Company Announcement for Q1-Q3 2025

For the first nine months of 2025, Jyske Realkredit generated a net profit of DKK 1,773m against DKK 1,795m in the cor-responding period of last year.

Administration margin income etc. rose to DKK 2,004m in 2025 against DKK 1,845m in 2024. The increase was due to a combination of rising loan portfolio and rising administration margin rates within the corporate customer area.

Other net interest income declined to DKK 546m from DKK 790m in 2024, which can primarily be attributed to the declin-ing interest-rate level.

Jyske Realkredit A/S Corporate Announcement No. 92 /2025 of 29 October 2025 /Page 2 of 4

Net fee and commission income, etc. amounted to an income of DKK 88m against an expense of DKK 124m in the first nine months of 2024. In 2025, we saw higher fee income from lending activity, but

also lower distribution fees to Jyske Bank.

Value adjustments, etc. amounted to an income of DKK 114m against an income of DKK 197m in the corresponding pe-riod of last year and relate to Jyske Realkredit’s securities portfolios. Considering the turbulent market conditions in 2025, a positive value adjustment of DKK 114m is regarded as satisfactory.

Costs rose to DKK 339m compared with DKK 331m in the same period last year, partly due to sector-wide salary in-creases.

Loan impairment charges remained at a low level and amounted to an expense of DKK 14m against an income of DKK 50m in 2024. The total balance of impairment charges amounted to DKK 1,130m at 30 September 2025 against DKK 1,177m at the end of 2024

At the end of September 2025, Jyske Realkredit’s balance sheet amounted to DKK 412bn (DKK 400bn at the end of 2024 and DKK 397bn at the end of the third quarter of 2024).

Mortgage loans at nominal value increased by DKK 11.2bn from DKK 381.5bn at the end of 2024 to DKK 392.7bn at 30 September 2025, corresponding to an increase of 2.9%. Of the increase, DKK 5.2bn related to the corporate customer area and DKK 6.0bn to the personal customer area. Relative to third quarter of 2024, nominal mortgage loans rose by DKK 15.9bn or 4.2%.

At 30 September 2025, Jyske Realkredit’s capital ratio amounted to 26.2% (end of 2024: 27.3%) calculated on the basis of a capital base of DKK 27,823m. The reason behind the decline in the capital ratio in 2025 is primarily due to the transition to new solvency rules according to CRR3, which came into effect at the beginning of 2025, leading as expected to a sizea-ble increase in the weighted risk exposure.