Interim report
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DNB GROUP – THIRD QUARTER REPORT 2026 / 1 DNB Group Third quarter report 2026 3 (Unaudited)
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Financial highlights Income statement Amounts in NOK million 3rd quarter 2026 3rd quarter 2025 Jan.-Sept. 2026 Jan.-Sept. 2025 Full year 2025 Net interest income 15,504 15,990 45,935 48,552 64,731 Net commissions and fees 4,489 3,916 13,188 11,786 16,398 Net gains on financial instruments at fair value 756 1,387 2,910 3,099 4,431 Net insurance result 458 521 1,446 1,158 1,705 Other operating income 485 876 2,330 2,499 3,384 Net other operating income 6,189 6,700 19,874 18,542 25,918 Total income 21,693 22,691 65,809 67,094 90,649 Operating expenses (8,593) (8,428) (25,892) (24,985) (34,297) Restructuring costs and non-recurring effects (42) (55) (172) (130) (179) Pre-tax operating profit before impairment 13,059 14,208 39,745 41,979 56,173 Net gains on fixed and intangible assets 0 2 16 23 28 Impairment of financial instruments (529) (862) (1,511) (1,950) (2,803) Pre-tax operating profit 12,530 13,347 38,250 40,052 53,398 Tax expense (2,757) (2,669) (8,728) (8,010) (9,894) Profit from operations held for sale, after taxes 71 6 4 (67) 82 Profit for the period 9,844 10,684 29,526 31,974 43,586 Balance sheet Amounts in NOK million 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Total assets 3,860,316 3,695,290 3,801,152 Loans to customers 2,271,021 2,403,340 2,467,848 Deposits from customers 1,523,576 1,521,872 1,536,884 Total equity 283,776 295,855 284,050 Average total assets 4,028,413 4,184,938 4,278,998 Total combined assets¹ 5,246,437 4,930,301 4,959,952 1 Defined as alternative performance measure (APM). APMs are described on ir.dnb.no. DNB GROUP – THIRD QUARTER REPORT 2026 / 2
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Key figures and alternative performance measures 3rd quarter 2026 3rd quarter 2025 Jan.-Sept. 2026 Jan.-Sept. 2025 Full year 2025 Return on equity, annualised (per cent)¹ 14.5 15.8 14.4 15.7 15.9 Earnings per share (NOK) 6.57 6.98 19.58 20.81 28.45 Combined weighted total average spreads for lending and deposits (per cent)¹ 1.20 1.35 1.21 1.36 1.34 Average spreads for ordinary lending to customers (per cent)¹ 1.33 1.73 1.39 1.70 1.68 Average spreads for deposits from customers (per cent)¹ 1.03 0.84 0.97 0.90 0.89 Cost/income ratio (per cent)¹ 39.8 37.4 39.6 37.4 38.0 Ratio of customer deposits to net loans to customers at end of period, customer segments (per cent)¹ 71.6 73.6 71.6 73.6 72.2 Net loans at amortised cost and financial commitments in stage 2, per cent of net loans at amortised cost¹ 7.47 6.58 7.47 6.58 6.37 Net loans at amortised cost and financial commitments in stage 3, per cent of net loans at amortised cost¹ 0.86 0.82 0.86 0.82 0.81 Impairment relative to average net loans to customers at amortised cost, annualised (per cent)¹ (0.09) (0.15) (0.09) (0.11) (0.12) Common equity Tier 1 capital ratio at end of period (per cent) 17.3 17.9 17.3 17.9 17.9 Leverage ratio at end of period (per cent) 6.3 6.3 6.3 6.3 6.6 Share price at end of period (NOK) 315.80 271.50 315.80 271.50 281.50 Book value per share at end of period (NOK) 182.50 177.93 182.50 177.93 186.02 Price/book value¹ 1.73 1.53 1.73 1.53 1.51 Dividend per share (NOK) 18.00 Sustainability: Lending and facilitation of funding to the sustainable transition (NOK billion, accumulated) 1,076 877 1,076 877 929 Score from Traction's reputation survey in Norway (points) 59 59 59 59 61 Customer satisfaction index, CSI, personal customers in Norway (score) 73.2 70.9 73.2 70.9 72.3 Female representation at management levels 1-4 (per cent) 38 38 38 38 38 1 Defined as alternative performance measure (APM). APMs are described on ir.dnb.no. For additional key figures and definition, please see the Factbook on ir.dnb.no. DNB GROUP – THIRD QUARTER REPORT 2026 / 3
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Contents Directors’ report ..................................................................... 5 Accounts for the DNB Group G - Income statement ................................................................................ 16 G - Comprehensive income statement ................................................... 17 G - Balance sheet ....................................................................................... 18 G - Statement of changes in equity ......................................................... 19 G - Cash flow statement ........................................................................... 21 Note G1 Basis for preparation ..................................................... 22 Note G2 Segments ........................................................................ 22 Note G3 Capital adequacy .......................................................... 24 Note G4 Taxes ............................................................................... 25 Note G5 Development in gross carrying amount and maximum exposure .................................................................................... 26 Note G6 Development in accumulated impairment of financial instruments .................................................................................. 27 Note G7 Loans and financial commitments to customers by industry segment ....................................................................................... 28 Note G8 Financial instruments at fair value ............................... 30 Note G9 Debt securities issued, senior non-preferred bonds and subordinated loan capital .................................................................. 31 Note G10 Contingencies ................................................................ 33 Accounts for DNB Bank ASA (parent company) P - Income statement ................................................................................ 35 P - Comprehensive income statement .................................................... 36 P - Balance sheet ........................................................................................ 37 P - Statement of changes in equity .......................................................... 38 Note P1 Basis for preparation ..................................................... 39 Note P2 Capital adequacy .......................................................... 40 Note P3 Development in accumulated impairment of financial instruments .................................................................................. 41 Note P4 Financial instruments at fair value ............................... 42 Note P5 Information on related parties ..................................... 43 Information about DNB ......................................................... 44 DNB GROUP – THIRD QUARTER REPORT 2026 / 4 There has been no full or partial external audit of the quarterly directors’ report and accounts.
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Directors’ report DNB's results in the third quarter were solid, supported by a resilient Norwegian economy. Economic activity increased further, with business investment holding up and the decline in housing investment coming to a halt, even as residential construction remained low. Employment continued to rise, and capacity utilisation drifted down to slightly below a normal level. The Norwegian central bank, Norges Bank, raised the key policy rate on 24 September, from 4.25 per cent to 4.50 per cent, and signalled that the rate would likely need to remain elevated for a time. The capital situation for DNB remained sound, and the portfolio well diversified and robust. Third quarter financial performance The Group delivered profits of NOK 9,844 million in the third quarter, a decrease of NOK 839 million, or 7.9 per cent, from the corresponding quarter of last year, but on the same level as in the second quarter of 2026. The sale of DNB’s ownership share in Luminor had a negative effect of NOK 704 million on the profits in the quarter, partly offset by a gain of NOK 277 million related to the sale of DNB Næringseiendom. Earnings per share were NOK 6.57 in the quarter, compared with NOK 6.98 in the year-earlier period and NOK 6.50 in the second quarter. The common equity Tier 1 (CET1) capital ratio was 17.3 per cent at end-September, down from 17.9 per cent a year earlier and from 17.4 per cent in the previous quarter. The leverage ratio was 6.3 per cent at end-September, which was at the same level as the year-earlier period and the previous quarter. Annualised return on equity (ROE) was 14.5 per cent in the third quarter, driven by strong performance and high activity across the Group. The corresponding figures were 15.8 per cent in the third quarter of 2025, and 14.6 per cent in the second quarter of 2026. Net interest income decreased by NOK 486 million, or 3.0 per cent, from the third quarter of 2025. Compared with the previous quarter, net interest income increased by NOK 372 million, or 2.5 per cent, due to repricing effects and higher interest on equity. Net other operating income was affected by the sale of Luminor and DNB Næringseiendom, and amounted to NOK 6,189 million in the quarter, down NOK 511 million or 7.6 per cent from the corresponding quarter of 2025, and down NOK 1,002 million, or 13.9 per cent, from the previous quarter. Net commissions and fees were up NOK 573 million, or 14.6 per cent, compared with the corresponding quarter of last year, primarily driven by corporate finance and asset management services Operating expenses totalled NOK 8,634 million in the third quarter, up NOK 151 million, or 1.8 per cent, from the corresponding period a year earlier. Compared with the previous quarter, operating expenses were down NOK 355 million, or 4.0 per cent, reflecting seasonally lower activity. Impairment of financial instruments amounted to NOK 529 million in the third quarter, mainly related to company-specific events within various segments. Sustainability Sustainability efforts during the quarter remained focused on enabling the customer transition and integrating sustainability considerations into decision-making processes. The Group continued to advance its sustainability assessment framework, by making ongoing enhancements to risk and credit processes and strengthening analytical tools. Sustainable finance activity has been solid across the Nordic market so far this year. Demand for green bonds and green loans continues to be robust, while DNB has supported customers through sustainability-related advisory services, including in connection with selected initial public offerings (IPOs). As at end-September, DNB had mobilised a cumulative total of NOK 1,076 billion to the sustainable transition, through lending and facilitation. DNB remains on track to reach the target of NOK 1,500 billion to the sustainable transition by 2030. Other events in the third quarter The 1.0 per cent share buy-back programme announced on 15 May was completed on 10 July. On 14 July, DNB announced another programme of up to 1.0 per cent. As of 30 September, DNB had repurchased 9,338,237 shares in the open market under this second programme, and it was completed on 2 October. A proposal will be made at the Annual General Meeting in 2027 to cancel the shares bought back under the two programmes. In addition, according to an agreement with the Norwegian government, represented by the Ministry of Trade, Industry and Fisheries, a proposal will be made at the same meeting to redeem a proportion of the government’s holding. Furthermore, on 20 October a new share buy-back programme of 0.75 per cent was approved by the Board of Directors. In the third quarter, a new digital voice portal was launched, enabling customers to reach the right adviser faster. As a result, 92 per cent of customers were connected to the correct adviser on the first attempt. On 20 July, DNB announced the sale of its 19.95 per cent ownership stake in Luminor to OTP Bank Plc. Following the announcement, the investment was classified as held for sale, and a loss of NOK 704 million was recognised in the third quarter. DNB GROUP – THIRD QUARTER REPORT 2026 / 5
