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DNB Bank (DNB) investor relations material
DNB Bank Pre-Close Call summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Pre-Close Call summary7 Oct, 2025
Executive summary
Third quarter pre-close call reiterates previously shared public information and market data relevant to Q3 results.
No new information disclosed; focus remains on factors already communicated to the market.
Trading performance and revenue trends
Net interest income (NII) benefits from one additional interest day in Q3, adding approximately NOK 130 million.
Lending volume growth in Q2 was 1.7% FX-adjusted; Q3 activity typically lower due to summer holidays.
Stable credit demand reported: household growth at 4.2% and corporate at 2% over the last 12 months as of August.
Strengthening NOK against USD negatively impacts NII; FX split in Q2 loan portfolio: 8% USD, 7% EUR, 6% SEK.
Customer repricing of up to 25 bps on loans and deposits effective from August 25th after June rate cut.
Profitability and margins
Mark-to-market effects: basis swaps positive NOK 264 million, FX 81s negative NOK 136 million.
Seasonally lower activity in Q3 typically results in lower net commission, fees, and costs.
Non-recurring integration costs related to Carnegie expected at NOK 250 million for 2025; NOK 170 million incurred YTD by Q2.
Normalized pension expenses expected at NOK 500 million per quarter.
Central bank rate path beyond 2025?
Mortgage risk weight floor impact on CET1?
Are there systemic asset quality concerns?
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Q3 2025 (Media)22 Oct, 2025
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Frequently asked questions
Norway's Largest Bank
DNB is Norway's largest bank and an important player in the wider Nordic financial region. Headquartered in Oslo, DNB has woven itself into the fabric of the Nordic economy, playing a crucial role in both local and international financial markets. The bank offers a wide range of traditional banking services for both businesses and private individuals.
A History Spanning two Centuries
DNB's journey began in 1822 when it was founded as Christiania Sparebank. In its early years, it catered primarily to the local population, focusing on providing savings and loan services. The bank expanded its operations significantly through a series of mergers and acquisitions over the years. The most notable of these was the merger between Den Norske Bank (DnB) and Gjensidige NOR in 2003, resulting in the modern iteration of the company. This cemented DNB's place as Norway's largest financial services group, and it has maintained this position to the present day. Today, they’re an important player in the Nordic Banking sphere together compete with other large banks in the region, including names like Danske Bank, Skandinaviska Enskilda Banken, and Nordea.
A Comprehensive Financial Services Provider
As a full-service bank, DNB offers a wide range of financial products and services to its customers. This includes personal and business banking services, wealth management, and insurance. Personal banking services cover everything from day-to-day transaction accounts, credit and debit cards, home and personal loans, to savings and investment opportunities. For businesses, DNB offers corporate banking services, including business loans, cash management solutions, and tailored services for industries like shipping, offshore, and seafood.
Furthermore, DNB has a strong focus on digital banking, providing customers with an advanced mobile banking app that allows for seamless transactions, personal finance management, and easy access to their accounts. With a strong emphasis on digital innovation, DNB offers contemporary, convenient banking solutions that align with the evolving needs of its customers.
DNB in the Nordic Banking Landscape
DNB's influence extends well beyond Norway's borders, making it a notable player in the broader Nordic banking industry. As one of the largest financial institutions in the region, DNB is pivotal to the Nordic financial infrastructure. It has branches, subsidiaries, and representative offices in many countries, serving a wide array of customers from various backgrounds and industries. Today, they also have representational offices in various financial hubs across both Europe and the rest of the world.
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