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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.

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.

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