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The sale of DNB Næringseiendom to the Norwegian real estate firm UNION Gruppen was completed on 1 September and resulted in a gain of NOK 277 million in the quarter. On 1 September, DNB integrated the competence and areas of responsibility of the Group unit Products, Data & Innovation (PDI) into the Group unit Technology & Services, and the business areas Personal Banking and Corporate Banking Norway. The Group unit PDI was consequently dissolved. The change aims to reduce complexity, increase implementation capacity and bring product development closer to customers. Following the decision of Norges Bank to increase the key policy rate by 0.25 percentage point on 24 September, DNB decided to increase interest rates on mortgages and deposits by up to 0.25 percentage point. The new rates entered into effect on 29 September for new mortgages and deposits and will apply from 29 November for existing mortgages and deposits. In Traction’s reputation survey for the third quarter, DNB achieved a score of 59 points, up from 58 in the previous quarter. The target is a score of over 65 points, indicating that DNB is a well-liked bank. On 1 October, Mitra Hagen Negård took up the position of Head of Investor Relations at DNB, succeeding Rune Helland. Financial performance in the three first quarters DNB recorded profits of NOK 29,526 million in the first three quarters of 2026, down NOK 2,449 million, or 7.7 per cent, from the corresponding period in 2025. Annualised return on equity was 14.4 per cent, compared with 15.7 per cent in the year-earlier period, and earnings per share were NOK 19.58, down from NOK 20.81. Net interest income decreased by NOK 2,618 million, or 5.4 per cent. There was an average increase in performing loans of 3.0 per cent and a 0.9 per cent increase in average deposit volumes from the first three quarters of 2025. The combined spreads narrowed by 15 basis points, compared with the year-earlier period. Average lending spreads for the customer segments narrowed by 32 basis points and deposit spreads widened by 8 basis points. Net other operating income increased by NOK 1,333 million, or 7.2 per cent. Net commissions and fees showed a strong development and increased by NOK 1,401 million, or 11.9 per cent. The growth was primarily driven by investment banking, asset management and the sale of insurance products. Investment banking benefited from strong corporate finance activity, particularly within Equity Capital Markets (ECM), Debt Capital Markets (DCM) and mergers and acquisitions, while asset management was supported by record net inflows, higher assets under management and positive market valuation effects. These gains more than offset weaker income from money transfer and banking services, which reflected higher payment-related costs as well as credit insurance and securitisation costs, in addition to lower real estate broking activity. Guarantee commissions were broadly resilient despite adverse foreign exchange rates, portfolio mix effects and the phasing out of tax guarantees. Total operating expenses were up NOK 949 million, or 3.8 per cent. Personnel expenses increased due to wage growth as well as activity-based variable salaries and the closed defined-benefit pension scheme which is partly hedged. The IT expenses increased due to price growth and investment in AI (artificial intelligence) and modernisation initiatives. There were impairment provisions of NOK 1,511 million in the first three quarters of 2026, compared with impairment provisions of NOK 1,950 million in the corresponding period of last year. For the personal customers industry segment, there were impairment provisions of NOK 215 million. The impairment provisions could mainly be seen in stages 2 and 3, driven by consumer finance. The corporate customers industry segments saw impairment provisions of NOK 1,296 million in the first three quarters of 2026, including a provision relating to the legacy portfolio in Poland. Additional impairment provisions were mainly driven by specific customers in stage 3, spread across various industry segments. Third quarter income statement – main items Net interest income Amounts in NOK million 3Q26 2Q26 3Q25 Interest margin on performing loans - customer segments 6,890 6,618 8,713 Interest margin on deposits - customer segments 3,932 3,858 3,148 Amortisation effects and fees 1,314 1,313 1,420 Equity and non-interest bearing items 2,766 2,695 2,534 Operational leasing 666 656 697 Contributions to the deposit guarantee and resolution funds (367) (385) (339) Other net interest income 301 377 (181) Net interest income 15,504 15,132 15,990 DNB GROUP – THIRD QUARTER REPORT 2026 / 6
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Net interest income decreased by NOK 486 million, or 3.0 per cent, from the third quarter of 2025. This was mainly due to repricing effects and competition. There was an average increase of NOK 51.2 billion, or 2.6 per cent, in performing loans. Adjusted for exchange rate effects, volumes were up NOK 85.0 billion, or 4.2 per cent. During the same period, deposits were up NOK 28.5 billion, or 1.9 per cent. Adjusted for exchange rate effects, deposits were up NOK 55.8 billion, or 3.8 per cent. Average lending spreads narrowed by 40 basis points, while average deposit spreads widened by 19 basis points. Volume-weighted spreads for the customer segments narrowed by 15 basis points. Compared with the second quarter of 2026, net interest income increased by NOK 372 million, or 2.5 per cent. This was due to repricing effects and higher interest on equity, as well as one additional interest day. There was profitable growth in both loans and deposits, with an average increase in performing loans of NOK 17.4 billion, or 0.9 per cent, and an increase in deposits of NOK 3.9 billion, or 0.3 per cent. Average lending spreads widened by 3 basis points, and average deposit spreads widened by 1 basis point. Volume- weighted spreads for the customer segments widened by 2 basis points. Net other operating income Amounts in NOK million 3Q26 2Q26 3Q25 Net commissions and fees 4,489 4,569 3,916 Basis swaps 151 (290) 264 Exchange rate effects related to additional Tier 1 capital (534) 96 (136) Net gains on other financial instruments at fair value 1,139 1,152 1,259 Net insurance result 458 501 521 Net profit from associated companies (310) 550 361 Other operating income 795 613 516 Net other operating income 6,189 7,191 6,700 In the third quarter, net other operating income saw a negative effect of NOK 704 million, due to the sale of Luminor, which affected net profit from associated companies. The sale of DNB Næringseiendom had a positive effect on other operating income of NOK 277 million in the quarter. Compared with the third quarter of 2025, there was a decrease of NOK 511 million, or 7.6 per cent. However, net commissions and fees contributed positively and increased by NOK 573 million, or 14.6 per cent. There were strong results across product areas, particularly within corporate finance and asset management services, with an all-time high net flow of NOK 54.5 billion in the quarter. Compared with the previous quarter, net other operating income decreased by NOK 1,002 million, or 13.9 per cent. There was a negative exchange rate effect related to additional Tier 1 (AT1) capital, and net commissions and fees decreased by NOK 80 million, or 1.7 per cent. Operating expenses Amounts in NOK million 3Q26 2Q26 3Q25 Salaries and other personnel expenses (5,137) (5,420) (5,028) Restructuring expenses (36) (27) (55) Other expenses (2,537) (2,577) (2,460) Depreciation of fixed and intangible assets (919) (907) (941) Impairment of fixed and intangible assets (6) (58) - Total operating expenses (8,634) (8,989) (8,483) Total operating expenses increased by NOK 151 million, or 1.8 per cent, compared with the third quarter of 2025. Compared with the second quarter of 2026, operating expenses were down NOK 355 million, or 4.0 per cent. This was due to seasonally lower activity. In addition, there were lower pension expenses, due to lower return on the closed defined-benefit pension scheme. The cost/income ratio was 39.8 per cent in the quarter. Impairments of financial instruments by industry segment Amounts in NOK million 3Q26 2Q26 3Q25 Personal customers (131) 43 (103) Commercial real estate (46) (33) (153) Residential property 10 (145) (53) Power and renewables 1 4 (8) Oil, gas and offshore 69 (5) 41 Other (432) (203) (585) Total impairment of financial instruments (529) (338) (862) Impairment of financial instruments amounted to NOK 529 million in the quarter. Impairment provisions in the personal customers industry segment amounted to NOK 131 million. The impairment provisions could primarily be seen in stages 2 and 3, due to slightly negative customer migration. The corporate customers industry segments saw impairment provisions of NOK 398 million. The impairment provisions could primarily be seen in stage 3, relating to specific customers spread across various industry segments. In the corresponding quarter of 2025, impairment provisions amounted to NOK 862 million, while the second quarter of 2026 saw impairment provisions of NOK 338 million. The macro forecasts remained relatively stable during the third quarter and did not have a significant impact on the impairment of the portfolio. The Group’s net loan portfolio remained robust, with 99.4 per cent in stages 1 and 2. Net stage 3 loans and financial commitments amounted to NOK 19.2 billion at end- September 2026, which was a decrease of NOK 0.6 billion from the corresponding period of 2025, and a decrease of NOK 0.3 billion from the previous quarter. Taxes in the quarter The DNB Group’s tax expense for the third quarter is estimated at NOK 2,757 million, or 22 per cent of the pre- tax operating profit. DNB GROUP – THIRD QUARTER REPORT 2026 / 7
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Financial performance – segments Financial governance in DNB is adapted to the different customer segments. Reported figures reflect total sales of products and services to the relevant segments. Personal customers Amounts in NOK million 3Q26 2Q26 3Q25 Net interest income 5,260 4,847 5,806 Net other operating income 2,270 2,212 2,089 Total income 7,530 7,060 7,895 Operating expenses (3,146) (3,171) (3,116) Pre-tax operating profit before impairment 4,384 3,889 4,779 Net gains on fixed and intangible assets - 0 0 Impairment of financial instruments (67) 57 (140) Profit from repossessed operations 69 (0) 29 Pre-tax operating profit 4,386 3,945 4,668 Tax expense (1,097) (986) (1,167) Profit for the period 3,290 2,959 3,501 Average balance sheet items Amounts in NOK billion 3Q26 2Q26 3Q25 Loans to customers 984.7 980.2 969.7 Deposits from customers 658.3 647.0 634.8 Key figures Numbers in per cent 3Q26 2Q26 3Q25 Lending spreads¹ 0.61 0.54 1.20 Deposit spreads¹ 1.69 1.73 1.30 Return on allocated capital 19.3 17.1 19.6 Cost/income ratio 41.8 44.9 39.5 Ratio of deposits to loans 66.9 66.0 65.5 1 Calculated relative to the corresponding money market rate. See ir.dnb.no for additional information on alternative performance measures (APMs). The personal customers segment delivered solid profitability in a highly competitive market and had a return on allocated capital of 19.3 per cent in the third quarter. Average loans to customers increased by 1.5 per cent from the corresponding quarter of 2025, and by 0.5 per cent from the previous quarter. Average deposits from customers increased by 3.7 per cent from the third quarter of 2025 and by 1.7 per cent from the previous quarter. The average deposits-to-loans ratio was 66.9 per cent. The third quarter included customer repricing effects following the interest rate changes announced in May 2026. Combined spreads on loans and deposits narrowed by 20 basis points from the third quarter of 2025 and widened by 3 basis points from the previous quarter. Net other operating income increased by 8.6 per cent from the corresponding quarter of 2025, driven by higher income from long-term savings products, insurance sales and payment services. Compared with the previous quarter, there was an increase of 2.6 per cent related to continued growth in income from long-term savings products as well as seasonally higher income from payment services. The positive effect was partially offset by seasonally lower real estate broking activity. Operating expenses increased by 1.0 per cent from the corresponding quarter of 2025, mainly due to restructuring costs and higher activity-driven costs such as marketing expenses. The effect was partially offset by organisational changes within private banking. From the previous quarter, operating expenses decreased by 0.8 per cent, mainly due to the organisational changes mentioned as well as seasonal fluctuations in real estate broking. Profit from repossessed operations of NOK 69 million were included in the third quarter, related to a customer within private banking. Impairment of financial instruments amounted to NOK 67 million in the quarter, compared with impairment provisions of NOK 140 million and net reversals of NOK 57 million in the corresponding quarter of 2025 and the second quarter of 2026, respectively. The impairment provisions were mainly observed in stage 3 within mortgages and consumer finance. The macro effect on the impairment provisions for the quarter was insignificant. Overall, the credit quality in the portfolio remained strong. DNB’s market share of credit to households in Norway was 22.1 per cent at end-August. The market share of total household savings was 28.2 per cent at the same point in time, while the market share of savings in mutual funds amounted to 39.4 per cent at end-September. DNB Eiendom had an average market share of 13.9 per cent in the third quarter. DNB GROUP – THIRD QUARTER REPORT 2026 / 8
