.

Supplementary Information for Investors and Analysts

2007 Second Quarter Results

Financial highlights

Second quarter 2007
· Pre-tax operating profits before write-downs were up 21.2 per cent to NOK 3.5 billion (2.9)
· Profits were NOK 2.5 billion (2.4)
· Expenses were reduced to 48.9 per cent of income (51.8)
· Return on equity was 17.2 per cent (19.0)
· The core capital ratio was 7.3 per cent (7.2)

First half 2007
· Pre-tax operating profits before write-downs were up 12.5 per cent to NOK 6.9 billion (6.1)
· Profits were NOK 4.9 billion (4.9)
· Expenses were reduced to 49.2 per cent of income (50.1)
· Return on equity was 17.4 per cent (19.5)
· The core capital ratio was 7.3 per cent (7.2)

Financial highlights

Second quarter 2007
· Pre-tax operating profits before write-downs were up 19.5 per cent to NOK 4.0 billion (3.4)
· Profit for the period increased by 19.5 per cent to NOK 3.4 billion (2.9)
· Expenses were reduced to 49.1 per cent of income (50.7)
· Return on equity was 20.4 per cent (19.2)
· The core capital ratio, including 50 per cent of interim profits, was 7.4 per cent (6.9)

First half 2007
· Pre-tax operating profits before write-downs were up 10.2 per cent to NOK 7.8 billion (7.1)
· Profit for the period increased by 10.1 per cent to NOK 6.3 billion (5.7)
· Expenses were reduced to 49.4 per cent of income (49.5)
· Return on equity was 18.8 per cent (19.2)
· The core capital ratio, including 50 per cent of interim profits, was 7.4 per cent (6.9)

Strong rise in profits in DnB NOR DnB NOR recorded pre-tax operating profits before write-downs of NOK 4.0 billion in the second quarter of 2007, an increase of 19.5 per cent compared with the corresponding period in 2006. Complete statement and attachments on www.newsweb.no DnB NOR recorded pre-tax operating profits before write-downs of NOK 4.0 billion in the second quarter of 2007, an increase of 19.5 per cent compared with the corresponding period in 2006. Financial highlights: · Pre-tax operating profits before write-downs were NOK 4.0 billion (3.4) · Profit for the period was NOK 3.4 billion (2.9) · Expenses represented 49.1 per cent of income (50.7) · Return on equity was 20.4 per cent (19.2) · Earnings per share came to NOK 2.50 (2.11) · The core capital ratio, including 50 per cent of interim profits, was 7.4 per cent (6.9) (Figures for the corresponding period in 2006 in parentheses.) 'We are experiencing a strong development in all markets, both in Norway and internationally. There is a greater increase in income than in expenses both at home and abroad, and the level of write- downs and non-performing commitments remains low. After a period of narrowing spreads, pressure now seems to be easing,' says Rune Bjerke, group chief executive. There was a rise of 15.7 per cent in total group income compared with the second quarter of 2006. The rise in costs reflects higher wage and pension costs and greater investments in product development and international start-ups. The cost/income ratio was reduced from 50.7 to 49.1 per cent. In operations located in Norway, the cost/income ratio was brought down to 47.8 per cent. In late 2006, DnB NOR acquired the Polish BISE Bank through its partially owned subsidiary DnB NORD. A concession for the purchase was granted in April 2007, and DnB NORD now holds 91.9 per cent of the shares in BISE Bank. In June 2007, DnB NOR entered into an agreement to purchase the Swedish real estate brokerage chain Svensk Fastighetsförmedling AB, making the real estate brokerage operations of DnB NOR the most extensive in the Nordic region. Operations outside Norway accounted for 13 per cent of total group income in the second quarter of 2007, compared with just under 10 per cent a year earlier. 'There is profitable growth in international operations,' emphasises Bjerke. Average lending increased by NOK 122 billion or 16.6 per cent from the second quarter of 2006. The rise mainly represented well-secured housing loans and corporate customer loans with relatively low risk. Lending spreads contracted by 0.26 percentage points compared with the year-earlier period, while deposit spreads expanded by 0.21 per cent. Higher volumes contributed to a NOK 438 million rise in net interest income. Other income also showed a strong increase during the twelve-month period. Other operating income rose by NOK 643 million, totalling NOK 3.7 billion in the second quarter. 'We have achieved a significant increase in income from life insurance activity, the bank's equity investments, corporate finance activity and sales of savings and insurance products,' says Rune Bjerke. Write-downs on loans and guarantees came to NOK 140 million in the second quarter of 2007. Net non- performing and impaired commitments represented 0.44 per cent of net lending at end-June 2007, down from 0.60 per cent a year earlier. In July 2007, DnB NOR entered into an agreement to sell its premises at Aker Brygge as part of plans to sell all of the Group's bank buildings. The gain of NOK 860 million will be recorded as income in the third quarter of 2007. DnB NOR Boligkreditt completed its first issues of covered bonds in July. The bonds were assigned an AAA rating. Press release, second quarter report, presentation and Supplementary Information for Investors and Analysts can be found on www.newsweb.no

