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    Dronning Eufemias gate 30
    NO-0021 Oslo
    Tel.: ‎+47 915 03000
    Fax: ‎+ 47 24 02 53 00

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    Strategy & Goals  

    year 2013


    DNB’s vision:
    Creating value through the art of serving the customer
    DNB will create value for customers, owners, employees and society in general.

    DNB’s values:
    Helpful, professional and show initiative
    The values reflect what should characterise DNB. Employees who are helpful, professional and show initiative will ensure that customers always have a good experience when they contact DNB.

    DNB’s vision and values are about putting the customers in focus. By having satisfied customers whose needs for financial services are well met, DNB aims to be the leading bank throughout Norway and a leading international player within selected customer segments, products and geographic areas.

    An important target for the Group is to achieve even stronger customer orientation in its operations and improve customer satisfaction.



    DNB will give priority to long-term value creation for its shareholders and aims to achieve a return on equity, growth and a market capitalisation which are competitive in relation to its Nordic peers. The Group will also have to build up sufficient capital to meet the stricter capital adequacy requirements.


    DNB’s long-term financial target is to achieve a return on equity above 12 per cent

    This is conditional on adequate capitalisation, and DNB’s ambition for 2016 is to achieve a common equity Tier 1 capital ratio at 13.5–14 per cent

    The Group’s long-term dividend policy remains unchanged, with a payout ratio of approximately 50 per cent of annual profits. In order to strengthen capital adequacy, however, the dividend payout ratio will be approximately 25 per cent during the 2013–2016 period.


    DNB’s strong position in Norway and the healthy Norwegian economy give the Group a sound basis for continued growth. However, uncertainty regarding future economic developments and new requirements from the authorities call for a high level of adaptability and will be guiding for DNB’s future strategic decisions. Due to stricter Tier 1 capital requirements, optimal use must be made of available capital resources, and capital efficiency measures will be required to improve the Group’s capital adequacy ratios and provide scope for profitable growth. DNB’s strategic platform consists of the Group’s vision and values and a shared customer value proposition. The strategy focuses on capital efficiency, customer experience and corporate culture.


    DNB’s ambition is to achieve continued growth and competitive returns parallel to strengthening its Tier 1 capital ratio. This requires clear priorities. DNB will give priority to growth within the areas which ensure the best risk-adjusted return, with special emphasis on non-capital intensive products and services.


    DNB wishes to ensure that customers have a good experience every time they are in contact with the bank. Innovation and development and good access to the Group’s services are key elements in this respect. DNB will show initiative, build trust and make sure that the size of the Group is advantageous for its customers. This is underlined by DNB’s customer value proposition:
    Here for you. Every day. When it matters the most.

    Good customer experiences, along with local competitive power and in-depth industry knowledge, will consolidate and strengthen DNB’s position among customers.


    DNB’s operational structure reflects the Group’s customer segments and aims to ensure efficient adaption to changes in customer behaviour and the development of products and services tailored to the needs of the various customer segments. DNB’s corporate culture should be characterised by change capacity, engagement, good leadership and effective communication. Close cooperation between the various group units will ensure that customers get access to the Group’s full range of services.

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