Slides
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Quarterly Report 3Q 2026 Tromsø, October 30th 2026 Hanne Karoline Kræmer, CEO Bengt Olsen, CFO
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Financial highlights
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Financial Results
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The Group's leading position provides a strong foundation for further growth Leading market position in Northern Norway Leading position in the region is an important foundation for further growth + 8.2 % Lending growth in the retail market 12 months of growth, while the ambition is 6-9% for 2026 + 10.0 % Lending growth in the corporate market 12-months growth, while the ambition is 7-10% for 2026
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SpareBank 1 Regnskapshuset Nord-Norge strengthened competitiveness and increased profitability 1 2 3 Profitable and sustainable growth Data-driven segmentation and strong interaction between digital and advisory channels. Customer-centric process optimization Standardized processes and clearly defined roles, combined with extensive use of AI, improve efficiency and reduce resource requirements. Fully leverage the SpareBank 1 ecosystem A comprehensive customer offering with the SpareBank 1 ecosystem as its foundation.
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Updated Long-Term Financial Targets > 14 % ROE < 35 % C/I ratio 15.56 % CET1 ratio > 50 % Dividend payout ratio
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Northern Norway Norway 2023 Avg. 2013- 2019 2022 Avg. 2020- 2024 2021 2024 2025 2026
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Status and Outlook in Northern Norway
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For Northern Norway
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Quarterly Development
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Subsidiaries– Earnings Before Tax
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Group Financial Highlights and Key Figures
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Development in Net Interest Income Net interest in % of average assets NII* *) Incl. SpareBank 1 Boligkreditt
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Development in Financial Assets (MNOK)
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Earnings Before Tax - Last Quarter (Amounts in NOK million) *) Incl. SpareBank 1 Boligkreditt
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Income NIISpareBank 1 Bolig- næringskreditt Commission Income
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Low Losses Net lossesNet losses in % of gross lending incl. interm. loans CorporateRetail (Amount in NOK million)
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Strong Capital Base CET1 Pillar 1 min.requirement P2R Buffer requirements P2G
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Lending Growth Retail Corporate
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Retail Market Retail (excl. Com.loans) Commission loans
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Corporate Banking
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Deposit Growth
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Development in Deposit Margins Retail Corporate
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Financial Outlook
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Why Invest in SpareBank 1 Nord-Norge
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Contacts Hanne Karoline Kræmer CEO +47 414 70 483 Hanne.karoline.kramer@snn.no Bengt Olsen CFO +47 975 89 560 bengt.olsen@snn.no Terje Karlstad Investor Relations +47 411 22 220 terje.karlstad@snn.no Management Investor Relations
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A Solid Bank For Northern Norway
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Development in Lending Margins Corporate Retail
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Company Structure EiendomsMegler 1 Nord- Norge AS 85 % | Real estate brokerage SpareBank 1 Regnskaps- huset Nord-Norge AS 85 % | Accounting SpareBank 1 Gruppen AS 19.50 % | Financial services SpareBank 1 Utvikling DA 18 % | System development SpareBank 1 Boligkreditt AS 17.26 % | Covered bond company Kredittbanken ASA 12.99 % | Credit card SpareBank 1 Bank og Regnskap AS 25 % | Innovation SpareBank 1 Næringskreditt AS 0.53 % | Covered bond company SpareBank 1 Betaling AS 17,26 % | Vipps/mobile pay SpareBank 1 Mobilitet Holding AS 30.66 % | System development SpareBank 1 Gjeldsinformasjon AS 13.83 % | Investment company SpareBank 1 Forvaltning Holding AS 12.38 % | Investment company SpareBank 1 Finans Nord- Norge AS 85 % | Loan/consumer finance/leasing Fredrik Langes Gate 20 AS 100 % | Commercial property SpareBank 1 Nord-Norge Portefølje AS 100 % | Investment company SB1 Markets AS 14.45 % | Investment bank SpareBank 1 Helgeland 26,7 % | Bank
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Geographical Distribution of Ownership Holders residing in Northern Norway Other Norwegian holders Foreign holders
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The 20 Largest EC Holders
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Cost Development Group operating costs Cost/income Group (Amounts in NOK million)
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Operating Expenses (Amounts in NOK million)
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Risk Exposure Low risk Medium risk High risk Non- performing /impaired
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Changes in Exposure over the Last 12 Months Low risk Medium risk High risk Non- performing /impaired (NOK million)
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Exposure Distributed by Size* 30.09.2026 30.09.2025 *) Incl. parent bank, SpareBank 1 Boligkreditt and SpareBank 1 Næringskreditt
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LTV Mortgage Loans 30.09.2026 30.09.2025
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Diversified Portfolio in Commercial Real Estate
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Loan Losses ’ z companies Commitments in step 3: 1.14 % of total exposure. Expected loss share: 22.61 % Commitments in step 2: 11.94 % of total exposure. Expected loss share: 2.49 % Commitments in step 1: 86.92 % of total exposure. Expected loss share: 0.15 %
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The Lending Portfolio
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Funding SP Tier 2 SNP NOK 25,793 mill in capital market funding excluding SpareBank 1 Boligkreditt and SpareBank 1 Næringskreditt SpareBank 1 Boligkreditt and SpareBank 1 Næringskreditt are important funding sources. In total NOK 55,006 mill had been transferred as of 30.09.2026 Gross maturities of capital market funding over the next 12 months amount to NOK 5,596 million.
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The SpareBank 1 Alliance SpareBank 1 Nord-Norge (Tromsø) SpareBank 1 Østlandet (Oslo/Hamar) SpareBank 1 Sør-Norge (Stavanger) SpareBank 1 SMN (Trondheim) SpareBank 1 SamSpar SpareBank 1 Helgeland (Mo i Rana) • The SpareBank 1-alliance consists of 12 banks • Independent within each region. • Decisions are made close to the customers, and the banks both develop and are an integral part of their local communities • Operate exclusively in Norway • Shared business platform and development • Product companies jointly owned • Market leaders in their core regional markets • Market share 30-50 per cent