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Corporate customers Norway Amounts in NOK million 3Q26 2Q26 3Q25 Net interest income 4,699 4,634 4,860 Net other operating income 1,099 1,139 1,054 Total income 5,798 5,773 5,914 Operating expenses (1,768) (1,797) (1,778) Pre-tax operating profit before impairment 4,030 3,976 4,137 Impairment of financial instruments (287) (211) (373) Profit from repossessed operations (2) (2) - Pre-tax operating profit 3,741 3,763 3,764 Tax expense (935) (941) (941) Profit for the period 2,806 2,822 2,823 Average balance sheet items Amounts in NOK billion 3Q26 2Q26 3Q25 Loans to customers 574.7 569.0 545.8 Deposits from customers 421.0 433.8 418.7 Key figures Numbers in per cent 3Q26 2Q26 3Q25 Lending spreads¹ 1.87 1.91 2.18 Deposit spreads¹ 0.95 0.90 0.92 Return on allocated capital 21.2 21.9 20.9 Cost/income ratio 30.5 31.1 30.1 Ratio of deposits to loans 73.2 76.2 76.7 1 Calculated relative to the corresponding money market rate. See ir.dnb.no for additional information on alternative performance measures (APMs). The third quarter showed solid performance, with continued loan growth and higher net interest income than in the previous quarter. However, deposit volumes declined due to seasonal variations. In the quarter, the return on allocated capital in the corporate customers Norway segment was 21.2 per cent, up from 20.9 per cent in the corresponding quarter of 2025, and down from 21.9 per cent in the previous quarter. Net interest income decreased by NOK 161 million, or 3.3 per cent, compared with the corresponding quarter of last year. This was mainly due to lower lending margins, which more than offset volume growth. Compared with the previous quarter, net interest income increased by NOK 65 million, or 1.4 per cent, supported by a higher number of interest days and higher deposit margins, partly offset by lower lending margins. Average loans to customers increased by 5.3 per cent from the corresponding quarter of 2025 and by 1.0 per cent from the previous quarter. Lending spreads narrowed by 31 basis points compared with the corresponding quarter of 2025 and by 4 basis points compared with the previous quarter, reflecting continued competitive pressure and lagged effects relating to interest rate changes. Average deposit volumes increased by 0.5 per cent compared with the corresponding period last year and decreased by 3.0 per cent from the previous quarter. The decrease in average deposits from the previous quarter reflects seasonal variation in public sector deposits and withdrawals of time deposits from organisations. The ratio of deposits to loans for the quarter ended at 73.2 per cent. Net other operating income amounted to NOK 1,099 million in the quarter. This was an increase of NOK 44 million, or 4.2 per cent, compared with the corresponding quarter of 2025. The increase from the third quarter of 2025 reflects growth across several product areas, including DNB Carnegie, insurance sales and asset management. Compared with the previous quarter, net other operating income was down 3.5 per cent. Operating expenses amounted to NOK 1,768 million, a decrease of NOK 10 million from the corresponding quarter of 2025 and a decrease of NOK 29 million from the previous quarter. The cost/income ratio ended at 30.5 per cent, which is an increase from 30.1 per cent in the corresponding quarter of last year and a decrease from 31.1 per cent in the previous quarter. The second quarter was affected by one- off items. Impairment of financial instruments amounted to NOK 287 million in the quarter. Compared with the corresponding quarter of 2025, this was a decrease of NOK 86 million, and an increase of NOK 76 million compared with the previous quarter. The impairment provisions were mainly related to individual customers in stage 3 within various segments. DNB GROUP – THIRD QUARTER REPORT 2026 / 9
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Large corporates and international customers Amounts in NOK million 3Q26 2Q26 3Q25 Net interest income 4,774 4,681 4,864 Net other operating income 2,792 3,055 2,272 Total income 7,567 7,735 7,135 Operating expenses (3,399) (3,637) (3,234) Pre-tax operating profit before impairment 4,168 4,098 3,901 Impairment of financial instruments (171) (177) (359) Profit from repossessed operations (21) (26) (36) Pre-tax operating profit 3,976 3,895 3,506 Tax expense (994) (974) (877) Profit for the period 2,982 2,921 2,630 Average balance sheet items Amounts in NOK billion 3Q26 2Q26 3Q25 Loans to customers 515.3 508.0 506.1 Deposits from customers 453.0 442.2 449.8 Key figures Numbers in per cent 3Q26 2Q26 3Q25 Lending spreads¹ 2.11 2.10 2.25 Deposit spreads¹ 0.15 0.12 0.12 Return on allocated capital 18.2 18.6 15.0 Cost/income ratio 44.9 47.0 45.3 Ratio of deposits to loans 87.9 87.1 88.9 1 Calculated relative to the corresponding money market rate. See ir.dnb.no for additional information on alternative performance measures (APMs). The third quarter showed solid operational performance, driven by higher net interest income, strong DNB Carnegie income, lower costs and stable underlying credit quality. The segment is entering the fourth quarter with a robust balance sheet, solid customer activity and continued strategic momentum. The return on allocated capital in the third quarter was 18.2 per cent, up from 15.0 per cent in the corresponding quarter of 2025 and down from 18.6 per cent in the previous quarter. Net interest income decreased by NOK 89 million, or 1.8 per cent, compared with the corresponding quarter of last year, mainly due to lower lending margins, partly offset by volume growth. Compared with the previous quarter, net interest income increased by NOK 94 million, or 2.0 per cent, driven by one additional interest day, volume growth, improved margins and higher interest on allocated capital. Average loans to customers increased by 1.8 per cent from the corresponding period of 2025 and by 1.4 per cent from the previous quarter. Growth in lending volumes was seen across most sectors and locations, with an increasing footprint in the Nordics. Lending spreads narrowed by 14 basis points, compared with the corresponding quarter of 2025, reflecting competitive pressure and product mix effects. Compared with the previous quarter, lending spreads widened by 1 basis point. Average deposit volumes were up 0.7 per cent compared with the corresponding period last year and up 2.4 per cent from the previous quarter. The ratio of deposits to loans for the quarter ended at 87.9 per cent. Net other operating income amounted to NOK 2,792 million in the quarter, up 22.9 per cent from the corresponding quarter of 2025, driven by strong DNB Carnegie income, with significantly higher corporate finance revenues, supported by growth in wealth management and insurance- related income, and down 8.6 per cent from the previous quarter. The decrease from the previous quarter reflects lower DNB Carnegie income, following a very strong second quarter. Operating expenses were NOK 3,399 million in the quarter, an increase of NOK 165 million from the corresponding period last year and a decrease of NOK 238 million from the previous quarter. The decrease reflects lower personnel costs due to a reduction in FTEs and consultants, as well as lower IT costs. The cost/income ratio was 44.9 per cent in the quarter, compared with 47.0 per cent in the previous quarter. Impairment of financial instruments amounted to NOK 171 million in the quarter. The corresponding quarter of 2025 showed impairment provisions of NOK 359 million, while the previous quarter saw impairment provisions of NOK 177 million. The impairment provisions for the third quarter were mainly driven by one specific customer in stage 3. The credit quality of the portfolio remained solid. Other operations This segment includes the results from risk management in DNB Carnegie and from traditional pension products with a guaranteed rate of return. In addition, the other operations segment includes Group items not allocated to the customer segments. Amounts in NOK million 3Q26 2Q26 3Q25 Net interest income 770 970 461 Net other operating income (99) 741 1,828 Total income 671 1,711 2,289 Operating expenses (194) (339) (899) Pre-tax operating profit before impairment 477 1,371 1,390 Net gains on fixed and intangible assets 0 13 2 Impairment of financial instruments (4) (7) 9 Profit from repossessed operations (46) 28 8 Pre-tax operating profit 427 1,405 1,409 Tax expense 269 (274) 315 Profit from operations held for sale, after taxes 71 (13) 6 Profit for the period 767 1,118 1,730 Average balance sheet items Amounts in NOK billion 3Q26 2Q26 3Q25 Loans to customers 199.0 257.0 246.1 Deposits from customers 121.4 125.0 95.5 The profit for the other operations segment was NOK 767 million in the third quarter. DNB GROUP – THIRD QUARTER REPORT 2026 / 10
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Risk management income amounted to NOK 209 million, which was a decrease of NOK 134 million compared with the same period last year. The decrease was primarily driven by lower income from interest rate trading and repurchase agreements (Repos). Compared with the previous quarter, risk management income increased by NOK 37 million with income from interest rate trading as the main contributor. The pre-tax operating profit for guaranteed pension products was NOK 770 million in the third quarter, compared with NOK 489 million in the corresponding quarter of 2025, and NOK 583 million in the previous quarter. Compared with the third quarter of 2025, the insurance result increased by NOK 22 million. The return on the company portfolio relating to guaranteed products increased by NOK 246 million. The main reason for the improved return in the third quarter was the gain from the sale of DNB Næringseiendom to UNION Gruppen. The gain amounted to NOK 277 million, of which NOK 238 million was allocated to guaranteed products. The solvency margin without transitional rules was 278 per cent as at 30 September 2026, an increase from 265 per cent as at 30 September 2025 and an increase from 271 per cent as at 30 June 2026. The strengthened solvency margin was driven by lower market risk and a product result that was better than the assumptions under Solvency II. At the current interest rate level, the transitional rules for technical insurance provisions have no effect, and the solvency margins with and without transitional rules are equal. DNB’s share of the profit in associated companies (most importantly Luminor, Vipps and Fremtind) is included in this segment. Due to the loss related to the sale of Luminor, there was a decrease in profit from these companies of NOK 673 million from the third quarter of 2025, and of NOK 858 million compared with the previous quarter. Funding, liquidity and balance sheet Investor demand for DNB’s short-term funding remained strong in both Europe and the United States in the quarter, despite the geopolitical tensions in the Middle East and the ongoing war in Ukraine. Throughout the quarter, DNB placed emphasis on issuing short-term funding across all its funding programmes and in multiple currencies, in order to maintain strong funding capacity and diversification in its short-term funding sources. Market conditions for financial issuers of long-term debt were relatively favourable for most of the third quarter, with credit spreads tightening during the first two months, partly driven by lower new issuance activity due to the summer holiday. These favourable conditions continued despite heightened geopolitical tensions in the Middle East and the associated rise in energy prices, which in turn raised concerns about higher inflation. This led to elevated government bond yields and stronger expectations of higher central bank key policy rates. In addition, the financial markets focused on the technology sector, particularly on high valuations and the substantial investments required in connection with AI. Towards the end of the quarter, markets became more affected by the factors mentioned above, resulting in wider credit spreads throughout September. DNB issued long-term debt instruments totalling around NOK 17 billion in the third quarter, divided between covered bonds in NOK issued by DNB Boligkreditt AS, senior non-preferred bonds in NOK and SEK, and Tier 2 capital in EUR. The total nominal value of long-term debt securities issued by the Group was NOK 503 billion at end-September, compared with NOK 542 billion at end-December. The average remaining term to maturity for long-term debt securities issued was 3.6 years. The short-term liquidity requirement, the Liquidity Coverage Ratio (LCR), remained stable at above 100 per cent throughout the year, and was 125 per cent at end- September. The net long-term stable funding ratio (NSFR) was 112 per cent, which was well above the minimum requirement of 100 per cent for stable and long-term funding. Total combined assets in the DNB Group were NOK 5,246 billion at end-September, up from NOK 4,960 billion a year earlier. Total assets in the Group’s balance sheet were NOK 3,860 billion at end-September, compared with NOK 3,801 billion at end-September 2025. The ratio of customer deposits to net loans to customers for the customer segments, was 71.6 per cent, down from 73.6 per cent a year earlier. Capital position The common equity Tier 1 (CET1) capital ratio was 17.3 per cent at end-September, down from 17.9 per cent one year earlier and 17.4 per cent at end-June. The reduction in the CET1 capital ratio during the quarter was primarily driven by the new share buy-back programme. Positive earnings generation was more than offset by the buy-back and underlying portfolio-driven growth in risk exposure amount (REA), while reported REA growth was moderated by favourable foreign exchange rates and migration effects. The CET1 capital ratio requirement for DNB at end- September was 15.3 per cent, while the expectation from the supervisory authorities, including Pillar 2 Guidance, was 16.3 per cent. The Group therefore maintained a solid 1.0 percentage point buffer above the current supervisory capital level expectation. The leverage ratio was 6.3 per cent at end-September, unchanged from a year earlier and from the previous quarter. Capital adequacy The capital adequacy regulations specify a minimum requirement for own funds based on a risk exposure amount that includes credit risk, market risk and operational risk. In addition to meeting the Pillar 1 minimum requirement, DNB must meet the Pillar 2 requirements and the combined buffer requirements under Pillar 1. DNB GROUP – THIRD QUARTER REPORT 2026 / 11
