Assets
| Type | Time | Amount | Unit |
|---|---|---|---|
| ifrs-full:Assets | 2024-12-31 | 3716042000000 | vDKK |
| ifrs-full:Assets | 2023-12-31 | 3729292000000 | vDKK |
Revenue
| Type | Start date | End date | Amount | Unit |
|---|
XML
See the xml submitted here:
XML: INVALID
Separator
The full data:
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<arr:TypeOfBasisForModifiedOpinionOnAuditedFinancialStatements contextRef="ctx1" id="fact1479" xml:lang="en">Grundlag for konklusion</arr:TypeOfBasisForModifiedOpinionOnAuditedFinancialStatements>
<arr:TypeOfModifiedOpinionOnAuditedFinancialStatements contextRef="ctx1" id="fact1480" xml:lang="en">Konklusion</arr:TypeOfModifiedOpinionOnAuditedFinancialStatements>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx2" id="fact1481" xml:lang="en">Carsten Egeriis</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:TitleOfMemberOfExecutiveBoard contextRef="ctx2" id="fact1482" xml:lang="en">CEO</cmn:TitleOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx3" id="fact1483" xml:lang="en">Magnus Agustsson</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx4" id="fact1484" xml:lang="en">Joachim Alpen</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx5" id="fact1485" xml:lang="en">Christian Bornfeld</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx6" id="fact1486" xml:lang="en">Karsten Breum</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx7" id="fact1487" xml:lang="en">Stephan Engels</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx8" id="fact1488" xml:lang="en">Johanna Norberg</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx9" id="fact1489" xml:lang="en">Dorthe Tolborg</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx10" id="fact1490" xml:lang="en">Frans Woelders</cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx11" id="fact1491" xml:lang="en">Martin Blessing</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:TitleOfMemberOfSupervisoryBoard contextRef="ctx11" id="fact1492" xml:lang="en">Chairman</cmn:TitleOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx12" id="fact1493" xml:lang="en">Martin Nørkjær Larsen</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:TitleOfMemberOfSupervisoryBoard contextRef="ctx12" id="fact1494" xml:lang="en">Vice Chairman</cmn:TitleOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx13" id="fact1495" xml:lang="en">Lars-Erik Brenøe</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx14" id="fact1496" xml:lang="en">Jacob Dahl</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx15" id="fact1497" xml:lang="en">Raija-Leena Hankonen-Nybom</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx16" id="fact1498" xml:lang="en">Lieve Mostrey</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx17" id="fact1499" xml:lang="en">Allan Polack</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx18" id="fact1500" xml:lang="en">Helle Valentin</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx19" id="fact1501" xml:lang="en">Bente Bang</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx20" id="fact1502" xml:lang="en">Kirsten Ebbe Brich</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:TitleOfMemberOfSupervisoryBoard contextRef="ctx20" id="fact1503" xml:lang="en">Elected by the employees</cmn:TitleOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx21" id="fact1504" xml:lang="en">Aleksandras Cicasovas</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:TitleOfMemberOfSupervisoryBoard contextRef="ctx21" id="fact1505" xml:lang="en">Elected by the employees</cmn:TitleOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx22" id="fact1506" xml:lang="en">Louise Aggerstrøm Hansen</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:TitleOfMemberOfSupervisoryBoard contextRef="ctx22" id="fact1507" xml:lang="en">Elected by the employees</cmn:TitleOfMemberOfSupervisoryBoard>
<cmn:NameOfAuditFirm contextRef="ctx59" id="fact1517" xml:lang="en">Deloitte Statsautoriseret Revisionspartnerselskab</cmn:NameOfAuditFirm>
<cmn:NameOfAuditFirm contextRef="ctx59" id="fact1518" xml:lang="en">Deloitte Statsautoriseret Revisionspartnerselskab</cmn:NameOfAuditFirm>
<cmn:IdentificationNumberCvrOfAuditFirm contextRef="ctx59" id="fact1519" xml:lang="en">33963556</cmn:IdentificationNumberCvrOfAuditFirm>
<cmn:NameAndSurnameOfAuditor contextRef="ctx59" id="fact1520" xml:lang="en">Kasper Bruhn Udam</cmn:NameAndSurnameOfAuditor>
<cmn:DescriptionOfAuditor contextRef="ctx59" id="fact1521" xml:lang="en">State Authorised Public Accountant</cmn:DescriptionOfAuditor>
<cmn:IdentificationNumberOfAuditor contextRef="ctx59" id="fact1522" xml:lang="en">mne29421</cmn:IdentificationNumberOfAuditor>
<cmn:NameAndSurnameOfAuditor contextRef="ctx60" id="fact1523" xml:lang="en">Jakob Lindberg</cmn:NameAndSurnameOfAuditor>
<cmn:DescriptionOfAuditor contextRef="ctx60" id="fact1524" xml:lang="en">State Authorised Public Accountant</cmn:DescriptionOfAuditor>