Strong rise in profits in DnB NOR DnB NOR recorded pre-tax operating profits before write-downs of NOK 4.0 billion in the second quarter of 2007, an increase of 19.5 per cent compared with the corresponding period in 2006. Complete statement and attachments on www.newsweb.no DnB NOR recorded pre-tax operating profits before write-downs of NOK 4.0 billion in the second quarter of 2007, an increase of 19.5 per cent compared with the corresponding period in 2006. Financial highlights: · Pre-tax operating profits before write-downs were NOK 4.0 billion (3.4) · Profit for the period was NOK 3.4 billion (2.9) · Expenses represented 49.1 per cent of income (50.7) · Return on equity was 20.4 per cent (19.2) · Earnings per share came to NOK 2.50 (2.11) · The core capital ratio, including 50 per cent of interim profits, was 7.4 per cent (6.9) (Figures for the corresponding period in 2006 in parentheses.) 'We are experiencing a strong development in all markets, both in Norway and internationally. There is a greater increase in income than in expenses both at home and abroad, and the level of write- downs and non-performing commitments remains low. After a period of narrowing spreads, pressure now seems to be easing,' says Rune Bjerke, group chief executive. There was a rise of 15.7 per cent in total group income compared with the second quarter of 2006. The rise in costs reflects higher wage and pension costs and greater investments in product development and international start-ups. The cost/income ratio was reduced from 50.7 to 49.1 per cent. In operations located in Norway, the cost/income ratio was brought down to 47.8 per cent. In late 2006, DnB NOR acquired the Polish BISE Bank through its partially owned subsidiary DnB NORD. A concession for the purchase was granted in April 2007, and DnB NORD now holds 91.9 per cent of the shares in BISE Bank. In June 2007, DnB NOR entered into an agreement to purchase the Swedish real estate brokerage chain Svensk Fastighetsförmedling AB, making the real estate brokerage operations of DnB NOR the most extensive in the Nordic region. Operations outside Norway accounted for 13 per cent of total group income in the second quarter of 2007, compared with just under 10 per cent a year earlier. 'There is profitable growth in international operations,' emphasises Bjerke. Average lending increased by NOK 122 billion or 16.6 per cent from the second quarter of 2006. The rise mainly represented well-secured housing loans and corporate customer loans with relatively low risk. Lending spreads contracted by 0.26 percentage points compared with the year-earlier period, while deposit spreads expanded by 0.21 per cent. Higher volumes contributed to a NOK 438 million rise in net interest income. Other income also showed a strong increase during the twelve-month period. Other operating income rose by NOK 643 million, totalling NOK 3.7 billion in the second quarter. 'We have achieved a significant increase in income from life insurance activity, the bank's equity investments, corporate finance activity and sales of savings and insurance products,' says Rune Bjerke. Write-downs on loans and guarantees came to NOK 140 million in the second quarter of 2007. Net non- performing and impaired commitments represented 0.44 per cent of net lending at end-June 2007, down from 0.60 per cent a year earlier. In July 2007, DnB NOR entered into an agreement to sell its premises at Aker Brygge as part of plans to sell all of the Group's bank buildings. The gain of NOK 860 million will be recorded as income in the third quarter of 2007. DnB NOR Boligkreditt completed its first issues of covered bonds in July. The bonds were assigned an AAA rating. Press release, second quarter report, presentation and Supplementary Information for Investors and Analysts can be found on www.newsweb.no

