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Loan Portfolio As at 31.12.2019

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Loan Portfolio As at 31.12.2019 • Disclaimer This presentation contains forward-looking statements that reflect management’s current views with respect to certain future events and potential financial performance. Although SpareBank 1 SR-Bank believes that the expectations reflected in such forward-looking statements are reasonable, no assurance can be given that such expectations will prove to have been correct. Accordingly, results could differ materially from those set out in the forward-looking statements as a result of various factors. Important factors that may cause such a difference for SpareBank 1 SR-Bank include, but are not limited to: (i) the macroeconomic development, (ii) change in the competitive climate, (iii) change in the regulatory environment and other government actions and (iv) change in interest rate and foreign exchange rate levels. This presentation does not imply that SpareBank 1 SR- Bank has undertaken to revise these forward-looking statements, beyond what is required by applicable law or applicable stock exchange regulations if and when circumstances arise that will lead to changes compared to the date when these statements were provided. 2 Digitalization and growth makes us a finance group for the South of Norway Åsane Bergen Sotra Fana +4% Oslo 134 132 Husnes Stord 128 Ølen Aksdal +19% Haugesund 32 Karmsund 29 Kopervik 27 Åkra Finnøy +20% +79% 20 Jørpeland 18 18 Randaberg 16 15 Stavanger Sola +37% Sandnes 10 Ålgård 7 8 Bryne 6 Nærbø Varhaug Egersund Grimstad Rogaland Vestland Agder Oslo and Viken Other Flekkefjord (Lending volume in NOK billion ) Dec-17 Dec-18 Dec-19 Kristiansand Lyngdal Farsund Mandal Based on the new structure of counties in Norway from 1 January 2020. 3 A good annual result characterised by solid underlying operations, one- off income and a high level of activity 14.0% 37.9% Return on equity after tax 2019 (11.3%) Cost to income 2019 (40,9%) 12.1% excluding merger effect Fremtind Forsikring AS 40.8% excluding merger effect Fremtind Forsikring AS Pre-tax profit is NOK 3.817 million (NOK 2.892 million) 8.3% 4.9% Return on equity after tax for the quarter (10.1%) 12 months lending growth Pre-tax profit is NOK 626 million (NOK 676 million) Of which retail market 4.8% and corporate market 5.2% 0.11% 17.0% Impairments on gross lending incl. covered bond companies 2019 Common equity tier 1 capital ratio (14.7%*) (0.16%) Impairments on loans and financial commitments is NOK 235 million (NOK 324 million) 5.50 per share Proposed dividend Dividend share 45% Percentage and amount in parentheses represents the same period last year. *Based on the capital adequacy rules and regulations as at 31 December 2018, when the so-called Basel I floor applied. 4 Key figures 2019 and financial targets for 2020 Return on equity CET 1 Impairment losses 14,0% 17,0%** 16,7% NOK 324 million 12,0%* 14,7% 11,3% NOK 235 million 12,1%* 2018 2019 Target 2020 2018 2019 Target 2020 2018 2019 Growth in cost Growth in loan Dividend share 11,2% 7,6% 5,0% - 7,0% 45% ~ 50% 4,9% < 4,0% 2,9% 2018 2019 Target 2020 2018 2019 Target 2020 2019 Estimate 2020 *Excluding merger effect Fremtind Forsikring AS. **The EU’s capital adequacy regulations (CRR/CRD IV) came into force on 31 December 2019. These entail, among other things, a reduction in the capital requirements for loans to small and medium- 5 sized enterprises (SME) and the elimination of the so-called Basel I floor. Key figures – quarterly development Return on equity CET 1 21,2% 16,2% 17,0%** 14,7% 14,7% 14,4% 14,4% 10,1% 10,5% 8,3% 12,8%* Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Cost ratio Earnings per share 42,9% 42,7% 47,0% 4,48 39,0%* 35,6% 3,52 2,32 2,06 1,90 29,8% 2,68* Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 *Excluding merger effect Fremtind Forsikring AS. ** The EU’s capital adequacy regulations (CRR/CRD IV) came into force on 31 December 2019. These entail, among other things, a reduction in the capital requirements for loans to small and medium- 6 sized