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Capital and risk 3Q26 2Q26 3Q25 CET1 capital ratio, per cent 17.3 17.4 17.9 Tier 1 capital ratio, per cent 19.1 19.2 19.7 Capital ratio, per cent 21.8 21.7 22.3 Risk exposure amount, NOK billion 1,191 1,191 1,162 Leverage ratio, per cent 6.3 6.3 6.3 As the DNB Group consists of both a credit institution and a life insurance company, DNB has to satisfy a cross-sectoral calculation test to demonstrate that it complies with sectoral requirements: the capital adequacy requirement, in accordance with the Capital Requirements Regulation / Capital Requirements Directive (CRR/CRD), and the Solvency II requirement. At end-September, DNB complied with these requirements by a good margin, with excess capital of NOK 40.2 billion. New regulatory framework Review of Norwegian risk-weight floors for mortgage and commercial real estate lending In September 2026, Finanstilsynet (the Financial Supervisory Authority of Norway) launched a consultation process on the future calibration of the Norwegian risk-weight floors for residential mortgage and commercial real estate lending. The current measures, which impose minimum average risk weights of 25 per cent for residential mortgages and 35 per cent for commercial real estate exposures for banks using internal ratings-based models (IRB banks), expire at year-end 2026. The consultation forms part of the authorities’ ongoing assessment of financial stability risks and the appropriateness of capital requirements for real estate-related lending. Depending on the final calibration of the measures, the consultation may result in some reduction in risk exposure amount and regulatory capital requirements for IRB banks, including DNB. The Group will continue to monitor the process and assess the impact of any final regulatory decisions. New emergency preparedness council for financial services In July 2026, the Norwegian Ministry of Finance established an emergency preparedness council for financial services. The council will serve as a strategic forum for information exchange and dialogue between the public authorities and the financial industry on security and emergency preparedness issues. The initiative reflects an increasingly complex threat landscape and aims to strengthen cooperation between the authorities and financial institutions on matters relating to the resilience and continuity of critical financial services. European Commission announces review of banking rules On 17 July 2026, the European Commission adopted a Communication on the competitiveness of the European banking sector. The Commission highlighted regulatory complexity and market fragmentation as key challenges, and announced plans to propose changes to the EU banking framework in the first quarter of 2027. The initiative is part of broader efforts to strengthen the competitiveness, efficiency and integration of the European banking sector. The Commission has invited stakeholders to provide input on the proposed direction of future reforms. A simpler, more efficient and better integrated regulatory framework could improve the operating conditions for European banks, including DNB. DNB will continue to monitor the regulatory developments and assess the potential implications for the Group. Countercyclical capital buffer maintained At its meeting on 12 August, the Monetary Policy and Financial Stability Committee of Norges Bank decided to maintain the countercyclical capital buffer requirement at 2.5 per cent. The Committee assessed the Norwegian financial system as robust, with banks remaining profitable, well capitalised and able to absorb potential losses while continuing to provide credit to households and businesses. While geopolitical tensions and international uncertainty continue to pose risks to financial stability, households and businesses generally continue to have good access to credit, and banks report broadly unchanged lending practices. The Committee also noted that household debt growth has remained moderate relative to income growth in recent years, contributing to reduced vulnerabilities in the household sector. The unchanged buffer requirement provides continued predictability for banks’ capital planning while supporting resilience in the financial system. DNB GROUP – THIRD QUARTER REPORT 2026 / 12
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DORA implementation expanded in Norway From 1 September 2026, additional categories of financial entities in Norway became subject to the Digital Operational Resilience Act (DORA), and the former Norwegian ICT Regulations were replaced by DORA-based requirements. The expanded framework introduces harmonised rules for digital operational resilience, including management of ICT risk, incident reporting and management of third-party ICT providers. The changes are part of the ongoing implementation of the EU’s digital resilience framework across the Norwegian financial sector. Macroeconomic developments The growth expectations for Norway’s main trading partners have been revised marginally upwards for 2026 and 2027, but growth is still expected to remain somewhat below the potential. Investment relating to artificial intelligence and defence, together with an expansionary fiscal policy in the US, points to a solid demand side. However, energy prices are expected to remain high for a longer period of time, and could dampen growth in some countries and contribute to higher inflation. The Norwegian economy has shown some signs of weakness so far this year. Mainland GDP growth has been revised down for previous periods and is slightly below trend, while growth in the first half of the year was slightly below trend. On the other hand, employment is still growing, and registered unemployment has remained stable at 2.1 per cent. Statistics Norway’s Labour Force Survey (LFS) also shows that unemployment appears to have stabilised following a period of increase. The pay settlement in the leading sectors was 4.4 per cent, which means that households are still experiencing real wage growth. Private consumption data has nonetheless been somewhat weak so far this year, and higher saving suggests that households are becoming more cautious in the face of increased energy prices and interest rates. Inflation has remained high and core inflation rose to 3.1 per cent in September. Prospects of stronger inflationary impulses from abroad, combined with solid growth in purchasing power in Norway, suggest that inflation will remain above target for some time. Norges Bank therefore raised the key policy rate to 4.50 per cent in September and signalled that a further hike cannot be ruled out. The central bank is focused on bringing inflation down within a reasonable timeframe. DNB Carnegie expects no further hikes, but notes that this is not unlikely. The Norwegian krone (NOK) has continued to benefit from higher Norwegian interest rates and energy prices. Measured by the import-weighted exchange rate index, I-44, the NOK had strengthened by more than 4 per cent at the end of September, compared with its previous peak at the end of June. The description of risks and uncertainties in the DNB Group’s annual report for 2025 provides a fair representation of risks and uncertainties that may affect DNB in the next reporting period. Future prospects The Group’s overriding financial target is a return on equity (ROE) above 14 per cent. Several factors will support DNB in achieving this target, including growth in loans and deposits and in commissions and fees from capital-light products, continued cost discipline and efficient capital management. The Group’s ambition is to deliver annual organic loan growth of 3 to 4 per cent over time, although growth may be higher or lower in individual years. Following Norges Bank’s increase in the key policy rate from 4.00 per cent to 4.25 per cent in May and DNB’s subsequent repricing announcements, net interest income was positively affected from 12 July. The repricing will have full effect from the fourth quarter. Norges Bank’s further increase in the key policy rate to 4.50 per cent in September and DNB’s subsequent repricing announcements are expected to affect net interest income positively from 29 November. This repricing will have full effect from the first quarter of 2027. DNB has an ambition to increase net commissions and fees by more than 9 per cent annually and to maintain a cost/ income ratio below 40 per cent. The Group’s tax rate in the third quarter was 22 per cent. The same tax rate is expected in the fourth quarter. The Group’s tax rate is expected to be 23 per cent for 2026 as a whole and going forward. The supervisory expectation for DNB’s common equity Tier 1 (CET1) capital ratio is above 16.3 per cent. In its capital planning, DNB has set the supervisory expectation plus a management buffer as its target capital level. The buffer is intended to absorb market-driven fluctuations, including movements in foreign exchange rates, as well as potential regulatory changes. The CET1 capital ratio at the end of the third quarter was 17.3 per cent. The Group’s dividend policy remains unchanged, with a payout ratio of more than 50 per cent in cash dividends and an ambition to increase the nominal dividend per share each year. In addition to dividend payments, repurchases of own shares will be used as a flexible tool for allocating excess capital to DNB’s shareholders. The Board has received authorisation from the Annual General Meeting to repurchase up to 3.5 per cent of outstanding shares in 2026. By 2 October, the Group has completed two share buy-back programmes of 1 per cent. An additional programme of 0.75 per cent has been approved by the Board. DNB GROUP – THIRD QUARTER REPORT 2026 / 13
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Oslo, 20 October 2026 The Board of Directors of DNB Bank ASA Eimund Nygaard Jens Petter Olsen (Chair of the Board) (Vice Chair of the Board) Gro Bakstad Berit Behring Petter-Børre Furberg Lillian Hattrem Vivian Lund Lars Røsæg Haakon Christopher Sandven Eli Solhaug Kjerstin R. Braathen (Group Chief Executive Officer, CEO) DNB GROUP – THIRD QUARTER REPORT 2026 / 14
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Accounts for the DNB Group DNB GROUP – THIRD QUARTER REPORT 2026 / 15
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G - Income statement Amounts in NOK million 3rd quarter 2026 3rd quarter 2025 Jan.-Sept. 2026 Jan.-Sept. 2025 Full year 2025 Interest income, effective interest method 40,796 40,746 118,239 132,054 170,969 Other interest income 1,278 1,345 3,439 4,388 5,802 Interest expenses, effective interest method (25,623) (24,419) (72,467) (84,806) (107,840) Other interest expenses (946) (1,682) (3,276) (3,085) (4,200) Net interest income 15,504 15,990 45,935 48,552 64,731 Commission and fee income 6,209 5,388 18,202 15,785 22,038 Commission and fee expenses (1,719) (1,472) (5,014) (3,998) (5,640) Net gains on financial instruments at fair value 756 1,387 2,910 3,099 4,431 Net insurance result 458 521 1,446 1,158 1,705 Profit from investments accounted for by the equity method (310) 361 488 781 1,206 Net gains on investment properties 2 5 7 11 (10) Other income 793 511 1,836 1,706 2,188 Net other operating income 6,189 6,700 19,874 18,542 25,918 Total income 21,693 22,691 65,809 67,094 90,649 Salaries and other personnel expenses (5,172) (5,082) (15,561) (14,876) (20,422) Other expenses (2,537) (2,460) (7,684) (7,441) (10,302) Depreciation and impairment of fixed and intangible assets (925) (941) (2,820) (2,799) (3,751) Total operating expenses (8,634) (8,483) (26,064) (25,115) (34,476) Pre-tax operating profit before impairment 13,059 14,208 39,745 41,979 56,173 Net gains on fixed and intangible assets 0 2 16 23 28 Impairment of financial instruments (529) (862) (1,511) (1,950) (2,803) Pre-tax operating profit 12,530 13,347 38,250 40,052 53,398 Tax expense (2,757) (2,669) (8,728) (8,010) (9,894) Profit from operations held for sale, after taxes 71 6 4 (67) 82 Profit for the period 9,844 10,684 29,526 31,974 43,586 Portion attributable to shareholders 9,371 10,268 28,241 30,752 41,944 Portion attributable to non-controlling interests 64 25 64 24 39 Portion attributable to additional Tier 1 capital holders 409 390 1,221 1,199 1,603 Profit for the period 9,844 10,684 29,526 31,974 43,586 Earnings/diluted earnings per share (NOK) 6.57 6.98 19.58 20.81 28.45 Earnings per share excluding operations held for sale (NOK) 6.52 6.98 19.58 20.86 28.40 DNB GROUP – THIRD QUARTER REPORT 2026 / 16
