DNB Bank (OTCPK:DNBB.Y) Earnings Call Presentation

Debt Investor Presentation 6 January 2026 Contents 2 ▪ DNB – A brief overview ▪ The Norwegian economy ▪ Financial targets, performance and capital ▪ Loan book and asset quality ▪ ESG and sustainability ▪ Funding ▪ Appendices: ▪ Green bond framework ▪ Cover pool portfolio information and LCR eligibility ▪ ESG and digitalisation DNB – A brief overview 3 Jan - Sept 2025 Highlights ▪ Impairments NOK -1 950 mill 4 ▪ Resilient and solid earnings ▪ Pre-tax operating profit before impairment NOK 41 979 mill ▪ Profi ...