DNB Bank : Fact Book 2Q21

DNB Group

Factbook

Second quarter 2021 (Unaudited)

Q

2

Contact information

Group Management

Kjerstin R. Braathen, CEO

Ottar Ertzeid, CFO

For further information, please contact

Rune Helland, head of Investor Relations	[e-mail]	[phone]
Anne Engebretsen, Investor Relations	[e-mail]	[phone]
Marius Michelsen Fjellbo, Investor Relations	[e-mail]	[phone]
Thor Tellefsen, Long Term Funding	[e-mail]	[phone]
Mathias Bruvik, head of Group Financial Reporting	[e-mail]	[phone]

Address

DNB, P.O.Box 1600 Sentrum, N-0021 Oslo

Visiting address: Dronning Eufemias gate 30, Bjørvika, 0191 Oslo

Telephone number

[phone]

Information on the Internet

DNB's Investor Relations page: ir.dnb.no

Financial calendar

2021

21 October

Q3 2021

2022

10	February	Q4 2021
10	March	Annual report 2021
26	April	Annual General Meeting
27	April	Ex-dividend date
As of 5 May	Distribution of dividends
28	April	Q1 2022
12	July	Q2 2022
20	October	Q3 2022

Statements regarding DNB's relative market positions are, unless otherwise specified, based on internal DNB analyses.

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FACTBOOK DNB - 2Q21

CONTENTS

Contents chapter 1 - DNB Group

Financial results and key figures

1. Income statement - condensed
2. Income statement - quarterly figures
3. Income statement - five years
4. Comprehensive income statement - quarterly figures
5. Comprehensive income statement - five years
6. Balance sheet - quarterly figures
7. Balance sheet - five years
8. Key figures - quarterly figures
9. Key figures - five years
10. Key figures - definitions

Net interest income

1. Net interest income - split by segments
2. Average volumes - split by segments
3. Interest rate spreads - split by segments
4. Quarterly development in average interest rate spreads
5. Net interest income
6. Changes in net interest income

Net other operating income

1. Net other operating income
2. Net gains on financial instruments at fair value

Operating expenses

1. Operating expenses
2. Number of employees - full-time positions
3. IT expenses

Loans and financial commitments

1. Loans and financial commitments to customers by industry segment
2. Development in maximum exposure of loans and financial commitments to customers
3. Development in accumulated impairment of loans and financial commitments to customers
4. Stage 3 - development in net loans at amortised cost and financial commitments to customers
5. Impairment of financial instruments

Exposure at default (EAD) and risk classification

1. Credit portfolio
2. • EAD by industry segment
   • Risk classification of portfolio
3. Customer segments
4. • EAD
   • Risk classification of portfolio
5. Breakdown of commercial real estate
6. • EAD
   • Risk classification of portfolio
   • EAD by geographic distribution
7. Breakdown of shipping
8. • EAD
   • Risk classification of portfolio
   • Risk classification of portfolio - breakdown into sub-segments
9. Breakdown of oil, gas and offshore
10. • EAD
    • Risk classification of portfolio
    • Risk classification of portfolio - breakdown into sub-segments
11. DNB's risk classification

Liquidity, funding and shareholder structure

1. Deposits from customers and loans to customers
2. Funding
3. Redemption profile
4. Asset encumbrance DNB Bank Group
5. Liquid assets
6. Liquidity Coverage Ratio
7. Credit ratings
8. Major shareholders
9. Ownership according to nationality
10. Share buy-back programmes

Capital adequacy

1. Own funds - DNB Group
2. Leverage ratio
3. Specification of capital requirements
4. Specification of capital requirements for credit risk
5. Own funds - including DNB Bank ASA and DNB Bank Group
6. Cross-sectoralfinancial group

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FACTBOOK DNB - 2Q21

CONTENTS

Contents chapter 2 - Segmental reporting

Financial performance

1. Extracts from income statement
2. Main balance sheet items and key figures
3. Key figures - Norwegian and international units

Market shares

1. DNB's market shares in Norway - retail market and corporate market
2. Development in market shares, loans and deposits
3. DNB Livsforsikring - market shares
4. DNB Asset Management - market shares retail market

Personal customers (PC)

1. Financial performance
2. Key performance metrics - main customer divisions
3. Risk classification of portfolio
4. EAD by industry segment
5. Distribution of loan to value
6. DNB Boligkreditt - Average mortgage lending - volumes and spreads
7. DNB Eiendom - Residential real estate broking in Norway

Corporate customers (CC)

1. Financial performance
2. Key performance metrics - main customer divisions
3. Risk classification of portfolio
4. EAD by industry segment

Other operations

2.5.1 Financial performance

Main subsidiaries and product units

Total DNB Markets activity:

1. Financial performance
2. Break down of revenues
3. Value-at-Risk

DNB Livsforsikring Group:

1. Financial performance
2. Non-guaranteedproducts income
3. Guaranteed products income
4. Reconciliation of the DNB Livsforsikring Group's and the DNB Group's financial statements
   DNB Asset Management:
5. Financial performance

Contents chapter 3 - The Norwegian economy

1. Basic information about Norway
2. Government net financial liabilities
3. GDP growth mainland Norway and unemployment rate
4. Contribution to volume growth in GDP, mainland Norway
5. Composition of GDP
6. Composition of exports
7. Key macro-economic indicators, Norway
8. Credit market, 12 month percentage growth
9. Deposit market, 12 month percentage growth
10. House prices
11. Household interest burden and debt burden

Appendix

Disclosure of main features of regulatory capital instruments

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