<cmn:IdentificationNumberOfAuditor contextRef="ctx60" id="fact1525" xml:lang="en">mne40824</cmn:IdentificationNumberOfAuditor>
<cmn:IdentificationNumberCvrOfAuditFirm contextRef="ctx60" id="fact1526" xml:lang="en">33963556</cmn:IdentificationNumberCvrOfAuditFirm>
<cmn:NameOfAuditFirm contextRef="ctx60" id="fact1527" xml:lang="en">Deloitte Statsautoriseret Revisionspartnerselskab</cmn:NameOfAuditFirm>
<cmn:NameOfAuditFirm contextRef="ctx60" id="fact1528" xml:lang="en">Deloitte Statsautoriseret Revisionspartnerselskab</cmn:NameOfAuditFirm>
<sob:StatementByExecutiveAndSupervisoryBoards contextRef="ctx1" id="fact1015" xml:lang="en">Statement by the Management The Board of Directors and the Executive Leadership Team (the  management) have today reviewed and adopted the annual  report of the Danske Bank Group for the financial year 1 January - 31  December 2024.  The consolidated financial statements are prepared in accordance  with the IFRS Accounting Standards as adopted by the EU. The Parent  Companyâs financial statements are prepared in accordance with the  Danish Financial Business Act and the Executive Order on Financial  Statements for Credit Institutions and Investment Companies, etc.  Furthermore, the annual report has been prepared in accordance  with legal requirements, including the disclosure requirements for  annual reports of listed financial institutions in Denmark.  In our opinion, the consolidated financial statements and the Parent  Company financial statements give a true and fair view of the Groupâs  and the Parent Companyâs assets, liabilities, shareholdersâ equity and  financial position at 31 December 2024 and of the results of the  Groupâs and the Parent Companyâs operations and the consolidated  cash flows for the financial year 1 January - 31 December 2024.  Moreover, in our opinion, the managementâs report includes a fair  view of developments in the Groupâs and the Parent Companyâs  operations and financial position and describes the significant risks  and uncertainty factors that may affect the Group and the Parent  Company.  The sustainability statement is prepared in accordance with the  European Sustainability Reporting Standards (ESRS) as required by  the Danish Financial Business Act and the Executive Order on  Financial Statements for Credit Institutions and Investment  Companies, etc. as well as article 8 in the EU Taxonomy regulation.  ESEF-compliant financial reports  In our opinion, the annual report of the Danske Bank Group for the  financial year 1 January â 31 December 2024 with the file name  DanskeBank-2024-12-31-0-en.zip has been prepared, in all material  respects, in compliance with the ESEF Regulation.  We recommend the annual report for adoption at the Annual General  Meeting.  </sob:StatementByExecutiveAndSupervisoryBoards>
<arr:IndependentAuditorsReportsAudit contextRef="ctx1" id="fact1057" xml:lang="en">Independent Auditorâs report</arr:IndependentAuditorsReportsAudit>
<arr:DescriptionOfQualificationsOfAuditedFinancialStatements contextRef="ctx1" id="fact1091" xml:lang="en">Basis for opinion  We conducted our audit in accordance with International Standards  on Auditing (ISAs) and the additional requirements applicable in  Denmark. Our responsibilities under those standards and  requirements are further described in the "Auditorâs responsibilities  for the audit of the consolidated financial statements and the parent  financial statements" section of this auditorâs report. We are  independent of the Group in accordance with the International Ethics  Standards Board for Accountantsâ International Code of Ethics for  Professional Accountants (IESBA Code) and the additional ethical  requirements applicable in Denmark, and we have fulfilled our other  ethical responsibilities in accordance with these requirements and  the IESBA Code. We believe that the audit evidence we have obtained  is sufficient and appropriate to provide a basis for our opinion.  To the best of our knowledge and belief, we have not provided any  prohibited non-audit services as referred to in Article 5(1) of  Regulation (EU) No 537/2014.  We were appointed auditors of Danske Bank A/S for the first time on  18 March 2015 for the financial year 2015. We have been  reappointed annually by decision of the general meeting for a total  continuous engagement period of 10 years up to and including the  financial year 2024.  </arr:DescriptionOfQualificationsOfAuditedFinancialStatements>
<arr:AddresseeOfAuditorsReportOnAuditedFinancialStatements contextRef="ctx1" id="fact1058" xml:lang="en">To the shareholders of Danske Bank A/S</arr:AddresseeOfAuditorsReportOnAuditedFinancialStatements>
<arr:AuditorsReportOnFinancialStatements contextRef="ctx1" id="fact1059" xml:lang="en">Report on the consolidated financial statements  and the parent financial statements  </arr:AuditorsReportOnFinancialStatements>