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G - Comprehensive income statement Amounts in NOK million 3rd quarter 2026 3rd quarter 2025 Jan.-Sept. 2026 Jan.-Sept. 2025 Full year 2025 Profit for the period 9,844 10,684 29,526 31,974 43,586 Actuarial gains and losses (58) - (58) - 125 Property revaluation 0 (8) 0 (6) (0) Financial liabilities designated at FVTPL, changes in credit risk 15 (10) (54) (22) (39) Tax on other comprehensive income 11 2 28 5 (16) Items that will not be reclassified to the income statement (32) (16) (84) (22) 69 Currency translation of foreign operations (3,937) (1,771) (8,677) (5,297) (3,360) Currency translation reserve reclassified to the income statement - - - (1) (1) Hedging of net investment 3,620 1,325 7,386 4,086 2,474 Financial assets at fair value through OCI (87) 204 123 413 545 Tax on other comprehensive income (881) (382) (1,874) (1,125) (755) Items that may subsequently be reclassified to the income statement (1,284) (624) (3,043) (1,923) (1,098) Other comprehensive income for the period (1,317) (639) (3,126) (1,945) (1,029) Comprehensive income for the period 8,528 10,044 26,399 30,029 42,558 DNB GROUP – THIRD QUARTER REPORT 2026 / 17
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G - Balance sheet Amounts in NOK million Note 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Assets Cash and deposits with central banks 184,564 162,780 226,525 Due from credit institutions 290,221 111,809 101,246 Loans to customers G5, G6, G7, G8 2,271,021 2,403,340 2,467,848 Commercial paper and bonds G8 519,224 529,301 517,787 Shareholdings G8 42,589 37,051 34,707 Assets, customers bearing the risk G8 277,658 245,788 232,628 Financial derivatives G8 160,479 101,839 105,211 Investment properties 4,946 5,783 5,937 Investments accounted for by the equity method 13,587 17,886 17,366 Intangible assets 20,672 22,178 21,761 Deferred tax assets 224 249 289 Fixed assets 20,671 21,102 21,141 Assets held for sale 5,047 1,926 2,081 Other assets 49,413 34,256 46,624 Total assets 3,860,316 3,695,290 3,801,152 Amounts in NOK million Note 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Liabilities and equity Due to credit institutions 311,907 330,635 381,248 Deposits from customers G8 1,523,576 1,521,872 1,536,884 Financial derivatives G8 170,777 102,035 110,760 Debt securities issued G8, G9 886,259 787,164 825,673 Liabilities, customers bearing the risk G8 277,658 245,788 232,628 Insurance liabilities 184,878 189,236 189,585 Payable taxes 10,532 13,125 9,521 Deferred taxes 3,047 3,006 5,075 Other liabilities 58,655 50,131 71,500 Liabilities held for sale 576 548 475 Provisions 1,023 1,315 1,339 Pension commitments 6,480 6,077 5,966 Senior non-preferred bonds G8, G9 104,996 112,476 110,708 Subordinated loan capital G8, G9 36,177 36,026 35,740 Total liabilities 3,576,540 3,399,434 3,517,102 Additional Tier 1 capital 23,739 23,380 21,883 Non-controlling interests 562 705 688 Share capital 17,773 18,262 18,348 Share premium 18,733 18,733 18,733 Other equity 222,969 234,775 224,397 Total equity 283,776 295,855 284,050 Total liabilities and equity 3,860,316 3,695,290 3,801,152 DNB GROUP – THIRD QUARTER REPORT 2026 / 18
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G - Statement of changes in equity Amounts in NOK million Non-controlling interests Share capital Share premium Additional Tier 1 capital Net currency translation reserve Liability credit reserve Other equity Total equity Balance sheet as at 31 December 2024 218 18,533 18,733 21,916 10,123 17 213,785 283,325 Profit for the period 24 - - 1,199 - - 30,752 31,974 Property revaluation - - - - - - (6) (6) Financial assets at fair value through OCI - - - - - - 413 413 Financial liabilities designated at FVTPL, changes in credit risk - - - - - (22) - (22) Currency translation of foreign operations - - - - (5,297) - - (5,297) Hedging of net investment - - - - 4,086 - - 4,086 Reclassified to the income statement on the liquidation of foreign operations - - - - (1) - - (1) Tax on other comprehensive income - - - - (1,022) 5 (103) (1,119) Comprehensive income for the period 24 - - 1,199 (2,234) (16) 31,056 30,029 Interest payments AT1 capital - - - (832) - - - (832) AT1 capital redeemed - - - (400) - - - (400) Share buy-back programme - (185) - - - - (3,502) (3,687) Non-controlling interests 446 - - - - - - 446 Other equity transactions - - - - (86) 7 81 3 Dividends paid for 2024 (NOK 16.75 per share) - - - - - - (24,835) (24,835) Balance sheet as at 30 September 2025 688 18,348 18,733 21,883 7,804 8 216,586 284,050 DNB GROUP – THIRD QUARTER REPORT 2026 / 19
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Amounts in NOK million Non-controlling interests Share capital Share premium Additional Tier 1 capital Net currency translation reserve Liability credit reserve Other equity Total equity Balance sheet as at 31 December 2025 705 18,262 18,733 23,380 8,624 (5) 226,157 295,855 Profit for the period 64 - - 1,221 - - 28,241 29,526 Actuarial gains and losses - - - - - - (58) (58) Property revaluation - - - - - - 0 0 Financial assets at fair value through OCI - - - - - - 123 123 Financial liabilities designated at FVTPL, changes in credit risk - - - - - (54) - (54) Currency translation of foreign operations - - - - (8,677) - - (8,677) Hedging of net investment - - - - 7,386 - - 7,386 Tax on other comprehensive income - - - - (1,844) 13 (16) (1,846) Comprehensive income for the period 64 - - 1,221 (3,135) (40) 28,290 26,399 Interest payments AT1 capital - - - (862) - - - (862) Share buy-back programme - (489) - - - - (10,764) (11,253) Non-controlling interests (207) - - - - - - (207) Other equity transactions - - - - 6 - (5) 2 Dividends paid for 2025 (NOK 18.00 per share) - - - - - - (26,158) (26,158) Balance sheet as at 30 September 2026 562 17,773 18,733 23,739 5,495 (45) 217,519 283,776 DNB GROUP – THIRD QUARTER REPORT 2026 / 20
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G - Cash flow statement Amounts in NOK million Jan.-Sept. 2026 Jan.-Sept. 2025 Full year 2025 Operating activities Net receipts/(payments) on loans to customers 81,065 (236,184) (163,594) Net receipts on deposits from customers 17,061 68,054 61,983 Receipts on issued bonds and commercial paper 833,415 1,233,896 1,451,435 Payments on redeemed bonds and commercial paper (681,815) (1,247,981) (1,517,033) Net receipts/(payments) on loans to credit institutions (218,609) 209,137 143,850 Interest received 121,289 137,531 177,450 Interest paid (60,516) (70,810) (108,578) Net receipts on commissions and fees 12,125 13,797 18,541 Net receipts/(payments) on the sale of financial assets in liquidity or trading portfolio (544) 68,302 22,191 Payments to operations (26,256) (22,751) (30,797) Taxes paid (2,782) (2,412) (3,498) Receipts on premiums 17,965 16,345 21,847 Net receipts on premium reserve transfers 1,721 1,352 2,056 Payments of insurance settlements (12,400) (12,390) (16,493) Other net receipts/(payments) (26,115) (4,716) 13,230 Net cash flow from operating activities 55,605 151,171 72,590 Investing activities Net payments on the acquisition or disposal of fixed assets (1,094) (1,710) (2,662) Receipts on investment properties 45 1,517 1,627 Payments on and for investment properties (6) - - Investment in long-term shares (173) (15,393) (15,393) Disposals of long-term shares - - 85 Dividends received on long-term investments in shares 1,161 - 844 Net cash flow from investing activities (67) (15,585) (15,499) Amounts in NOK million Jan.-Sept. 2026 Jan.-Sept. 2025 Full year 2025 Financing activities Receipts on issued senior non-preferred bonds 34,613 9,297 19,583 Payments on redeemed senior non-preferred bonds (34,498) (13,321) (22,359) Receipts on issued subordinated loan capital 5,434 4,762 4,762 Redemptions of subordinated loan capital (4,063) (4,590) (4,590) Receipts on issued AT1 capital - - 1,850 Redemptions of AT1 capital - (400) (400) Interest payments on AT1 capital (862) (832) (1,592) Lease payments (585) (565) (765) Net purchase of own shares (11,253) (3,687) (5,527) Dividend payments (26,158) (24,835) (24,835) Net cash flow from financing activities (37,372) (34,170) (33,874) Effects of exchange rate changes on cash and cash equivalents (4,559) (5,772) (1,282) Net cash flow 13,607 95,643 21,936 Cash as at 1 January 174,176 152,240 152,240 Net receipts of cash 13,607 95,643 21,936 Cash at end of period* 187,783 247,883 174,176 *) Of which: Cash and deposits with central banks 184,564 226,525 162,780 Deposits with credit institutions with no agreed period of notice 3,219 21,358 11,396 DNB GROUP – THIRD QUARTER REPORT 2026 / 21
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Note G1 Basis for preparation The quarterly financial statements for the Group have been prepared in accordance with IAS 34 Interim Financial Reporting, as issued by the International Accounting Standards Board and as adopted by the European Union. When preparing the consolidated financial statements, the management makes estimates, judgements and assumptions that affect the application of the accounting principles, as well as income, expenses, and the carrying amount of assets and liabilities. Estimates and assumptions are subject to continual evaluation and are based on historical experience and other factors, including expectations of future events that are believed to be probable on the balance sheet date. A description of the accounting policies, significant estimates, and areas where judgement is applied by the Group, can be found in Note G1 Accounting principles in the annual report for 2025. In the interim report, the accounting policies, significant estimates, and areas where judgement is applied by the Group are in conformity with those described in the annual report. Note G2 Segments According to DNB's management model, the operating segments are independent profit centres that are fully responsible for their profit after tax and for achieving the targeted returns on allocated capital. DNB has the following operating segments: Personal customers, Large corporates and international customers, Corporate customers Norway, Risk management and Traditional pension products (with guaranteed rate of return). The Risk management and Traditional pension products segments are included in Other operations. DNB’s share of profit in major associated companies (most importantly Luminor, Vipps and Fremtind) is included in Other operations. Income statement, third quarter Personal customers Corporate customers Norway Large corporates and international customers Other operations Eliminations DNB Group Amounts in NOK million 2026 2025 2026 2025 2026 2025 2026 2025 2026 2025 2026 2025 Net interest income 5,260 5,806 4,699 4,860 4,774 4,864 770 461 - - 15,504 15,990 Net other operating income 2,270 2,089 1,099 1,054 2,792 2,272 (99) 1,828 128 (544) 6,189 6,700 Total income 7,530 7,895 5,798 5,914 7,567 7,135 671 2,289 128 (544) 21,693 22,690 Operating expenses (3,146) (3,116) (1,768) (1,778) (3,399) (3,234) (194) (899) (128) 544 (8,635) (8,483) Pre-tax operating profit before impairment 4,384 4,779 4,030 4,137 4,168 3,901 477 1,390 0 - 13,059 14,208 Net gains on fixed and intangible assets - 0 - - 0 0 0 2 - - 0 2 Impairment of financial instruments (67) (140) (287) (373) (171) (359) (4) 9 - - (529) (862) Profit from repossessed operations 69 29 (2) - (21) (36) (46) 8 - - - - Pre-tax operating profit 4,386 4,668 3,741 3,764 3,976 3,506 427 1,409 (0) - 12,530 13,347 Tax expense (1,097) (1,167) (935) (941) (994) (877) 269 315 - - (2,757) (2,669) Profit from operations held for sale, after taxes - - - - - - 71 6 - - 71 6 Profit for the period 3,290 3,501 2,806 2,823 2,982 2,630 767 1,730 (0) - 9,844 10,684 DNB GROUP – THIRD QUARTER REPORT 2026 / 22
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Income statement, January-September Personal customers Corporate customers Norway Large corporates and international customers Other operations Eliminations DNB Group Amounts in NOK million 2026 2025 2026 2025 2026 2025 2026 2025 2026 2025 2026 2025 Net interest income 15,103 16,897 13,912 14,629 14,074 14,622 2,846 2,404 - - 45,935 48,552 Net other operating income 6,530 5,777 3,428 2,960 8,371 7,735 1,529 3,648 18 (1,577) 19,875 18,542 Total income 21,632 22,674 17,340 17,588 22,445 22,357 4,375 6,052 18 (1,577) 65,809 67,094 Operating expenses (9,431) (8,943) (5,349) (5,209) (10,383) (9,588) (883) (2,953) (18) 1,577 (26,064) (25,115) Pre-tax operating profit before impairment 12,201 13,731 11,991 12,379 12,061 12,769 3,491 3,099 0 - 39,745 41,979 Net gains on fixed and intangible assets 0 1 - - (0) 0 15 22 - - 16 23 Impairment of financial instruments (90) (215) (1,018) (695) (384) (1,047) (19) 7 - - (1,511) (1,950) Profit from repossessed operations 46 34 (18) - (99) (149) 71 115 - - - - Pre-tax operating profit 12,158 13,550 10,955 11,684 11,578 11,574 3,559 3,244 0 - 38,250 40,053 Tax expense (3,039) (3,388) (2,739) (2,921) (2,895) (2,894) (55) 1,192 - - (8,728) (8,010) Profit from operations held for sale, after taxes - - - - - - 4 (67) - - 4 (67) Profit for the period 9,118 10,163 8,217 8,763 8,684 8,681 3,507 4,368 0 - 29,526 31,975 DNB GROUP – THIRD QUARTER REPORT 2026 / 23
