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]

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 hold auctions for mortgage covered bonds series 10F on 27 March 2025, with a value date of 31 March 2025 due to remortgaging activity [1] - The final amounts for the auctions will be announced on the auction day via Bloomberg's chat system, with expected sales of DKK 300 million for FlexLån®, DKK 400 million for other floating rate loans, and DKK 200 million for fixed rate loans [2] - A total of DKK 5.1 billion, including auction amounts, is expected to be sold, although Realkredit Danmark is not obligated to sell the entire announced amount [3]