<arr:OpinionOnAuditedFinancialStatements contextRef="ctx1" id="fact1061" xml:lang="en">Opinion  We have audited the consolidated financial statements and the  parent financial statements of Danske Bank A/S for the financial year  1 January 2024 to 31 December 2024, pages 124-262, which  comprise the income statement, statement of comprehensive  income, balance sheet, statement of changes in equity and notes,  including material accounting policy information, for the Group as  well as for the Parent and the consolidated cash flow statements.  The consolidated financial statements are prepared in accordance  with IFRS Accounting Standards as adopted by the EU and additional  disclosure requirements for listed financial companies in Denmark,  and the parent financial statements are prepared in accordance with  the Danish Financial Business Act.  In our opinion, the consolidated financial statements give a true and  fair view of the Groupâs financial position at 31 December 2024 and  of its financial performance and cash flows for the financial year 1  January 2024 to 31 December 2024 in accordance with IFRS  Accounting Standards as adopted by the EU and additional disclosure  requirements for listed financial companies in Denmark.  Also, in our opinion, the parent financial statements give a true and  fair view of the Parentâs financial position at 31 December 2024 and  of its financial performance for the financial year 1 January 2024 to  31 December 2024 in accordance with the Danish Financial Business  Act.  Our opinion is consistent with our audit book comments issued to the  Audit Committee and the Board of Directors.  </arr:OpinionOnAuditedFinancialStatements>
<arr:KeyAuditMattersAudit contextRef="ctx1" id="fact1114" xml:lang="en">Key audit matters  Key audit matters are those matters that, in our professional  judgement, were of most significance in our audit of the consolidated  financial statements and the parent financial statements for the  financial year 1 January 2024 to 31 December 2024. These matters  were addressed in the context of our audit of the consolidated  financial statements and the parent financial statements as a whole,  and in forming our opinion thereon, and we do not provide a separate  opinion on these matters.  Key audit matters  Impairment charges for loans and provisions for guarantees  Loans for the Group amounted to DKK 1,996,683 million at 31  December 2024 (DKK 1,849,819 million at 31 December 2023), and  the total allowance account for the Group amounted to DKK 19,901  million at 31 December 2024 (DKK 20,140 million at 31 December  2023).  Measurement of loan impairment charges for loans and provisions  for guarantees is deemed a key audit matter as the determination of  assumptions for expected credit losses is highly subjective due to  the level of judgement applied by Management.  The most significant judgements are:  ⢠Assumptions used in the expected credit loss models to assess  the credit risk related to the exposure and the expected future  cash flows of the customer.  ⢠Timely identification of exposures with significant increase in  credit risk and credit impaired exposures.  ⢠Valuation of collateral and assumptions of future cash flows on  manually assessed credit-impaired exposures.  ⢠Post-model adjustments for particular high-risk portfolios, which  are not appropriately captured in the expected credit loss model.  Management has provided further information about the loan  impairment charges and provisions for guarantees in notes G1(b),  G11, G15, G16 and G40 to the consolidated financial statements.  How the matters were addressed in our audit  Based on our risk assessment and industry knowledge, we have  examined the impairment charges for loans and provisions for  guarantees and evaluated the methodology applied as well as the  assumptions made according to the description of the key audit  matter.  Our examination included the following elements:  ⢠Testing of key controls over assumptions used in the expected  credit loss models to assess the credit risk related to the exposure  and the expected future cash flows of the customer.  ⢠Obtaining and substantively testing evidence to support the  assumptions used in the expected credit loss models concerning  methods applied to derive loss given default.  ⢠Testing of key controls over timely identification of exposures with  significant increase in credit risk and timely identification of credit  impaired exposures.  ⢠Obtaining and substantively testing evidence of timely  identification of exposures with significant increase in credit risk  and timely identification of credit impaired exposures.  ⢠Testing of key controls over models and manual processes for  valuation of collateral and assumptions of future cash flows.  Key audit matters  Impairment charges for loans and provisions for guarantees - continued  How the matters were addressed in our audit  ⢠Obtaining and substantively testing evidence to support  appropriate determination of assumptions for loan impairment  charges and provisions for guarantees including valuation of  collateral and assumptions of future cash flows on manually  assessed credit impaired exposures.  ⢠Testing of key controls over post-model adjustments applied to  manage non-linearity that are not included in the modelled  expected credit losses  ⢠Obtaining and substantively testing evidence of post-model  adjustments for high-risk portfolios including industries affected  by the macroeconomic uncertainties with particular focus on the  methodology applied, evidence of assumptions-setting processes  and the consistency thereof by:  o Assessing the key developments since last year against  industry standards and historical data.  o Assessing the appropriateness of the different identified  post-model adjustments compared with the embedded  macro forecasts applied in the expected credit loss  models.  o Challenging the methodologies applied by using our  industry knowledge and experience.  o Challenging assumptions implemented due to expected  effects of the macroeconomic uncertainties  Key audit matters  Measurement of insurance contract liabilities  Insurance contract liabilities for the Group amounted to DKK 456,227  million at 31 December 2024 (DKK 415,414 million at 31 December  2023).  Measurement of insurance contract liabilities is deemed a key audit  matter as the determination of assumptions for the measurement of  insurance contract liabilities for life insurance contracts requires  Management to apply complex judgements about future events.  Changes in assumptions and the methodology applied may have a  material impact on the measurement of insurance contract liabilities.  Assumptions involving the most significant judgements are:  ⢠Determining disability rates, recapitalisation, mortality rates,  surrender probabilities, paid-up policy probability and provisions  for expected onerous health and accident insurance policies  ⢠Assumptions related to regulatory and reporting requirements,  including risk and interest.  Management has provided further information about insurance  contract liabilities in notes G1(b) and G18 to the consolidated  financial statements.  How the matters were addressed in our audit  Based on our risk assessment, we have examined Managementâs  valuation of insurance contract liabilities and evaluated the  methodology applied and the assumptions made.  Our examination included the following elements, where we also  made use of our internationally qualified actuaries:  ⢠Testing of key controls over the actuarial models, data collection  and analysis, including the assumptions-setting processes and the  operating effectiveness of such controls.  ⢠Assessing methods, models and data used against market  practice based on historical development and trends.  ⢠Evaluating the disability and mortality rates and surrender  probabilities used in the calculation against historical data and  market practice.  ⢠Evaluating revised principles and assumptions applied to calculate  expected onerous health and accident insurance policies.  ⢠Assessing the key changes in the assumptions against regulatory  and reporting requirements and industry standards.  ⢠Analysing developments in risk, interest and cost results, by using  our industry knowledge and experience.  </arr:KeyAuditMattersAudit>
<arr:StatementOnManagementsReviewAuditorsReportOnAuditedFinancialStatements contextRef="ctx1" id="fact1258" xml:lang="en">Statement by Management on the Managementâs report  Management is responsible for the Managementâs report.  Our opinion on the consolidated financial statements and the parent  financial statements does not cover the Managementâs report, and  we do not as part of the audit express any form of assurance  conclusion thereon.  In connection with our audit of the consolidated financial statements  and the parent financial statements, our responsibility is to read the  Managementâs report and, in doing so, consider whether the  Managementâs report is materially inconsistent with the consolidated  financial statements and the parent financial statements, or our  knowledge obtained in the audit, or otherwise appears to be  materially misstated.  Moreover, we considered whether the Managementâs report includes  the disclosures required by the Danish Financial Business Act. This  does not include the requirements of the legislation related to the  sustainability statement covered by the separate auditorâs limited  assurance report hereon.  Based on the work we have performed, in our view, Managementâs  report is in accordance with the consolidated financial statements  and the parent financial statements and has been prepared in  accordance with the requirements of the Danish Financial Business  Act except for the requirements of the legislation related to the  sustainability statement which is covered by a separate limited  assurance statement cf. above. We did not identify any material  misstatement in Managementâs report.  </arr:StatementOnManagementsReviewAuditorsReportOnAuditedFinancialStatements>
