DNB Financial Overview

DNB: Outlook is firm The build-up of Tier 1 capital is on schedule, and regulatory uncertainty has been reduced DNB The ambition to achieve 3-4 per cent trailing 12-month lending growth and stable volume-weighted spreads remains firm High level of activity in all customer segments and a continued increase in commissions is expected Underlying nominal costs are expected to be stable in the period up to 2016, and the cost/income ratio will remain highly competitive Credit quality will improve further, and losses are expected to be well below normalised levels 15

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