Financial highlights

Second quarter 2008
· Pre-tax operating profits before write-downs were NOK 4.6 billion (4.1)
· Profit for the period was NOK 3.4 billion (3.4)
· Return on equity was 18.1 per cent (20.4)
· Earnings per share were NOK 2.47 (2.50)
· The cost/income ratio was 49.0 per cent (49.1)
· The core capital ratio, including 50 per cent of interim profits, was 6.9 per cent (7.4)

First half 2008
· Pre-tax operating profits before write-downs were NOK 6.1 billion (7.8)
· Profit for the period was NOK 4.5 billion (6.3)
· Return on equity was 11.8 per cent (18.8)
· Earnings per share were NOK 3.27 (4.60)
· The cost/income ratio was 58.7 per cent (49.4)
· The core capital ratio, including 50 per cent of interim profits, was 6.9 per cent (7.4)

DnB NOR Boligkreditt AS

Update Q3, 2008

Supplementary Information for Investors and Analysts
2008 Third Quarter Results

DnB NOR Bank ASA

Financial highlights

Third quarter 2008
· Pre-tax operating profits before write-downs were NOK 4.4 billion (3.7)
· Profit for the period was NOK 2.8 billion (3.7)
· Return on equity was 15.5 per cent (21.8)
· Earnings per share were NOK 2.12 (2.72)
· The cost/income ratio was 50.6 per cent (51.3)
· The core capital ratio, including 50 per cent of interim profits, was 6.7 per cent (7.2)

January through September 2008
· Pre-tax operating profits before write-downs were NOK 10.5 billion (11.5)
· Profit for the period was NOK 7.3 billion (9.9)
· Return on equity was 13.0 per cent (19.8)
· Earnings per share were NOK 5.39 (7.32)
· The cost/income ratio was 55.6 per cent (50.1)

Bjørn Sund, board member in DnB NOR, has 14.11..2008 through his 100% owned company, Bjørn Sund Invest AS, org.nr. 989124137, bought 10 000 shares in DnBNor at a share price of NOK 29,90. After this transaction Bjørn Sund Invest owns 25524 shares in DnBNor ASA.

Sverre Finstad, 'assist member off the board in DnB NOR' bought 2200 shares in DnB NOR ASA at a price of NOK 21,40 After this transaction Sverre Finstad ovns 5778 shares in DnB NOR ASA