Strong rise in profits in DnB NOR DnB NOR recorded pre-tax operating profits before write-downs of NOK 4.0 billion in the second quarter of 2007, an increase of 19.5 per cent compared with the corresponding period in 2006. Complete statement and attachments on www.newsweb.no DnB NOR recorded pre-tax operating profits before write-downs of NOK 4.0 billion in the second quarter of 2007, an increase of 19.5 per cent compared with the corresponding period in 2006. Financial highlights: · Pre-tax operating profits before write-downs were NOK 4.0 billion (3.4) · Profit for the period was NOK 3.4 billion (2.9) · Expenses represented 49.1 per cent of income (50.7) · Return on equity was 20.4 per cent (19.2) · Earnings per share came to NOK 2.50 (2.11) · The core capital ratio, including 50 per cent of interim profits, was 7.4 per cent (6.9) (Figures for the corresponding period in 2006 in parentheses.) 'We are experiencing a strong development in all markets, both in Norway and internationally. There is a greater increase in income than in expenses both at home and abroad, and the level of write- downs and non-performing commitments remains low. After a period of narrowing spreads, pressure now seems to be easing,' says Rune Bjerke, group chief executive. There was a rise of 15.7 per cent in total group income compared with the second quarter of 2006. The rise in costs reflects higher wage and pension costs and greater investments in product development and international start-ups. The cost/income ratio was reduced from 50.7 to 49.1 per cent. In operations located in Norway, the cost/income ratio was brought down to 47.8 per cent. In late 2006, DnB NOR acquired the Polish BISE Bank through its partially owned subsidiary DnB NORD. A concession for the purchase was granted in April 2007, and DnB NORD now holds 91.9 per cent of the shares in BISE Bank. In June 2007, DnB NOR entered into an agreement to purchase the Swedish real estate brokerage chain Svensk Fastighetsförmedling AB, making the real estate brokerage operations of DnB NOR the most extensive in the Nordic region. Operations outside Norway accounted for 13 per cent of total group income in the second quarter of 2007, compared with just under 10 per cent a year earlier. 'There is profitable growth in international operations,' emphasises Bjerke. Average lending increased by NOK 122 billion or 16.6 per cent from the second quarter of 2006. The rise mainly represented well-secured housing loans and corporate customer loans with relatively low risk. Lending spreads contracted by 0.26 percentage points compared with the year-earlier period, while deposit spreads expanded by 0.21 per cent. Higher volumes contributed to a NOK 438 million rise in net interest income. Other income also showed a strong increase during the twelve-month period. Other operating income rose by NOK 643 million, totalling NOK 3.7 billion in the second quarter. 'We have achieved a significant increase in income from life insurance activity, the bank's equity investments, corporate finance activity and sales of savings and insurance products,' says Rune Bjerke. Write-downs on loans and guarantees came to NOK 140 million in the second quarter of 2007. Net non- performing and impaired commitments represented 0.44 per cent of net lending at end-June 2007, down from 0.60 per cent a year earlier. In July 2007, DnB NOR entered into an agreement to sell its premises at Aker Brygge as part of plans to sell all of the Group's bank buildings. The gain of NOK 860 million will be recorded as income in the third quarter of 2007. DnB NOR Boligkreditt completed its first issues of covered bonds in July. The bonds were assigned an AAA rating. Press release, second quarter report, presentation and Supplementary Information for Investors and Analysts can be found on www.newsweb.no http://www.newsweb.no/index.jsp?messageId=157095

