Group 1 - The announcement details the final results of Realkredit Danmark's auctions for refinancing FlexLån® and FlexLife® as of April 1, 2026 [1] - The results of the mortgage covered bonds auctions are included in an appendix to the announcement [1] - The announcement is dated February 6, 2026, and is classified as Company Announcement number 10/2026 [1]

Financial Performance - Realkredit Danmark reported a net profit of DKK 4,848 million for 2025, an increase from DKK 4,424 million in 2024, driven by loan impairment reversals and lower expenses [12] - Total expenses decreased to DKK 898 million in 2025 from DKK 1,010 million in 2024, primarily due to the cessation of payments to the fully funded Resolution Fund and reductions in operating expenses [12] - The company experienced a net reversal of loan impairment charges amounting to DKK 258 million in 2025, compared to a charge of DKK 333 million in 2024, indicating strong credit quality [12] Market Position and Strategy - Realkredit Danmark plays a significant role within Danske Bank Group, aiming to be a leading bank in mortgages and property finance for both households and businesses [3] - The company financed several of the largest transactions in the Danish commercial real estate market in 2025, reinforcing its strong market position [12] - The green loan portfolio surpassed DKK 34 billion by the end of 2025, growing from DKK 29 billion in 2024, highlighting the company's commitment to sustainable financing [12] Product and Service Enhancements - In 2025, Realkredit Danmark removed the additional margin on new interest-only loans with a loan-to-value ratio below 60%, providing customers with greater financial flexibility [2] - The introduction of the Danske BoligStart concept in June aimed to support first-time homebuyers aged 18 to 38 by offering guidance and minimizing uncertainty during the home-buying process [4] - New digital features, including a loan monitoring 'traffic light' system and an improved home finance tool, were launched to enhance customer experience and streamline the loan application process [5][6] Market Outlook - The Danish housing market showed resilience in 2025, supported by a robust labor market and easing inflation, with increasing prices and activity levels despite low consumer confidence [9] - Growth in the housing market is projected to moderate in 2026, with an estimated increase of 6.5% [9] - Realkredit Danmark expects a net profit for 2026 to be within the range of DKK 4.2 billion to DKK 4.7 billion [12]

Group 1 - The company, Realkredit Danmark, announces the final amounts of mortgage covered bonds (SDRO) to be auctioned for refinancing FlexLån and FlexLife® in series 10F starting from April 1, 2026 [1] - Approximately DKK 30 million of FlexLån® with a government guarantee will be refinanced in series 10A, with the auction scheduled for February 25, 2026, at 11:45 am [2] - Interested parties can contact RD Funding for further inquiries, specifically reaching out to the Head of RD Funding, Christian Rosenstand [3]

Core Viewpoint - Realkredit Danmark is set to hold auctions for mortgage covered bonds series 10F and 10G to refinance FlexLån and FlexLife® with variable loan rates starting from April 1, 2026 [1]. Group 1: Auction Details - The auctions will take place from February 3 to February 6, 2026, with preliminary amounts and specific ISIN distributions subject to change [2]. - The final amounts for each ISIN to be auctioned, along with specific auction dates, will be announced on February 2, 2026 [3]. Group 2: Updates and Information - The preliminary amount of bonds to be refinanced will be updated weekly on the company's investor website starting from week 2 of 2026 [3]. - Any inquiries regarding the auctions can be directed to Christian Rosenstand, Head of RD Funding [3].

Core Points - Realkredit Danmark will conduct auctions for mortgage covered bonds series 10F and 11F on December 23, 2025, due to remortgaging activities starting January 1, 2026 [1] - The final amounts for the auctions will be announced on the auction day via Bloomberg's chat system around 9:00 a.m. [2] - The auction terms and conditions are detailed in the appendix of the announcement [3] Sales Expectations - An increase in bond sales is anticipated, with expected sales as follows: - FlexLån® (other maturities, January): DKK 400 million - FlexLån® (other maturities, April): DKK 400 million - Other floating rate loans: DKK 150 million - Fixed rate loans: DKK 300 million [4] - A total of DKK 6.30 billion, including auction amounts, is expected to be sold [5] - Realkredit Danmark is not obligated to sell the entire announced amount of bonds [6]

Core Insights - Realkredit Danmark announces the final results of bond sales for refinancing FlexLån and FlexLife® effective from January 1, 2026 [1] Group 1: Bond Sales Results - The announcement includes detailed results of the mortgage covered bonds sold, which are outlined in the appendix [1][3]

Group 1 - The company, Realkredit Danmark, is set to open 12 new mortgage covered bonds (SDRO) for traditional FlexLån® funding and 4 new mortgage covered bonds (SDRO) for FlexLån® with government guarantee [1] - Further details regarding the characteristics of the bonds will be provided in an appendix [1] - The final terms of the bonds will be announced through a prospectus once they are available [2]

Core Points - Realkredit Danmark will change the refinancing date for new FlexLån® and variable rate FlexLife® loans from 1 January to 1 April, effective 25 November 2025, to mitigate refinancing risk and ensure compliance with the Supervisory Diamond [1] - During the transitional period, loans with a refinancing date of 1 January will still be disbursed, and the refinancing date for already disbursed loans will remain unchanged [2]

Group 1 - Realkredit Danmark will conduct auctions for mortgage covered bonds (SDRO) to refinance FlexLån starting from January 1, 2026 [1] - The auctions for series 10F and 10G are scheduled to take place from November 17 to November 21, 2025 [1] - Preliminary amounts and specific ISIN distributions for the auctions are subject to change, with updates available weekly on the company's investor website starting from week 41 [2] Group 2 - The final amounts for each ISIN to be auctioned, along with specific auction dates, will be announced in early November [3] - Any inquiries regarding the auctions can be directed to Christian Rosenstand, Head of RD Funding [4]

Group 1 - Realkredit Danmark is opening new mortgage covered bonds (SDRO) for the funding/refinancing of RD Nibor3® and RD Stibor3® [1] - The new bonds will have specific characteristics, including a reference rate of NIBOR 3M for Series 16G in NOK with an initial coupon of 4.80% and STIBOR 3M for Series 15G in SEK with an initial coupon of 2.60% [1] - The maturity dates for the new bonds are set for October 1, 2028, for Series 16G and October 1, 2029, for Series 15G [1] Group 2 - The final terms of the new bonds will be published shortly through an announcement of the prospectus [2] - Any additional inquiries can be directed to the Chief Analyst, Hella Gebhardt Rønnebæk [3]