<arr:StatementOfAuditorsResponsibilityForAuditAndAuditPerformed contextRef="ctx1" id="fact1317" xml:lang="en">Auditorâs responsibilities for the audit of the consolidated financial  statements and the parent financial statements  Our objectives are to obtain reasonable assurance about whether the  consolidated financial statements and the parent financial  statements as a whole are free from material misstatement, whether  due to fraud or error, and to issue an auditorâs report that includes  our opinion. Reasonable assurance is a high level of assurance, but is  not a guarantee that an audit conducted in accordance with ISAs and  the additional requirements applicable in Denmark will always detect  a material misstatement when it exists. Misstatements can arise  from fraud or error and are considered material if, individually or in  the aggregate, they could reasonably be expected to influence the  economic decisions of users taken on the basis of these consolidated  financial statements and these parent financial statements.  As part of an audit conducted in accordance with ISAs and the  additional requirements applicable in Denmark, we exercise  professional judgement and maintain professional scepticism  throughout the audit. We also:  ⢠Identify and assess the risks of material misstatement of the  consolidated financial statements and the parent financial  statements, whether due to fraud or error, design and perform  audit procedures responsive to those risks, and obtain audit  evidence that is sufficient and appropriate to provide a basis for  our opinion. The risk of not detecting a material misstatement  resulting from fraud is higher than for one resulting from error, as  fraud may involve collusion, forgery, intentional omissions,  misrepresentations, or the override of internal control.  ⢠Obtain an understanding of internal control relevant to the audit in  order to design audit procedures that are appropriate in the  circumstances, but not for the purpose of expressing an opinion  on the effectiveness of the Groupâs and the Parentâs internal  control.  ⢠Evaluate the appropriateness of accounting policies used and the  reasonableness of accounting estimates and related disclosures  made by Management.  ⢠Conclude on the appropriateness of Managementâs use of the  going concern basis of accounting in preparation of the  consolidated financial statements and the parent financial  statements, and, based on the audit evidence obtained, whether a  material uncertainty exists related to events or conditions that  may cast significant doubt on the Groupâs and the Parentâs ability  to continue as a going concern. If we conclude that a material  uncertainty exists, we are required to draw attention in our  auditorâs report to the related disclosures in the consolidated  financial statements and the parent financial statements or, if  such disclosures are inadequate, to modify our opinion. Our  conclusions are based on the audit evidence obtained up to the  date of our auditorâs report. However, future events or conditions  may cause the Group and the Parent to cease to continue as a  going concern.  ⢠Evaluate the overall presentation, structure and content of the  consolidated financial statements and the parent financial  statements, including the disclosures in the notes, and whether  the consolidated financial statements and the parent financial  statements represent the underlying transactions and events in a  manner that gives a true and fair view.  ⢠Plan and perform the group audit to obtain sufficient and  appropriate audit evidence regarding the financial information of  the entities or business units within the group as a basis for  forming an opinion on the consolidated financial statements and  the parent financial statements. We are responsible for the  direction, supervision and review of the audit work performed for  purposes of the group audit. We remain solely responsible for our  audit opinion.  We communicate with those charged with governance regarding,  among other matters, the planned scope and timing of the audit and  significant audit findings, including any significant deficiencies in  internal control that we identify during our audit.  We also provide those charged with governance with a statement  that we have complied with relevant ethical requirements regarding  independence, and to communicate with them all relationships and  other matters that may reasonably be thought to bear on our  independence, and, where applicable, safeguards put in place and  measures taken to eliminate threats.  From the matters communicated with those charged with  governance, we determine those matters that were of most  significance in the audit of the consolidated financial statements and  the parent financial statements of the current period and are  therefore the key audit matters. We describe these matters in our  auditorâs report unless law or regulation precludes public disclosure  about the matter or when, in extremely rare circumstances, we  determine that a matter should not be communicated in our report  because the adverse consequences of doing so would reasonably be  expected to outweigh the public interest benefits of such  communication.  </arr:StatementOfAuditorsResponsibilityForAuditAndAuditPerformed>
