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Our strategy

With Forward ’28, we take action to unleash our full potential to the benefit of all our stakeholders – customers, shareholders, employees and society.

We set clear ambitions to continue our efforts to strengthen our position as a leading bank in the Nordic region and make significant investments in customer offerings.

We build on the fundamental changes we have made to the bank in recent years, which have led to a more focused business with a reduced risk level, a strengthened organisation and strong commercial momentum. And we are convinced that Danske Bank has significant potential beyond what we have delivered until now.

See announcement

First and foremost, our new strategy is an investment in improving the customer experience. We will significantly increase our investments in digital platforms, expert advice and sustainability, and we will focus on the areas where we see the best opportunities for helping our customers.

Carsten Egeriis

CEO, Danske Bank

A Nordic bank with a sharpened focus in each market



We want to reaffirm our position as the bank of choice across customer segments.



We want to maintain our position, serving customer needs across a broad set of segments and focusing on customers with advanced needs in primarily urban areas.



We want to become the premium retail and private banking bank for business owners and customers with advanced needs.



We will focus on developing our already strong position in the corporate, institutional and business customer segments.

Areas where we will make a difference for our customers

To further strengthen the bank and enable our customers to unleash their potential, we have identified four key areas that are strategically important for us, and where we have a strong potential to differentiate ourselves and make a difference for our customers.

  • Advisory 

  • Digital
     

  • Sustainability 

  • Simple, efficient, secure

Enabling our customers to make better informed financial decisions by deepening the strength and proactivity of our advisory services

Providing advice to customers is at the core of what we do as a bank – whether it is a young family, a small start-up business or a large corporate customer.

To make the most impact for our customers, we will leverage the breadth and depth of our expertise, and we will reinforce our segmentation models in all business units, which will enable us to become even more focused and targeted in meeting the needs of our customers.

We will become even more proactive in our engagement with customers and increase adviser productivity through better tools and upskilling.

Initiatives in our business units 

2026 financial targets

We have set new financial targets for 2026, which reflect our ambition to deliver a solid return on equity, continue to simplify and raise efficiency, lower costs and to consistently generate and distribute capital to our shareholders based on low risk levels:

Return on equity: 13% with a CET1 ratio of above 16%

Cost/income ratio: Around 45%