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DNB Bank
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 Jan, 2026
Executive summary
Corporate growth reached 1.8% with minor FX impacts expected on NII for Q4.
Policy rate cuts of 25 basis points in June and September led to corresponding customer repricing, with full and partial effects in Q4.
A technical correction of negative 80 million NOK in NII will be booked in Q4, and regulatory changes will impact NII by approximately negative 300 million NOK annually from 2026.
Trading performance and revenue trends
Net commission and fees are expected to be higher in Q4 due to increased activity levels.
Customer revenues in FICC typically rise in Q4, influenced by market volatility.
Positive mark-to-market effects on basis swaps (83 million NOK) and FX AT1 (248 million NOK) have been announced.
Profitability and margins
Seasonally higher activity in Q4 is expected to increase costs compared to Q3.
Salary inflation in Norway is projected at 4.8% for 2025.
Non-recurring integration costs related to Carnegie are estimated at NOK 250 million for 2025, with NOK 200 million incurred by Q3.
Normalized pension expenses are about 500 million NOK per quarter.
NII impact from 2026 tax account regulation
Effect of reduced Pillar 2 guidance on capital
Future CET1 impact from operational risk REA
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Next DNB Bank earnings date
Q4 2025 (Media)4 Feb, 2026
DNB Bank
Next DNB Bank earnings date
Q4 2025 (Media)4 Feb, 2026
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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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