<arr:AuditorsReportOnXbrlTagging contextRef="ctx1" id="fact1412" xml:lang="en">Report on compliance with the ESEF Regulation  As part of our audit of the consolidated financial statements and the  parent financial statements of Danske Bank A/S, we performed  procedures to express an opinion on whether the annual report of  Danske Bank A/S for the financial year 1 January 2024 to 31  December 2024, with the file name DanskeBank-2024-12-31-0-  en.zip is prepared, in all material respects, in compliance with the  Commission Delegated Regulation (EU) 2019/815 on the European  Single Electronic Format (ESEF Regulation) which includes  requirements related to the preparation of the annual report in  XHTML format and iXBRL tagging of the consolidated financial  statements including notes.  Management is responsible for preparing an annual report that  complies with the ESEF Regulation. This responsibility includes:  ⢠The preparing of the annual report in XHTML format;  ⢠The selection and application of appropriate iXBRL tags, including  extensions to the ESEF taxonomy and the anchoring thereof to  elements in the taxonomy, for financial information required to be  tagged using judgement where necessary;  ⢠Ensuring consistency between iXBRL tagged data and the  consolidated financial statements presented in human readable  format; and  ⢠For such internal control as Management determines necessary to  enable the preparation of an annual report that is compliant with  the ESEF Regulation.  Our responsibility is to obtain reasonable assurance on whether the  annual report is prepared, in all material respects, in compliance with  the ESEF Regulation based on the evidence we have obtained, and to  issue a report that includes our opinion.  The nature, timing and extent of procedures selected depend on the  auditorâs judgement, including the assessment of the risks of  material departures from the requirements set out in the ESEF  Regulation, whether due to fraud or error. The procedures include:  ⢠Testing whether the annual report is prepared in XHTML format;  ⢠Obtaining an understanding of the companyâs iXBRL tagging  process and of internal control over the tagging process;  ⢠Evaluating the completeness of the iXBRL tagging of the  consolidated financial statements inclusive of notes;  ⢠Evaluating the appropriateness of the companyâs use of iXBRL  elements selected from the ESEF taxonomy and the creation of  extension elements where no suitable element in the ESEF  taxonomy has been identified;  ⢠Evaluating the use of anchoring of extension elements to elements  in the ESEF taxonomy; and  ⢠Reconciling the iXBRL tagged data with the audited consolidated  financial statements.  In our opinion, the annual report of Danske Bank A/S for the financial  year 1 January 2024 to 31 December 2024, with the file name  DanskeBank-2024-12-31-0-en.zip is prepared, in all material  respects, in compliance with the ESEF Regulation.  </arr:AuditorsReportOnXbrlTagging>
<arr:StatementOfExecutiveAndSupervisoryBoardsResponsibilityForFinancialStatements contextRef="ctx1" id="fact1294" xml:lang="en">Managementâs responsibilities for the consolidated financial  statements and the parent financial statements  Management is responsible for the preparation of consolidated  financial statements that give a true and fair view in accordance with  IFRS Accounting Standards as adopted by the EU and additional  disclosure requirements for listed financial companies in Denmark,  and for the preparation of parent financial statements that give a  true and fair view in accordance with the Danish Financial Business  Act, and for such internal control as Management determines is  necessary to enable the preparation of consolidated financial  statements and parent financial statements that are free from  material misstatement, whether due to fraud or error.  In preparing the consolidated financial statements and the parent  financial statements, Management is responsible for assessing the  Groupâs and the Parentâs ability to continue as a going concern, for  disclosing, as applicable, matters related to going concern, and for  using the going concern basis of accounting in preparing the  consolidated financial statements and the parent financial  statements unless Management either intends to liquidate the Group  or the Parent or to cease operations, or has no realistic alternative  but to do so.  </arr:StatementOfExecutiveAndSupervisoryBoardsResponsibilityForFinancialStatements>
</xbrli:xbrl>