CSR policy

Objective
The Danske Bank Group's CSR policy is based on our five core values: integrity, commitment, accessibility, expertise and value creation.

The Group wants to ensure fair treatment of its stakeholders, minimise its negative impact on the environment and contribute to mutually favourable financial results based on social responsibility.

Customers
The Danske Bank Group wants to establish a long-term and mutually beneficial relationship with each customer. In every context, the customer must be treated professionally and with respect. The Group will work to

• achieve high customer satisfaction
• ensure that existing and potential customers receive the best possible information about products, prices and terms
• set and comply with ethical guidelines regarding advisory services and customer relationships in general
• ensure that all customer groups have easy access to the Group's services
  
  

Employees
The Danske Bank Group wants to give everyone equal opportunities. The Group will work to

• give employees access to lifelong learning
• secure employees' ability to work
• ensure a reasonable work-life balance
• exercise responsibility concerning outsourcing, staff reductions and other activities related to the takeover of new companies
• treat employees fairly and on the basis of transparent principles
• continue to ensure that all employees are employed on collective agreement terms
• maintain the best possible relations with employee organisations
• recruit highly qualified employees and support the diversity of its staff and managers
  
  

Environment
The Danske Bank Group wants to minimise its impact on the environment and its environmental risks. The Group has adopted a separate environmental policy committing itself to

• a systematic approach to the treatment of environmental matters and the assessment of customers' environmental risks
• further enhancing environmental awareness among employees
  
  

The responsibility for the environmental policy is vested centrally in the organisation, and the intention is to report periodically to the public about the Group's environmental impact and its progress in the area.

Society
The Danske Bank Group’s main contribution to society is providing financial infrastructure that enables efficient financial solutions in the local communities in which the Group operates and by being an employer. We see it as our duty to be involved in our local communities, and we spend resources on active participation in their development – both culturally and socially.

The Danske Bank Group's efforts to make its expertise available and to contribute to the development of society are anchored in the Group's mission to be the best local financial partner and our sponsor universe, which consists of three main pillars: knowledge, culture and sports:

• Knowledge: The Group wants to create a shared universe for its research, finance and investment expertise and the expertise of the worlds of politics, academia and culture. The object of joining forces is to inspire and generate new knowledge, creativity, innovation and growth.
• Culture: The Group considers close ties between culture and business a strong asset for all stakeholders. We thus want to play an active part in the further development of the dynamics between cultural and corporate life.
• Sports: The Group wants to support activities that give children and young people in particular the best possible conditions for pursuing an active and healthy lifestyle.
  
  

Responsibility for CSR
This CSR policy has been adopted by Danske Bank's Board of Directors and applies to the entire Group. Danske Bank's CSR Board monitors the drafting and implementation of the required business procedures. Compliance with business procedures as well as the basis for external reporting on CSR-related matters are validated by the Group's Audit Department.

The Group will reassess its policy on an ongoing basis and will involve representatives from external stakeholder groups.

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Last updated/revised on August 10, 2006