DnB NOR has presented an offer to acquire all shares in SalusAnsvar. SalusAnsvar distributes financial products to members of Swedish professional organisations. The company has 200 employees and around 540 000 customers and is listed on the Stockholm stock exchange. Complete statement on www.newsweb.no DnB NOR has presented an offer to acquire all shares in SalusAnsvar. SalusAnsvar distributes financial products to members of Swedish professional organisations. The company has 200 employees and around 540 000 customers and is listed on the Stockholm stock exchange. · DnB NOR offers SEK 35 per share of both series A and series B in SalusAnsvar, which represents a bid premium of around 57 per cent. · The total value of the offer is approximately SEK 749 million. · SalusAnsvar's Board of Directors recommends the company's shareholders to accept the offer. · Three of the largest owners, the Swedish Medical Association, Roppongi, a mutual non-life insurance company in liquidation, and Praktikerinvest AB, have undertaken to accept DnB NOR's offer subject to certain conditions. E. Öhman J:or AB is positive to the offer. SalusAnsvar is an independent distributor of life and pension insurance, non-life insurance and bank products to members of professional organisations and trade unions. The company also offers financial advisory services as well as job and career agency services. 'Sweden is an important market for us where we wish to expand and strengthen our presence. The acquisition of SalusAnsvar will give DnB NOR access to a well-established distribution network and a large customer base in Sweden for the sale of products and solutions to retail customers based on their membership in professional organisations,' says group executive vice president Åsmund Skår in DnB NOR. SalusAnsvar cooperates with a total of 64 organisations with just over 1.9 million members. The company has around 540 000 customers and approximately 200 employees and is listed on the OMX Nordic Exchange (Small Cap). Revenues totalled just over SEK 200 million in 2006, with pre-tax profits of SEK 58 million. 'SalusAnsvar's position in the Swedish professional organisation market may be strengthened through DnB NOR's involvement. SalusAnsvar may also represent an incentive for DnB NOR's Norwegian operations,' says Peter H Carlsson, managing director in DnB NOR Bank Sweden. DnB NOR's offer of SEK 35 per share of both series A and series B represents a bid premium of around 57 per cent relative to the closing price of SalusAnsvar's B shares on 17 August 2007, and a premium of around 48 per cent based on the average closing price for SalusAnsvar's B shares over the last 30 trading days. The A-shares are not listed. SalusAnsvar's Board of Directors recommends the company's shareholders to accept the bid. Three of the largest owners, the Swedish Medical Association, Roppongi, a mutual non-life insurance company in liquidation, and Praktikerinvest AB, holding a total of 27.2 per cent of the shares and representing 51.0 per cent of the votes in SalusAnsvar, have undertaken to accept DnB NOR's bid subject to certain conditions. E. Öhman J:or, with 11.0 per cent of the capital and 29.3 per cent of the votes, is positive towards the offer. The bid is conditional on, among other things, DnB NOR acquiring more than 90 per cent of the shares. The period of acceptance is expected to be from 17 September 2007 to 12 October 2007, both dates inclusive. DnB NOR is one of the leading participants in the Nordic financial market. The bid for SalusAnsvar is part of DnB NOR's strategy for development and growth in the Swedish retail market. Earlier this year, DnB NOR purchased the Swedish real estate brokerage chain Svensk Fastighetsförmedling and SEB's vendor-based car financing operations. The complete terms and conditions for the offer can be found on the following pages, which represent an integral part of this press release, and in the prospectus which will be sent to SalusAnsvar's shareholders. DnB NOR website: www.dnbnor.com SalusAnsvar website: www.salusansvar.se This press release has not been and must not, directly or indirectly, be distributed or made public in the USA, Australia, Canada, Japan or South Africa. The Offer is not being made to persons in those jurisdictions or elsewhere where their participation requires further offer documents, filings or other measures in addition to those required by Swedish law.

