity risks are managed under Danish regulation. Djurslands Bank is supervised by the Danish Financial Supervisory Authority, publishes audited annual and interim reports, and is listed on Nasdaq Copenhagen. Deposits are covered by the Danish Guarantee Fund for Depositors and Investors up to the statutory limit (generally EUR 100,000 per depositor per institution). Key operational considerations include exposure to local economic cycles, interest-rate sensitivity, IT and cyber risk, and compliance obligations such as AML and conduct requirements.