Risk and capital management

Danske Bank considers the management of risk and capital to be among its core competencies and a key factor in providing a stable, high return to shareholders.

A key component of Danske Bank’s business strategy is for risk management to support the objective of being a strong financial partner with insight and transparency in risk-taking.

The Danske Bank Group's capital management aims to ensure efficient use of capital to meet the Group's overall capital targets. The Group's risk profile complies with the capital targets and implies, among other things, that the Group must have sufficient capital to cover both organic growth and current fluctuations in the Group's exposure.

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Separate report on risk and capital management

In addition to the Annual Report, the Danske Bank Group publishes a separate report on its risk and capital management policies and practices.

Download Risk Management 2009 (597 KB)
The topics covered include the following:

the Group's risk and capital management organisation and division of responsibilities
the primary types of risk that the Group identifies and manages
how the Group reports, manages and monitors its risks
the total risk exposure at year-end
the capital management principles and methods utilised

The purpose of the report is to inform shareholders and others about the Group's capital management practices and risks and to explain the Group's risk governance structure and the risk management concepts applied.

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Governance principles

Danske Bank's corporate governance is the system of collaboration between the Group's management, shareholders and other stakeholders to achieve the company's objectives.

Read about governance principles