DnB NOR has presented an offer to acquire all shares in SalusAnsvar. SalusAnsvar distributes financial products to members of Swedish professional organisations. The company has 200 employees and around 540 000 customers and is listed on the Stockholm stock exchange. Complete statement on www.newsweb.no DnB NOR has presented an offer to acquire all shares in SalusAnsvar. SalusAnsvar distributes financial products to members of Swedish professional organisations. The company has 200 employees and around 540 000 customers and is listed on the Stockholm stock exchange. · DnB NOR offers SEK 35 per share of both series A and series B in SalusAnsvar, which represents a bid premium of around 57 per cent. · The total value of the offer is approximately SEK 749 million. · SalusAnsvar's Board of Directors recommends the company's shareholders to accept the offer. · Three of the largest owners, the Swedish Medical Association, Roppongi, a mutual non-life insurance company in liquidation, and Praktikerinvest AB, have undertaken to accept DnB NOR's offer subject to certain conditions. E. Öhman J:or AB is positive to the offer. SalusAnsvar is an independent distributor of life and pension insurance, non-life insurance and bank products to members of professional organisations and trade unions. The company also offers financial advisory services as well as job and career agency services. 'Sweden is an important market for us where we wish to expand and strengthen our presence. The acquisition of SalusAnsvar will give DnB NOR access to a well-established distribution network and a large customer base in Sweden for the sale of products and solutions to retail customers based on their membership in professional organisations,' says group executive vice president Åsmund Skår in DnB NOR. SalusAnsvar cooperates with a total of 64 organisations with just over 1.9 million members. The company has around 540 000 customers and approximately 200 employees and is listed on the OMX Nordic Exchange (Small Cap). Revenues totalled just over SEK 200 million in 2006, with pre-tax profits of SEK 58 million. 'SalusAnsvar's position in the Swedish professional organisation market may be strengthened through DnB NOR's involvement. SalusAnsvar may also represent an incentive for DnB NOR's Norwegian operations,' says Peter H Carlsson, managing director in DnB NOR Bank Sweden. DnB NOR's offer of SEK 35 per share of both series A and series B represents a bid premium of around 57 per cent relative to the closing price of SalusAnsvar's B shares on 17 August 2007, and a premium of around 48 per cent based on the average closing price for SalusAnsvar's B shares over the last 30 trading days. The A-shares are not listed. SalusAnsvar's Board of Directors recommends the company's shareholders to accept the bid. Three of the largest owners, the Swedish Medical Association, Roppongi, a mutual non-life insurance company in liquidation, and Praktikerinvest AB, holding a total of 27.2 per cent of the shares and representing 51.0 per cent of the votes in SalusAnsvar, have undertaken to accept DnB NOR's bid subject to certain conditions. E. Öhman J:or, with 11.0 per cent of the capital and 29.3 per cent of the votes, is positive towards the offer. The bid is conditional on, among other things, DnB NOR acquiring more than 90 per cent of the shares. The period of acceptance is expected to be from 17 September 2007 to 12 October 2007, both dates inclusive. DnB NOR is one of the leading participants in the Nordic financial market. The bid for SalusAnsvar is part of DnB NOR's strategy for development and growth in the Swedish retail market. Earlier this year, DnB NOR purchased the Swedish real estate brokerage chain Svensk Fastighetsförmedling and SEB's vendor-based car financing operations. The complete terms and conditions for the offer can be found on the following pages, which represent an integral part of this press release, and in the prospectus which will be sent to SalusAnsvar's shareholders. DnB NOR website: www.dnbnor.com SalusAnsvar website: www.salusansvar.se This press release has not been and must not, directly or indirectly, be distributed or made public in the USA, Australia, Canada, Japan or South Africa. The Offer is not being made to persons in those jurisdictions or elsewhere where their participation requires further offer documents, filings or other measures in addition to those required by Swedish law.