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Note G3 Capital adequacy Capital adequacy is calculated and reported in accordance with the EU capital requirements regulations for banks and investment firms (CRR/CRD). The implementation of the Capital Requirements Regulation (CRR3) entered into force in Norway with effect from 1 April 2025. The regulatory consolidation deviates from consolidation in the accounts and comprises the parent company, subsidiaries and associated companies, excluding insurance companies. Associated companies are consolidated pro rata. DNB has complied in full with all its externally imposed capital requirements over the reported period. Own funds Amounts in NOK million 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Total equity 283,776 295,855 284,050 Effect from regulatory consolidation 2,133 2,041 1,540 Adjustment to retained earnings for foreseeable dividends (17,423) - (17,588) Additional Tier 1 capital instruments included in total equity (23,130) (23,130) (21,280) Net accrued interest on additional Tier 1 capital instruments (609) (250) (603) Common equity Tier 1 capital instruments 244,747 274,516 246,119 Regulatory adjustments Pension funds above pension commitments (156) (325) (82) Goodwill (16,915) (18,052) (17,789) Deferred tax assets that rely on future profitability, excluding temporary differences - - (203) Other intangible assets (4,639) (4,624) (4,769) Dividends payable and group contributions - (26,158) - Share buy-back program (6,753) (6,181) (5,815) Deduction for investments in insurance companies¹ (3,957) (3,619) (3,728) IRB provisions shortfall (4,611) (4,373) (3,856) Additional value adjustments (AVA) (728) (682) (724) Insufficient coverage for non-performing exposures (566) (346) (401) (Gains) or losses on liabilities at fair value resulting from own credit risk 45 5 (8) (Gains) or losses on derivative liabilities resulting from own credit risk (DVA) (234) (196) (205) Securitisation positions (285) (292) (291) Common equity Tier 1 capital 205,949 209,673 208,248 Amounts in NOK million 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Additional Tier 1 capital instruments 23,130 23,130 21,626 Deduction of holdings of Tier 1 instruments in insurance companies² (1,500) (1,500) (1,500) Non-eligible Additional Tier 1 capital (10) (10) (10) Additional Tier 1 21,620 21,620 20,116 Tier 1 capital 227,569 231,293 228,364 Term subordinated loan capital 37,946 34,695 34,586 Deduction of holdings of Tier 2 instruments in insurance companies² (4,088) (4,088) (4,088) Non-eligible Tier 2 capital (1,824) (25) (25) Tier 2 capital 32,035 30,582 30,473 Own funds 259,604 261,875 258,838 Total risk exposure amount 1,190,857 1,171,022 1,161,647 Minimum capital requirement 95,269 93,682 92,932 Capital ratios (per cent): Common equity Tier 1 capital ratio 17.3 17.9 17.9 Tier 1 capital ratio 19.1 19.8 19.7 Total capital ratio 21.8 22.4 22.3 1 Deductions are made for significant investments in financial sector entities when the total value of the investments exceeds 10 per cent of common equity Tier 1 capital. The amounts that are not deducted are given a risk weight of 250 per cent. 2 Investment in Tier 1 and Tier 2 instruments issued by the Group’s insurance companies are deducted from the Group’s Tier 1 and Tier 2 capital. DNB GROUP – THIRD QUARTER REPORT 2026 / 24
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Note G4 Taxes The DNB Group’s tax expense for the first three quarters of 2026 amounted to NOK 8,728 million, of which NOK 313 million related to estimated top up tax for 2024 as further described below. Excluding top-up tax, the DNB Group's tax expense is based on an estimated effective tax rate of 22 per cent of the pre-tax operating profit. Pillar 2 top-up tax The Pillar 2 rules (which establish a global minimum effective corporate tax rate of 15 per cent) became effective on 1 January 2024. DNB Bank has recognised top-up tax relating to the Pillar 2 rules for the 2024 fiscal year of NOK 313 million, which is included in the Group's tax expense for the second quarter of 2026. The calculated top-up tax is based on the GloBE Information Return (GIR) for 2024, which was filed on 30 June 2026, available information and DNB's interpretation of the Pillar 2 rules as at the reporting date. Due to the complexity of the rules, the continued development through the publication of guidance, interpretations and other relevant materials, as well as limited market practice, the estimate is subject to uncertainty. The final tax amount may differ from the amount recognised. Based on analyses performed, the Group does not expect any material exposure to top-up tax for 2025 or 2026. Uncertain tax positions Draft decision on change in the tax assessment for DNB Bank ASA for 2019–2023, and notice of change for 2024 and 2025 DNB Bank ASA received a draft decision from the Norwegian tax authorities in the third quarter of 2026 on a change to the tax assessment due to changed pricing of intra-Group transactions with international subsidiaries. The draft decision covers the fiscal years 2019–2023. The amount stated in the draft decision entails a tax exposure of about NOK 3.75 billion for the period covered. In addition, notice has been given of a change in the tax assessment for the years 2024 and 2025, which has not been quantified. DNB disagrees with the tax authorities’ approach and assessments. DNB is of opinion that it has a strong case, and no provisions have been recognised in the accounts. See also note G25 Taxes in the annual report for 2025. DNB GROUP – THIRD QUARTER REPORT 2026 / 25
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Note G5 Development in gross carrying amount and maximum exposure Loans to customers at amortised costs Jan.-Sept. 2026 Full year 2025 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Gross carrying amount as at 1 Jan. 2,217,161 124,470 22,922 2,364,553 2,055,522 125,877 23,806 2,205,206 Transfer to stage 1 65,327 (64,533) (793) - 93,618 (90,962) (2,656) - Transfer to stage 2 (107,010) 108,965 (1,955) - (133,855) 136,591 (2,736) - Transfer to stage 3 (1,515) (6,715) 8,229 - (6,129) (8,148) 14,277 - Originated and purchased 432,287 7,022 3,095 442,403 1,075,210 7,207 1,929 1,084,346 Derecognition (507,145) (26,815) (7,941) (541,902) (869,819) (46,069) (11,760) (927,648) Acquisitions - - - - 5,678 - - 5,678 Exchange rate movements (25,684) (1,664) (292) (27,639) (2,739) 331 79 (2,330) Other¹ 876 (130) (6) 740 (325) (358) (17) (700) Gross carrying amount as at end of period 2,074,296 140,599 23,259 2,238,154 2,217,161 124,470 22,922 2,364,553 Financial commitments Jan.-Sept. 2026 Full year 2025 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Maximum exposure as at 1 Jan. 869,598 26,819 2,051 898,468 811,201 33,811 3,223 848,235 Transfer to stage 1 20,246 (20,151) (95) - 24,359 (22,880) (1,479) - Transfer to stage 2 (24,012) 24,104 (92) - (23,201) 25,257 (2,056) - Transfer to stage 3 (325) (758) 1,084 - (4,628) (907) 5,534 - Originated and purchased 441,870 784 696 443,349 499,635 2,958 590 503,183 Derecognition (350,028) (3,325) (1,412) (354,765) (439,291) (10,989) (3,818) (454,099) Acquisitions - - - - 9,869 - - 9,869 Exchange rate movements (18,672) (481) (78) (19,231) (8,345) (432) 56 (8,720) Maximum exposure as at end of period 938,676 26,992 2,154 967,822 869,598 26,819 2,051 898,468 1 The reduction of the gross carrying value is related to a legacy foreign currency portfolio in Poland. See note G51 Contingencies in DNB Group’s annual report 2025. DNB GROUP – THIRD QUARTER REPORT 2026 / 26
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Note G6 Development in accumulated impairment of financial instruments Loans to customers at amortised costs Jan.-Sept. 2026 Full year 2025 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Accumulated impairment as at 1 Jan. (763) (910) (5,737) (7,410) (779) (739) (5,607) (7,124) Transfer to stage 1 (310) 305 5 (0) (424) 407 17 - Transfer to stage 2 95 (130) 35 0 151 (183) 33 - Transfer to stage 3 2 75 (77) 0 10 91 (101) - Originated and purchased (276) (99) - (375) (304) (130) - (434) Increased expected credit loss (166) (651) (3,175) (3,993) (287) (879) (3,024) (4,190) Decreased (reversed) expected credit loss 622 335 2,165 3,122 882 317 1,722 2,921 Write-offs - - 603 603 - - 1,234 1,234 Derecognition 8 130 20 158 16 210 7 234 Acquisitions (0) (0) 0 (0) (28) - - (28) Exchange rate movements 17 16 69 102 (1) (4) (17) (22) Accumulated impairment as at end of period (772) (930) (6,091) (7,793) (763) (910) (5,737) (7,410) Financial commitments Jan.-Sept. 2026 Full year 2025 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Accumulated impairment as at 1 Jan. (228) (207) (63) (498) (266) (178) (198) (642) Transfer to stage 1 (56) 56 1 (0) (78) 70 8 - Transfer to stage 2 20 (22) 2 - 26 (68) 42 - Transfer to stage 3 0 5 (6) 0 6 13 (18) - Originated and purchased (135) (26) - (162) (169) (107) - (277) Increased expected credit loss (24) (79) (52) (154) (62) (170) (70) (301) Decreased (reversed) expected credit loss 198 48 39 284 316 120 173 609 Derecognition 1 88 1 90 1 110 1 111 Acquisitions 0 0 - 0 (1) - - (1) Exchange rate movements 6 4 0 9 1 3 (1) 3 Accumulated impairment as at end of period (219) (133) (78) (430) (228) (207) (63) (498) For explanatory comments about the impairment of financial instruments, see the directors’ report. DNB GROUP – THIRD QUARTER REPORT 2026 / 27
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Note G7 Loans and financial commitments to customers by industry segment Loans to customers as at 30 September 2026 Accumulated impairment Amounts in NOK million Gross carrying amount Stage 1 Stage 2 Stage 3 Loans at fair value Total Bank, insurance and portfolio management 238,054 (32) (5) (149) - 237,868 Commercial real estate 275,281 (169) (111) (709) 107 274,400 Shipping 41,433 (20) (3) (2) - 41,409 Oil, gas and offshore 37,864 (13) (7) (273) - 37,571 Power and renewables 74,114 (34) (15) (802) - 73,263 Healthcare 33,030 (17) (4) (232) - 32,778 Public sector 3,081 (0) (0) (3) - 3,078 Fishing, fish farming and farming 93,488 (21) (32) (246) 45 93,234 Retail industries 40,719 (26) (112) (474) - 40,108 Manufacturing 57,179 (20) (39) (189) - 56,932 Technology, media and telecom 53,562 (21) (30) (67) - 53,444 Services 65,331 (43) (80) (603) 29 64,633 Residential property 114,575 (52) (63) (719) 213 113,954 Personal customers 1,022,160 (256) (282) (586) 40,257 1,061,293 Other corporate customers 88,283 (49) (148) (1,038) 9 87,057 Total¹ 2,238,154 (772) (930) (6,091) 40,660 2,271,021 1 Of which NOK 129,835 million in repo trading volumes. Loans to customers as at 31 December 2025 Accumulated impairment Amounts in NOK million Gross carrying amount Stage 1 Stage 2 Stage 3 Loans at fair value Total Bank, insurance and portfolio management 357,172 (21) (7) (138) - 357,006 Commercial real estate 276,993 (170) (132) (510) 106 276,286 Shipping 40,463 (24) (4) (0) - 40,435 Oil, gas and offshore 37,708 (21) (10) (665) - 37,013 Power and renewables 72,455 (30) (22) (853) - 71,550 Healthcare 31,076 (16) (13) (213) - 30,835 Public sector 3,649 (0) (0) (0) - 3,649 Fishing, fish farming and farming 89,494 (18) (40) (225) 68 89,279 Retail industries 49,578 (29) (144) (427) - 48,978 Manufacturing 60,826 (24) (33) (392) - 60,377 Technology, media and telecom 54,993 (22) (47) (55) - 54,869 Services 72,297 (51) (91) (419) 28 71,763 Residential property 116,856 (56) (60) (588) 260 116,412 Personal customers 1,015,085 (227) (172) (657) 45,730 1,059,759 Other corporate customers 85,908 (55) (136) (594) 7 85,129 Total¹ 2,364,553 (763) (910) (5,737) 46,198 2,403,340 1 Of which NOK 287,558 million in repo trading volumes. DNB GROUP – THIRD QUARTER REPORT 2026 / 28
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Financial commitments as at 30 September 2026 Accumulated impairment Amounts in NOK million Maximum exposure Stage 1 Stage 2 Stage 3 Total Bank, insurance and portfolio management 63,662 (21) (3) (0) 63,638 Commercial real estate 29,162 (18) (2) (2) 29,140 Shipping 18,795 (9) (0) - 18,786 Oil, gas and offshore 87,918 (23) (3) - 87,892 Power and renewables 96,527 (18) (6) (6) 96,498 Healthcare 29,616 (10) (0) - 29,606 Public sector 14,619 (0) (0) - 14,619 Fishing, fish farming and farming 34,045 (7) (2) (9) 34,027 Retail industries 42,195 (19) (20) (3) 42,152 Manufacturing 65,485 (18) (27) (8) 65,431 Technology, media and telecom 38,574 (18) (7) (0) 38,548 Services 29,775 (14) (11) (3) 29,747 Residential property 25,238 (14) (4) (28) 25,193 Personal customers 347,608 (11) (22) (2) 347,572 Other corporate customers 44,603 (19) (25) (16) 44,543 Total 967,822 (219) (133) (78) 967,392 Financial commitments as at 31 December 2025 Accumulated impairment Amounts in NOK million Maximum exposure Stage 1 Stage 2 Stage 3 Total Bank, insurance and portfolio management 41,967 (15) (15) (0) 41,936 Commercial real estate 30,547 (21) (5) (5) 30,515 Shipping 19,544 (10) (1) - 19,533 Oil, gas and offshore 88,383 (25) (24) - 88,334 Power and renewables 82,157 (18) (5) - 82,134 Healthcare 34,004 (12) (3) - 33,989 Public sector 15,247 (0) (0) - 15,247 Fishing, fish farming and farming 35,677 (5) (3) (6) 35,662 Retail industries 38,512 (22) (77) (5) 38,408 Manufacturing 64,427 (24) (16) (12) 64,375 Technology, media and telecom 25,918 (13) (9) (0) 25,895 Services 31,945 (21) (10) (3) 31,911 Residential property 21,975 (13) (3) (15) 21,943 Personal customers 321,745 (10) (13) (2) 321,720 Other corporate customers 46,422 (20) (22) (12) 46,368 Total 898,468 (228) (207) (63) 897,971 DNB GROUP – THIRD QUARTER REPORT 2026 / 29
