The Financial Supervisory Authority of Norway ("the FSA") regularly carries out
a Supervisory Review and Evaluation Process ("SREP"), where they evaluate the
risks and capital needs of DNB. The SREP includes a decision regarding the
Pillar 2 Requirement and the Pillar 2 Guidance, which comes in addition to the
Pillar 1 minimum requirements and the combined buffer requirements. DNB has
received this year's decision from the FSA, which will apply from 31 December
2025.
The FSA has decided to maintain DNB's current Pillar 2 Requirement (on a group
level) at 1.7 % of the total risk exposure amount (TREA). At least 56.25 % of
the requirement shall be met with common equity tier 1 (CET1) capital, while 75
% must be met with tier 1 capital.
Further, the FSA has decided to reduce the Pillar 2 Guidance from 1.25 % to 1.00
% of TREA.