DNB Bank : Factbook DNB 3Q22

DNB Group

Factbook

Third quarter 2022

(Unaudited)

- 2 -

Contact information

Group Management

Kjerstin R. Braathen, CEO

Ida Lerner, CFO

For further information, please contact

Rune Helland, Head of Investor Relations	[e-mail]	[phone]
Anne Engebretsen, Investor Relations	[e-mail]	[phone]
Julie Raaholt Strømme, 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

2022

15 November Capital Markets Day

2023

9	February	Q4 2022
9	March	Annual report 2022
25	April	Annual General Meeting
26	April	Ex-dividend date
5	May	Distribution of dividends
27	April	Q1 2023
12	July	Q2 2023
19	October	Q3 2023

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

- 3 -

FACTBOOK DNB - 3Q22

Main assumptions regarding Sbanken

Sbanken became a wholly owned subsidiary of DNB on 30 March 2022 and was included in the Group's balance sheet figures as of 31 March 2022.

As from the second quarter, Sbanken has been included in all figures and tables throughout the Factbook, unless otherwise mentioned. For more information, please see note G2 in the second quarter report for the DNB Group.

- 4 -

FACTBOOK DNB - 3Q22	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
5. Balance sheet - quarterly figures
6. Balance sheet - five years
7. Key figures - quarterly figures
8. Key figures - five years
9. 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
3. Profit from investments accounted for by the equity method - Fremtind

Operating expenses

1. Operating expenses
2. Full-timepositions based on the operational structure
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. Funding
2. Redemption profile
3. Minimum requirement for own funds and eligible liabilities (MREL)
4. Asset encumbrance
5. Liquid assets
6. Liquidity Coverage Ratio (LCR)
7. Net Stable Funding Ratio (NSFR)
8. Credit ratings
9. Major shareholders
10. Ownership according to nationality
11. Share buy-back programmes

Capital adequacy

1. Own funds - condensed
2. Leverage ratio
3. Specification of exposure at default, risk exposure amount and average risk weights
4. Own funds - DNB Bank ASA and DNB Group
5. Cross-sectoralfinancial group

- 5 -