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Note G8 Financial instruments at fair value Amounts in NOK million Level 1 Level 2 Level 3 Total Assets as at 30 September 2026 Loans to customers - - 40,660 40,660 Commercial paper and bonds 13,009 490,967 674 504,650 Shareholdings 9,252 22,506 10,830 42,589 Assets, customers bearing the risk - 270,233 - 270,233 Financial derivatives 1,275 157,422 1,782 160,479 Liabilities as at 30 September 2026 Deposits from customers - 49,925 - 49,925 Debt securities issued - 8,004 - 8,004 Senior non-preferred bonds - 3,840 - 3,840 Subordinated loan capital - 1,104 - 1,104 Liabilities, customers bearing the risk - 277,658 - 277,658 Financial derivatives 1,302 167,534 1,941 170,777 Other financial liabilities¹ 627 2,786 - 3,413 Assets as at 31 December 2025 Loans to customers - - 46,198 46,198 Commercial paper and bonds 15,636 499,327 752 515,716 Shareholdings 7,101 16,767 13,183 37,051 Assets, customers bearing the risk - 239,102 - 239,102 Financial derivatives 602 99,123 2,114 101,839 Liabilities as at 31 December 2025 Deposits from customers - 38,819 - 38,819 Debt securities issued - 5,267 - 5,267 Senior non-preferred bonds - 1,769 - 1,769 Subordinated loan capital - 1,123 - 1,123 Liabilities, customers bearing the risk - 245,788 - 245,788 Financial derivatives 444 99,765 1,826 102,035 Other financial liabilities¹ 2,071 5 - 2,076 1 Short positions trading activities. For a further description of the instruments and valuation techniques, see the annual report for 2025. Financial instruments at fair value, level 3 Financial assets Financial liabilities Amounts in NOK million Loans to customers Commercial paper/ bonds Share- holdings Financial derivatives Financial derivatives Carrying amount as at 31 December 2024 53,431 531 13,920 2,434 2,093 Net gains recognised in the income statement 696 7 (519) 390 53 Acquisition of Carnegie - - 234 63 - Additions/purchases 2,227 1,876 3,222 841 878 Sales - (710) (3,683) (426) - Settled (10,156) (3) - (1,168) (1,224) Transferred from level 1 or level 2 - 170 - - - Transferred to level 1 or level 2 - (1,096) (2) - - Other - (22) 10 (19) 25 Carrying amount as at 31 December 2025 46,198 752 13,183 2,114 1,826 Net gains recognised in the income statement (12) 23 (1,384) 138 (129) Additions/purchases 1,335 1,091 2,483 745 923 Sales - (1,241) (3,416) (457) - Settled (6,861) (27) - (756) (678) Transferred from level 1 or level 2 - 313 - - - Transferred to level 1 or level 2 - (225) - - - Other - (12) (36) (2) - Carrying amount as at 30 September 2026 40,660 674 10,830 1,782 1,941 Sensitivity analysis, level 3 An increase in the discount rate on fixed-rate loans by 10 basis points will decrease the fair value by NOK 75 million. The effects on other Level 3 financial instruments are insignificant. DNB GROUP – THIRD QUARTER REPORT 2026 / 30
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Note G9 Debt securities issued, senior non-preferred bonds and subordinated loan capital As an element in liquidity management, the DNB Group issues and redeems own securities issued by DNB Bank ASA and DNB Boligkreditt AS. Debt securities issued 2026 Debt securities issued 886,259 833,413 (681,815) (44,316) (8,186) 787,164 DNB Bank ASA 593,138 659,246 (502,914) (18,681) (2,127) 457,615 Amounts in NOK million Balance 30 Sept. 2026 Issued Matured/ redeemed Exchange rate movements Other changes Balance 31 Dec. 2025 Commercial papers issued, nominal amount 506,037 636,231 (482,490) (12,930) 0 365,225 Bond debt, nominal amount¹ 89,381 23,043 (20,424) (5,717) (133) 92,613 Covered bonds, nominal amount¹ 306,515 174,141 (178,902) (25,635) 0 336,911 Value adjustments² (15,674) (3) - (34) (8,053) (7,584) Senior non-preferred bonds 2026 Amounts in NOK million Balance 30 Sept. 2026 Issued Matured/ redeemed Exchange rate movements Other changes Balance 31 Dec. 2025 Senior non-preferred bonds, nominal amount 106,719 34,613 (34,498) (5,897) (0) 112,501 Value adjustments² (1,723) - - - (1,698) (25) Senior non-preferred bonds 104,996 34,613 (34,498) (5,897) (1,698) 112,476 DNB Bank ASA 104,996 34,613 (34,498) (5,897) (1,698) 112,476 Debt securities issued 2025 Amounts in NOK million Balance 31 Dec. 2025 Issued Matured/ redeemed Exchange rate movement s Other changes Balance 31 Dec. 2024 Commercial papers issued, nominal amount 365,225 1,167,752 (1,250,384) (2,779) - 450,636 Bond debt, nominal amount¹ 92,613 22,353 (19,385) (2,161) 142 91,663 Covered bonds, nominal amount¹ 336,911 261,329 (247,264) 2,033 - 320,813 Value adjustments² (7,584) - (0) 10 752 (8,347) Debt securities issued 787,164 1,451,435 (1,517,033) (2,896) 894 854,765 DNB Bank ASA 457,615 1,190,106 (1,269,769) (4,950) 1,889 540,340 Senior non-preferred bonds 2025 Amounts in NOK million Balance 31 Dec. 2025 Issued Matured/ redeemed Exchange rate movement s Other changes Balance 31 Dec. 2024 Senior non-preferred bonds, nominal amount 112,501 19,583 (22,359) (5,291) - 120,568 Value adjustments² (25) - - - 1,060 (1,085) Senior non-preferred bonds 112,476 19,583 (22,359) (5,291) 1,060 119,484 DNB Bank ASA 112,476 19,583 (22,359) (5,291) 1,060 119,484 DNB GROUP – THIRD QUARTER REPORT 2026 / 31
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Subordinated loan capital and perpetual subordinated loan capital securities 2026 Amounts in NOK million Balance 30 Sept. 2026 Issued Matured/ redeemed Exchange rate movements Other changes Balance 31 Dec. 2025 Term subordinated loan capital, nominal amount 36,134 5,434 (3,450) (548) 2 34,695 Perpetual subordinated loan capital, nominal amount - - (613) (30) - 643 Value adjustments² 43 - - - (645) 688 Subordinated loan capital and perpetual subordinated loan capital securities 36,177 5,434 (4,063) (578) (643) 36,026 DNB Bank ASA 36,177 5,434 (4,063) (578) (643) 36,026 Subordinated loan capital and perpetual subordinated loan capital securities 2025 Amounts in NOK million Balance 31 Dec. 2025 Issued Matured/ redeemed Exchange rate movements Other changes Balance 31 Dec. 2024 Term subordinated loan capital, nominal amount 34,695 4,762 (4,590) (264) - 34,788 Perpetual subordinated loan capital, nominal amount 643 - - (82) - 724 Value adjustments² 688 - (1) - (68) 757 Subordinated loan capital and perpetual subordinated loan capital securities 36,026 4,762 (4,591) (346) (68) 36,269 DNB Bank ASA 36,026 4,762 (4,591) (346) (68) 36,269 1 Excluding own bonds. The total nominal amount of outstanding covered bonds in DNB Boligkreditt was NOK 483 billion as at 30 September 2026. The market value of the cover pool represented NOK 759 billion. The comparable figures were NOK 516 billion and NOK 822 billion, respectively, as at 31 December 2025. 2 Including accrued interest, fair value adjustments and premiums/discounts. DNB GROUP – THIRD QUARTER REPORT 2026 / 32
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Note G10 Contingencies Due to its extensive operations in Norway and internationally, the DNB Group is regularly a party to various legal actions and tax-related disputes. None of the current disputes are expected to have any material impact on the Group’s financial position. In accordance with a judgment of the Swedish Patent and Market Court dated 14 May 2025 regarding DNB Finans Sweden’s variable leasing fee product, DNB Finans Sweden has adapted its private car leasing services for consumers. The Swedish Consumer Ombudsman has filed an action with the Swedish National Board for Consumer Disputes on behalf of leasing customers who were subject to fee adjustments in the period June 2020 to February 2023, seeking retroactive invalidation of the former provision governing fee adjustments and repayment of excess leasing fees with interest. The Board’s decisions are advisory and not binding on the parties. DNB Finans Sweden contests the claims, and no provision has been recognised in the accounts. On 20 April 2026, the Swedish National Board for Consumer Disputes issued a decision to reject the action brought by the Swedish Consumer Ombudsman, and closed the case on the part of the Board. Value added tax relating to the purchase of EuroBonus points The matter concerns a dispute regarding the value added tax (VAT) treatment of a cooperation agreement between SAS and DNB relating to the purchase of EuroBonus points issued to DNB’s customers. In 2024, DNB Bank ASA received a decision from the Norwegian tax authorities regarding reassessment of the VAT treatment for the years 2014–2016, in which the tax authorities concluded that these purchases are subject to VAT. DNB disagreed with the tax authorities’ view and therefore brought the matter before the courts. The case was heard by Oslo District Court in February 2026, and judgment was rendered in favour of the Norwegian government. DNB disagrees with the outcome and has appealed the decision. In addition, the tax authorities have initiated a tax audit for the period 2019–2024 relating to the same agreement. The total VAT exposure is estimated at approximately NOK 0.5 billion. No provision has been recognised in the accounts in relation to the matter. See note G25 Taxes and G51 Contingencies in the annual report for 2025. DNB GROUP – THIRD QUARTER REPORT 2026 / 33
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Accounts for DNB Bank ASA DNB GROUP – THIRD QUARTER REPORT 2026 / 34
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P - Income statement Amounts in NOK million 3rd quarter 2026 3rd quarter 2025 Jan.-Sept. 2026 Jan.-Sept. 2025 Full year 2025 Interest income, effective interest method 30,710 32,172 89,804 106,596 137,317 Other interest income 2,774 3,105 7,639 9,550 12,653 Interest expenses, effective interest method (23,792) (23,327) (68,432) (80,833) (103,153) Other interest expenses 883 115 2,497 1,314 2,047 Net interest income 10,575 12,064 31,508 36,629 48,864 Commission and fee income 2,971 2,717 8,788 8,330 11,352 Commission and fee expenses (998) (971) (2,922) (2,739) (3,840) Net gains on financial instruments at fair value 368 915 2,145 2,434 3,690 Other income 119 2,290 13,564 4,691 20,161 Net other operating income 2,460 4,952 21,575 12,715 31,363 Total income 13,035 17,016 53,083 49,343 80,227 Salaries and other personnel expenses (3,608) (3,789) (10,733) (11,306) (15,101) Other expenses (2,119) (2,080) (6,338) (6,445) (8,860) Depreciation and impairment of fixed and intangible assets (430) (874) (1,508) (2,660) (4,519) Total operating expenses (6,157) (6,743) (18,579) (20,412) (28,481) Pre-tax operating profit before impairment 6,878 10,273 34,504 28,932 51,746 Net gains on fixed and intangible assets 1 248 22 1,377 1,393 Impairment of financial instruments (178) (430) (673) (997) (1,780) Pre-tax operating profit 6,701 10,091 33,853 29,311 51,360 Tax expense (1,474) (2,018) (7,761) (5,862) (6,241) Profit for the period 5,227 8,072 26,092 23,449 45,119 Portion attributable to shareholders of DNB Bank ASA 4,817 7,682 24,871 22,250 43,516 Portion attributable to additional Tier 1 capital holders 409 390 1,221 1,199 1,603 Profit for the period 5,227 8,072 26,092 23,449 45,119 DNB GROUP – THIRD QUARTER REPORT 2026 / 35
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P - Comprehensive income statement Amounts in NOK million 3rd quarter 2026 3rd quarter 2025 Jan.-Sept. 2026 Jan.-Sept. 2025 Full year 2025 Profit for the period 5,227 8,072 26,092 23,449 45,119 Actuarial gains and losses (51) - (51) - 139 Financial liabilities designated at FVTPL, changes in credit risk 5 (4) (6) (10) (14) Tax on other comprehensive income 12 1 14 2 (26) Items that will not be reclassified to the income statement (35) (3) (43) (7) 100 Currency translation of foreign operations (19) (23) (147) 86 150 Financial assets at fair value through OCI (83) 198 132 410 546 Tax on other comprehensive income 21 (50) (33) (102) (136) Items that may subsequently be reclassified to the income statement (81) 125 (48) 393 560 Other comprehensive income for the period (116) 122 (91) 386 659 Comprehensive income for the period 5,111 8,195 26,002 23,835 45,778 DNB GROUP – THIRD QUARTER REPORT 2026 / 36
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P - Balance sheet Amounts in NOK million Note 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Assets Cash and deposits with central banks 181,538 159,726 214,852 Due from credit institutions 830,523 542,147 485,574 Loans to customers P3, P4 1,167,250 1,451,264 1,530,090 Commercial paper and bonds P4 536,515 545,303 529,284 Shareholdings P4 9,912 8,463 7,062 Financial derivatives P4 186,593 122,858 125,069 Investments in associated companies 10,253 10,234 10,234 Investments in subsidiaries 163,153 149,567 148,929 Intangible assets 8,672 9,463 9,320 Deferred tax assets 6,123 2,937 387 Fixed assets 5,794 16,321 16,461 Other assets 40,563 55,476 55,087 Total assets 3,146,889 3,073,760 3,132,348 Amounts in NOK million Note 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Liabilities and equity Due to credit institutions 399,318 481,088 508,934 Deposits from customers P4 1,509,137 1,511,606 1,517,272 Financial derivatives P4 179,874 141,910 149,483 Debt securities issued P4, G9 593,138 457,615 481,004 Payable taxes 7,805 9,861 6,565 Deferred taxes 67 1,004 1,050 Other liabilities 48,921 68,736 63,277 Provisions 645 827 836 Pension commitments 5,649 5,335 5,241 Senior non-preferred bonds P4, G9 104,996 112,476 110,708 Subordinated loan capital P4, G9 36,177 36,026 35,740 Total liabilities 2,885,727 2,826,483 2,880,109 Additional Tier 1 capital 23,739 23,380 21,883 Share capital 17,773 18,262 18,348 Share premium 18,733 18,733 18,733 Other equity 200,918 186,901 193,275 Total equity 261,162 247,276 252,238 Total liabilities and equity 3,146,889 3,073,760 3,132,348 DNB GROUP – THIRD QUARTER REPORT 2026 / 37
