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Regulation

Danske Bank is regulated by the Danish Financial Supervisory Authority. In this section, you can find statements and comments from the Danish FSA, information about the European Banking Authority and EU stress tests, and details about directives and initiatives that affect the financial sector and the way we run our business.

The Danish FSA

Statements, decisions, supervisory reactions and the like from the Danish Financial Supervisory Authority (FSA).
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European Banking Authority

The European Banking Authority (EBA) took over the supervision of the European banking industry from the Committee of European Banking Supervisors (CEBS) on 1 January 2011. The national supervisory authorities are members of the EBA. Central banks without supervisory responsibility participate as observers.

The EBA advises EU institutions on political and legislative issues regarding banking supervision and also promotes collaboration on and convergence of supervisory practices in the EU through guidelines and recommendations for credit institutions and national authorities.

Along with other banks from EU countries, Danske Bank participates in transparency exercises initiated by the EBA. The purpose is to collect and disclose information about the banks to further enhance transparency. As a large financial institution, Danske Bank is required by the EBA to publish the indicators used to identify global systemically important banks (G-SIBs). Danske Bank is not identified as a G-SIB.

  • 13. dec 2023EBA Transparency Exercise 2023
  • 28. apr 2023Indicators for assessing systemically important banks 2022
  • 31. dec 2022EBA Transparency Excercise 2022
  • 31. dec 2021EBA transparency exercise 2021
  • 11. dec 2020EBA transparency exercise autumn 2020
  • 08. jun 2020EBA transparency exercise spring 2020
  • 29. apr 2020Indicators for assessing systemically important banks 2019
  • 29. nov 2019EBA transparency exercise 2019
  • 30. apr 2019Indicators for assessing systemically important banks 2018
  • 14. dec 2018EBA transparency exercise 2018
  • 26. apr 2018Indicators for assessing systemically important banks 2017
  • 24. nov 2017EBA transparency exercise 2017
  • 28. apr 2017Indicators for assessing systemically important banks 2016
  • 02. dec 2016EBA transparency exercise 2016
  • 28. jun 2016Indicators for assessing systemically important banks 2015
  • 04. dec 2015EBA transparency exercise 2015 - Correction
  • 04. dec 2015EBA transparency exercise 2015
  • 10. jul 2015Indicators for assessing systemically important banks 2014
  • 16. dec 2013EBA transparency exercise 2013
  • 30. okt 2014Indicators for assessing systemically important banks 2013
  • 01. jan 0001File Cloud
Visit EBA's website

Stress tests

Danske Bank is subject to regular stress trests performed by the EBA. In 2014, the Danish FSA also conducted the so-called Asset Quality Review (AQR) in parallel with the European stress test.

MREL for Danske Bank

Since March 2018, the Danish FSA has set the minimum requirement for own funds and eligible liabilities (MREL) for Danske Bank. 

  • 22. dec 2021Minimum requirement for own funds and eligible liabilities 20 December 2021
  • 23. dec 2020Minimum requirement for own funds and eligible liabilities 21 December 2020
  • 01. sep 2020Setting the minimum requirement for own funds and eligible liabilities 31 August 2020
  • 19. mar 2020Setting the minimum requirement for own funds and eligible liabilities 19 March 2020
  • 18. dec 2019Setting the minimum requirement for own funds and eligible liabilities 17 December 2019
  • 27. feb 2019Setting the minimum requirement for own funds and eligible liabilities 26 February 2019
  • 23. mar 2018Setting the minimum requirement for own funds and eligible liabilities 23 March 2018

Danske Bank as a SIFI

Since June 2014, Danske Bank A/S has been designated by the Danish FSA as a domestic systemically important financial institution (SIFI).
  • 02. feb 2024Supervisory Diamond Q4 2023
  • 02. feb 2024Internal Capital Adequacy Assessment - Q4 2023
  • 27. okt 2023Internal Capital Adequacy Assessment - Q3 2023
  • 27. okt 2023Supervisory Diamond 2023Q3

CRD/CRR

The EU's Capital Requirements Directive (CRD IV) and the Capital Requirements Regulation (CRR) together set forth capital adequacy rules for credit institutions. Since CRD IV is a directive, it was implemented in Danish law (in the Danish Financial Business Act) on 31 March 2014. Because the CRR is a regulation, it is directly applicable in Danish law. The CRR took effect on 1 January 2014.

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Contact us

If you would like more information about Danske Bank's activities, please contact us at Investor Relations. Direct contact information can be found below, while general inquiries can be directed to investor.relations@danskebank.dk