enterprises (SME) and the elimination of the so-called Basel I floor. Key Figures – annual development Return on equity CET 1 14,0% 17,0% 15,1% 14,7% 11,0% 11,3% 12,1%* 2017 2018 2019 2017 2018 2019 Cost ratio Earnings per share 12,22 40,7% 40,9% 40,8%* 8,16 8,98 37,9% 2017 2018 2019 2017 2018 2019 *Excluding merger effect Fremtind Forsikring AS. ** The EU’s capital adequacy regulations (CRR/CRD IV) came into force on 31 December 2019. These entail, among other things, a reduction in the capital requirements for loans to small and 7 medium-sized enterprises (SME) and the elimination of the so-called Basel I floor. Income statement Group Income Statement (MNOK) 31.12.2019 31.12.2018 Q4 2019 Q3 2019 Q2 2019 Q1 2019 Q4 2018 Net interest income 3.987 3.439 1.062 1.019 968 938 926 Net commission and other income 1.416 1.437 359 332 384 341 350 Net income on investment securities 1.127 569 22 89 340 676 68 Total income 6.530 5.445 1.443 1.440 1.692 1.955 1.344 Total operating expenses 2.478 2.229 678 615 602 583 576 Operating profit before impairments 4.052 3.216 765 825 1.090 1.372 768 Impairments on loans and financial commitments 235 324 139 66 -19 49 92 Operating profit before tax 3.817 2.892 626 759 1.109 1.323 676 Tax expense 693 596 141 166 209 177 149 Net profit 3.124 2.296 485 593 900 1.146 527 8 Change in profit 31.12.2018 – 31.12.2019 558 89 3.817 -249 493 34 2.892 31.12.2018 Net interest income incl. Other income Net income on Total operating expenses Impairments on loans and 31.12.2019 commission from investment securities financial commitments covered bond companies 9 Key figures 31.12.2019 31.12.2018 Q4 19 Q3 19 Q2 19 Q1 19 Q4 18 Return on equity after tax (%) 14,0 11,3 8,3 10,5 16,2 21,2 10,1 Net interest margin (%) 1,61 1,54 1,64 1,61 1,58 1,60 1,59 Impairments on loans in % of gross loans incl. covered bond 0,11 0,17 0,26 0,13 -0,04 0,10 0,18 companies Loans and financial commitments in Stage 3 in % of gross loans 1,53 1,46 1,53 1,55 1,43 1,40 1,46 incl. covered bond companies Cost to Income ratio 37,9 40,9 47,0 42,7 35,6 29,8 42,9 Annual growth in loans to customers, gross 4,9 7,6 4,9 6,8 7,3 8,7 7,6 incl. covered bond companies (%) Annual growth in deposit from customers (%) 4,3 3,6 4,3 1,9 -3,0 -0,6 3,6 Total assets (BNOK) 255,9 234,1 255,9 251,6 246,5 241,9 234,1 Portfolio of loans in covered bond companies (BNOK) 4,2 9,3 4,2 6,3 8,9 9,0 9,3 Risk weighted assets (BNOK)* 121,7 130,9 121,7 141,7 139,5 134,7 130,9 Liquidity Coverage Ratio (LCR) (%) 155 167 155 153 154 172 167 Earnings per share (NOK) 12,22 8,98 1,90 2,32 3,52 4,48 2,06 Book value per share (NOK) 89,90 82,27 89,90 87,60 85,44 86,55 82,27 *The EU’s capital adequacy regulations (CRR/CRD IV) came into force on 31 December 2019 and resulted in a ‘fracture’ in the historical RWA figures. 10 Consolidated income and cost profile Income profile Cost profile Net interest income* Total personnel expenses Net commission and other income +527 Total other operating expenses +249 5.403 2.478 4.876 2.229 1.421 1.352 1.351 1.382 1.276 1.279 678 1.006 353 1.349 323 602 615 932 334 333 373 576 583 282 240 246 239 245 4.021 1.028 1.068 3.527 942 946 979 1.297 1.472 396 330 344 357 375 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 31.12.2018 31.12.2019 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 31.12.2018 31.12.2019 *Income profile consists of net interest income, incl. commission income from covered bond companies, and net commission and other income excl. financial income. 11 Lending and deposit margins Lending margins* Deposit margins 2,85% 2,81% 2,78% 2,74% 2,73% 2,72% 2,77% 2,77% 2,73% 0,63% 0,53% 1,79% 0,41% 1,69% 1,50% 1,51% 1,50% 0,30% 0,24% 0,24% 1,40% 1,36% 1,36% 1,32% 0,22% 0,14% 0,08% 0,04% 0,03% -0,01% -0,05% -0,09% -0,06% 0,05% -0,15% -0,18% Q4 17 Q1 18 Q2 18 Q3 18 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Q4 17 Q1 18 Q2 18 Q3 18 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Corporate market Retail market Corporate market Retail market Definition: Average customer interest rate against 3-month moving average for 3-month NIBOR.
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