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P - Statement of changes in equity Amounts in NOK million Share capital Share premium Additional Tier 1 capital Net currency translation reserve Liability credit reserve Other equity Total equity Balance sheet as at 31 December 2024 18,533 18,733 21,916 739 0 173,401 233,322 Profit for the period - - 1,199 - - 22,250 23,449 Financial assets at fair value through OCI - - - - - 410 410 Financial liabilities designated at FVTPL, changes in credit risk - - - - (10) - (10) Currency translation of foreign operations - - - 86 - - 86 Tax on other comprehensive income - - - - 2 (102) (100) Comprehensive income for the period - - 1,199 86 (7) 22,558 23,835 Interest payments AT1 capital - - (832) - - - (832) AT1 capital redeemed - - (400) - - - (400) Share buy-back programme (185) - - - - (3,502) (3,687) Balance sheet as at 30 September 2025 18,348 18,733 21,883 825 (7) 192,457 252,238 Balance sheet as at 31 December 2025 18,262 18,733 23,380 890 (10) 186,022 247,276 Profit for the period - - 1,221 - - 24,871 26,092 Actuarial gains and losses - - - - - (51) (51) Financial assets at fair value through OCI - - - - - 132 132 Financial liabilities designated at FVTPL, changes in credit risk - - - - (6) - (6) Currency translation of foreign operations - - - (147) - - (147) Tax on other comprehensive income - - - - 2 (20) (19) Comprehensive income for the period - - 1,221 (147) (5) 24,932 26,002 Interest payments AT1 capital - - (862) - - - (862) Share buy-back programme (489) - - - - (10,764) (11,253) Balance sheet as at 30 September 2026 17,773 18,733 23,739 743 (14) 200,189 261,162 DNB GROUP – THIRD QUARTER REPORT 2026 / 38
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Note P1 Basis for preparation DNB Bank ASA has prepared the financial statements according to the Norwegian Ministry of Finance's regulations on annual accounts. A description of the accounting principles applied by the company when preparing the financial statements can be found in Note 1 Accounting principles in the annual report for 2025. In the interim report, the accounting policies, significant estimates, and areas where judgement is applied by the company are in conformity with those described in the annual report. See note G9 to the consolidated accounts for information about debt securities issued, senior non-preferred bonds and subordinated loan capital, and note G10 for information about contingencies. Intragroup merger In the first quarter of 2026, DNB Bank ASA carried out an internal reorganisation. The business operations related to DNB Finans were demerged and subsequently merged into Eksportfinans AS, which was renamed DNB Finans AS upon completion. The transaction was completed in late January 2026 and was carried out at book value. As part of the reorganisation, DNB Bank ASA transferred the assets and liabilities related to DNB Finans to the new entity. The equity of DNB Bank ASA remains unchanged following the transaction. The reorganisation covered the business operations in Norway, Sweden and Finland, while the operations in Denmark were transferred from DNB Bank ASA to DNB Finans AS after the merger. DNB GROUP – THIRD QUARTER REPORT 2026 / 39
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Note P2 Capital adequacy Capital adequacy is calculated and reported in accordance with the EU capital requirements regulations for banks and investment firms (CRR/CRD). The implementation of the Capital Requirements Regulation (CRR3) entered into force in Norway with effect from 1 April 2025. The regulatory consolidation deviates from consolidation in the accounts and comprises the parent company, subsidiaries and associated companies, excluding insurance companies. Associated companies are consolidated pro rata. DNB has complied in full with all its externally imposed capital requirements over the reported period. Own funds Amounts in NOK million 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Total equity 261,162 247,276 252,238 Adjustment to retained earnings for foreseeable dividends (16,463) - (13,350) Additional Tier 1 capital instruments included in total equity (23,130) (23,130) (21,280) Net accrued interest on additional Tier 1 capital instruments (609) (250) (603) Common equity Tier 1 capital instruments 220,961 223,897 217,005 Regulatory adjustments Pension funds above pension commitments (156) (146) (82) Goodwill (6,384) (7,222) (7,205) Deferred tax assets that rely of future profitability, excluding temporary differences - - (14) Other intangible assets (1,997) (1,449) (1,600) Share buy-back program (6,753) (6,181) (5,815) IRB provisions shortfall (2,368) (2,543) (2,170) Additional value adjustments (AVA) (643) (743) (773) Insufficient coverage for non-performing exposures (436) (154) (262) (Gains) or losses on liabilities at fair value resulting from own credit risk 14 10 7 (Gains) or losses on derivative liabilities resulting from own credit risk (DVA) (234) (196) (205) Securitisation positions (285) (292) (291) Common equity Tier 1 capital 201,719 204,980 198,594 Amounts in NOK million 30 Sept. 2026 31 Dec. 2025 30 Sept. 2025 Additional Tier 1 capital instruments 23,130 23,130 21,280 Non-eligible Tier 1 capital (10) (10) (10) Additional Tier 1 capital 23,120 23,120 21,270 Tier 1 capital 224,839 228,100 219,864 Term subordinated loan capital 37,946 34,695 34,586 Deduction of holdings of Tier 2 instruments in insurance companies¹ (1,500) (1,500) (1,500) Non-eligible Tier 2 capital (1,824) (25) (25) Tier 2 capital 34,623 33,170 33,061 Own funds 259,461 261,270 252,925 Total risk exposure amount 1,006,260 1,026,954 1,012,076 Minimum capital requirement 80,501 82,156 80,966 Capital ratios (per cent): Common equity Tier 1 capital ratio 20.0 20.0 19.6 Tier 1 capital ratio 22.3 22.2 21.7 Total capital ratio 25.8 25.4 25.0 1 Investments in Tier 2 instruments issued by the Group’s insurance companies are deducted from the Parent’s Tier 2 capital. DNB GROUP – THIRD QUARTER REPORT 2026 / 40
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Note P3 Development in accumulated impairment of financial instruments Loans to customers at amortised costs Jan.-Sept. 2026 Full year 2025 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Accumulated impairment as at 1 Jan. (537) (746) (5,203) (6,486) (643) (665) (5,222) (6,530) Derecognition due to demerger 158 196 483 837 - - - - Transfer to stage 1 (176) 174 2 0 (347) 332 15 - Transfer to stage 2 55 (67) 12 0 138 (164) 26 - Transfer to stage 3 1 50 (51) 0 9 86 (95) - Originated and purchased (127) (36) - (163) (216) (126) - (342) Increased expected credit loss (115) (342) (2,486) (2,942) (201) (664) (2,627) (3,492) Decreased (reversed) expected credit loss 358 208 1,804 2,369 715 280 1,520 2,514 Write-offs - - 596 596 - - 1,189 1,189 Derecognition (including repayments) 3 84 - 87 12 178 3 193 Exchange rate movements 0 0 8 8 (3) (4) (11) (18) Accumulated impairment as at end of period (380) (480) (4,835) (5,695) (537) (746) (5,203) (6,486) Financial commitments Jan.-Sept. 2026 Full year 2025 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Accumulated impairment as at 1 Jan. (173) (178) (63) (414) (223) (134) (187) (544) Derecognition due to demerger 3 1 - 4 - - - - Transfer to stage 1 (39) 39 1 (0) (72) 64 8 - Transfer to stage 2 19 (20) 1 (0) 24 (67) 42 - Transfer to stage 3 0 5 (5) - 6 13 (18) - Originated and purchased (107) (14) - (121) (143) (104) - (248) Increased expected credit loss (19) (72) (51) (142) (51) (135) (70) (255) Decreased (reversed) expected credit loss 152 37 40 229 286 99 162 548 Derecognition 0 87 1 88 - 85 1 86 Exchange rate movements 1 2 0 3 - - (1) (1) Accumulated impairment as at end of period (163) (114) (76) (353) (173) (178) (63) (414) For explanatory comments about the impairment of financial instruments, see the directors’ report. DNB GROUP – THIRD QUARTER REPORT 2026 / 41
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Note P4 Financial instruments at fair value Amounts in NOK million Level 1 Level 2 Level 3 Total Assets as at 30 September 2026 Loans to customers - 217,690 9,912 227,603 Commercial paper and bonds 10,405 525,619 491 536,515 Shareholdings 8,026 1,017 869 9,912 Financial derivatives 1,275 183,536 1,782 186,593 Liabilities as at 30 September 2026 Deposits from customers - 49,925 - 49,925 Senior non-preferred bonds - 3,840 - 3,840 Subordinated loan capital - 1,104 - 1,104 Financial derivatives 1,302 176,631 1,941 179,874 Other financial liabilities¹ 627 2,786 - 3,413 Assets as at 31 December 2025 Loans to customers - 210,597 11,088 221,685 Commercial paper and bonds 12,359 532,365 579 545,303 Shareholdings 5,968 1,518 976 8,463 Financial derivatives 602 120,177 2,079 122,858 Liabilities as at 31 December 2025 Deposits from customers - 38,819 - 38,819 Debt securities issued - 2 - 2 Senior non-preferred bonds - 1,769 - 1,769 Subordinated loan capital - 1,123 - 1,123 Financial derivatives 444 139,640 1,826 141,910 Other financial liabilities¹ 2,071 5 - 2,076 1 Short positions trading activities. Loans with floating interest rate measured at fair value through other comprehensive income are categorised within level 2, since the valuation is mainly based on observable inputs. The corresponding loans are measured at amortised cost in the Group, due to a hold to collect business model. For a further description of the instruments and valuation techniques, see the annual report for 2025. DNB GROUP – THIRD QUARTER REPORT 2026 / 42
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Note P5 Information on related parties DNB Boligkreditt AS In the first three quarters of 2026, loan portfolios representing net NOK 0.4 billion (net NOK 7.1 billion in the first three quarters of 2025) were transferred from the bank to DNB Boligkreditt in accordance with the ”Agreement relating to transfer of loan portfolio between DNB Bank ASA and DNB Boligkreditt AS”. At end-September 2026, the bank had invested NOK 177.1 billion in covered bonds issued by DNB Boligkreditt. The servicing agreement between DNB Boligkreditt and DNB Bank ensures DNB Boligkreditt a minimum margin achieved on loans to customers. A margin below the minimum level will be at DNB Bank’s risk, resulting in a negative management fee (payment from DNB Bank to DNB Boligkreditt). The management fee paid to the bank for purchased services amounted to a negative NOK 1,028 million in the first three quarters of 2026 (NOK 751 million in the first three quarters of 2025). In the first three quarters of 2026, DNB Boligkreditt entered into reverse repurchasing agreements (reverse repos) with the bank as counterparty. The value of the repos amounted to NOK 9.5 billion at end-September 2026. As of end-September 2026, DNB Bank had invested NOK 2.0 billion in additional tier 1 (AT1) instruments issued by DNB Boligkreditt. DNB Boligkreditt has a long-term overdraft facility in DNB Bank with a limit of NOK 220.0 billion. DNB Finans AS DNB Finans has a long-term multi currency revolving credit facility in DNB Bank with a limit of NOK 170 billion. DNB GROUP – THIRD QUARTER REPORT 2026 / 43
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Information about DNB Board of Directors Eimund Nygaard Chair of the Board Jens Petter Olsen Vice Chair of the Board Gro Bakstad Berit Behring Petter-Børre Furberg Lillian Hattrem Vivian Lund Lars Røsæg Haakon Christopher Sandven Eli Solhaug Organisation number Register of Business Enterprises NO 984 851 006 MVA Contact information Mitra Hagen Negård Head of Investor Relations tel. +47 95 79 36 31 Anne Engebretsen Investor Relations tel. +47 45 22 43 74 Thor Tellefsen Long Term Funding tel. +47 91 54 43 85 Head office tel. +47 91 50 48 00 Group Management Kjerstin R. Braathen Group Chief Executive Officer (CEO) Rasmus T. Figenschou Group Chief Financial Officer (CFO) Maria Ervik Løvold Group Executive Vice President of Personal Banking Marianne Wik Sætre Group Executive Vice President of Corporate Banking Norway Harald Serck-Hanssen Group Executive Vice President of Large Corporates & International Håkon Hansen Group Executive Vice President of Wealth Management Alexander Opstad Group Executive Vice President of DNB Carnegie Fredrik Berger Group Chief Compliance Officer (CCO) Eline Skramstad Group Chief Risk Officer (CRO) Elin Sandnes Group Executive Vice President of Technology & Services Even Graff Westerveld Group Executive Vice President of People & Communication mitra.hagen.negard@dnb.no anne.engebretsen@dnb.no thor.tellefsen@dnb.no DNB GROUP – THIRD QUARTER REPORT 2026 / 44
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Financial calendar 2026 10 November Capital Markets Day, in London 2027 4 February Q4 2026 19 March Annual report 2026 27 April Annual General Meeting 28 April Ex-dividend date 29 April Q1 2027 7 May Distribution of dividends 13 July Q2 2027 20 October Q3 2027 Other sources of information Separate annual and quarterly reports are prepared for DNB Boligkreditt, DNB Livsforsikring and DNB Finans. The reports and the Factbook are available on ir.dnb.no. Annual and quarterly reports can be ordered by sending an e-mail to Investor Relations. DNB GROUP – THIRD QUARTER REPORT 2026 / 45 The quarterly report has been produced by Group Financial Reporting in DNB. Cover design: Aksell
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DNB Postal address: P.O. Box 1600 Sentrum N-0021 Oslo Visiting address: Dronning Eufemias gate 30 Bjørvika, Oslo dnb.no To simplify life for people and businesses and make them prosper – that’s why we’re building the world’s best bank for Norway