DNB Financial Overview

Avg'07-11 DNB: Stronger earnings and increased solidity Retained earnings (bps) CET1-ratio transition rules 109 128 161 178 73 96 96 2012 2013 * Dividends 25% level DNB Retained earnings 121 YTD 2014 11.8% 12.1% 10.7% 9.2% 9.4% 8.5% 133 2009 2010 2011 2012 2013 1H 2014 Long-term dividend policy intact 50 per cent Long-term policy min 25 2013-2016 per cent during capital build up phase

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