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Quarterly Presentation SRBNK Q4 2020

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• 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 SR-Bank a finance group for the Åsane Bergen Sotra South of Norway Fana +1% Nydalen Oslo 134 134 Ensjø 132 Husnes Stord Ølen +20% Aksdal 35 32 Haugesund 29 Kopervik +19% Åkra +43% Finnøy 21 22 20 Jørpeland 18 18 Randaberg 15 Stavanger* +3% Sola Sandnes Ålgård 7 8 7 Bryne Varhaug Egersund Grimstad Rogaland Vestland Agder Oslo and Viken Other Flekkefjord (Lending volume in NOK billion ) Dec.18 Dec.19 Dec.20 Kristiansand Lyngdal Farsund Mandal *Included in Stavanger is office; 3 Domkirkeplassen, Hundvåg, Madla and Mariero A stronger quarterly result, with higher income and lower impairment losses Result 4. quarter 2020 Result 2020 9.7% 6.4% 3.7% Return on equity after tax Return on equity after tax 12 months lending growth Pre-tax profit NOK 705 million Pre-tax profit NOK 1.821 million Of which retail market 6.3% and corporate market (incl. capital marked) -0.7% NOK 270 million 18.3%* 14.6% Impairments on gross lending and financial Common equity tier 1 capital ratio 12 months deposit growth commitments Of which retail market 9.6% and corporate market Equivalent 0.49% of gross lending and (incl. capital marked) 19.9% financial commitments (annualized) -3.7% NOK 5.50* 12 months costs growth per share in dividend for the financial year 2019 Cost to income ratio is 38.3% A dividend of up to NOK 3.10 per share is proposed for the 2020 financial year *On 23 April 2020, the annual general meeting approved the board’s proposal that no dividend be paid out for 2019. At the same meeting, the board was authorised to make a decision concerning the distribution, at some later point in time, of a dividend of up to NOK 5.50 per share based on the bank’s approved annual financial statements for 2019. The board has exercised this authority and approved payment of a dividend of NOK 5.50 per share for the financial year 2019. The Common Equity Tier 1 capital ratio of 18.3% for 2020 takes account of the dividend for the 2019 financial year. As 4 far as the dividend for 2020 is concerned, the board will ask the annual general meeting for authorisation to approve payment of this dividend at a later date too, according to applicable regulations. Key figures 2020 and financial targets for 2021 Return on equity CET 1* Impairment losses NOK 17.0% 18.3% 16.7% 2.030 million 14.0% 11.0% NOK 6.4% NOK 500 - 800 million 235 million 2019 2020 Target 2021 2019 2020 Target 2021 2019 2020 Estimate 2021 Growth in costs (12 months) Growth in loans (12 months) Dividend share* 11.2% 45.0% 49.8% 50.0% < 5.0% 5.0% - 7.0% 4.9% 3.7% 2019 Authorisation Estimate 2021 -3.7% 2019 2020 Estimate 2021 2020 2019 2020 Target 2021 *On 23 April 2020, the annual general meeting approved the board’s proposal that no dividend be paid out for 2019. At the same meeting, the board was authorised to make a decision concerning the distribution, at some later point in time, of a dividend of up to NOK 5.50 per share based on the bank’s approved annual financial statements for 2019. The board has exercised this authority and approved payment of a dividend of NOK 5.50 per share for the financial year 2019. The Common Equity Tier 1 capital ratio of 18.3% for 2020 takes account of the dividend for the 2019 financial year. As far as the dividend for 2020 is concerned, the board will ask the annual general meeting for authorisation to approve payment of this dividend at a later date too, according to applicable regulations. The Common 5 Equity Tier 1 capital ratio as at the end of the fourth quarter of 2019 has not been restated following a decision in the first quarter of 2020 to temporarily withhold the dividend for 2019 Key figures – quarterly development Return on equity CET 1* 17.0% 17.7% 18.3% 18.5% 18.3% 8.3% 8.2% 9.7% 3.4% 4.0% Q4 19 Q1 20 Q2 20 Q3 20 Q4 20 Q4 19 Q1 20 Q2 20 Q3 20 Q4 20 Cost to income ratio Earnings per share 47.0% 2.38 42.3% 39.2% 34.2% 38.0% 1.90 1.97 0.86 1.00 Q4 19 Q1 20 Q2 20 Q3 20 Q4 20 Q4 19 Q1 20 Q2 20 Q3 20 Q4 20 *On 23 April 2020, the annual general meeting approved the board’s proposal that no dividend be paid out for 2019. At the same meeting, the board was authorised to make a decision concerning the distribution, at some later point in time, of a dividend of up to NOK 5.50 per share based on the bank’s approved annual financial statements for 2019. The board has exercised this authority and approved payment of a dividend of NOK 5.50 per share for the financial year 2019. The Common Equity Tier 1 capital ratio of 18.3% for 2020 takes account of the dividend for the 2019 financial year. As far as the dividend for 2020 is concerned, the board will ask the annual general meeting for authorisation to approve payment of this dividend at a later date too, according to applicable regulations. The Common Equity Tier 1 capital ratio as at the end of the fourth quarter of 2019 has not been restated following a decision in the first quarter of 2020 to temporarily withhold the dividend for 2019 6 Key figures – annual development Return on equity CET 1* 14.0% 17.0% 18.3% 11.3% 14.7% 6.4% 2018 2019 2020 2018 2019 2020 Cost to income ratio Earnings per share 40.9% 37.9% 38.3% 12.22 8.98 6.22 2018 2019 2020 2018 2019 2020 *On 23 April 2020, the annual general meeting approved the board’s proposal that no dividend be paid out for 2019. At the same meeting, the board was authorised to make a decision concerning the distribution, at some later point in time, of a dividend of up to NOK 5.50 per share based on the bank’s approved annual financial statements for 2019 The board has exercised this authority and approved payment of a dividend of NOK 5.50 per share for the financial year 2019. The Common Equity Tier 1 capital ratio of 18.3% for 2020 takes account of the dividend for the 2019 financial year. As far as the dividend for 2020 is concerned, the board will ask the annual general meeting for authorisation to approve payment of this dividend at a later date too, according to applicable regulations. 7 The Common Equity Tier 1 capital ratio as at the end of the fourth quarter of 2019 has not been restated following a decision in the first quarter of 2020 to temporarily withhold the dividend for 2019 Income statement Group Income Statement (MNOK) 31.12.2020 31.12.2019 Q4 2020 Q3 2020 Q2 2020 Q1 2020 Q4 2019 Net interest income 4.142 3.987 994 1.041 1.026 1.081 1.062 Net commission and other income 1.396 1.416 370 336 344 346 359 Net income on investment securities 699 1.127 240 190 297 -28 22 Total income 6.237 6.530 1.604 1.567 1.667 1.399 1.443 Total operating expenses 2.386 2.478 629 595 570 592 678 Operating profit before impairments 3.851 4.052 975 972 1.097 807 765 Impairments on loans and financial commitments 2.030 235 270 369 831 560 139 Operating profit before tax 1.821 3.817 705 603 266 247 626 Tax expense 231 693 97 98 10 26 141 Net profit after tax 1.590 3.124 608 505 256 221 485 8 Change in profit 31.12.2019 – 31.12.2020 136 3.817 -1 92 -428 1.821 -1.795 31.12.2019 Net interest income Other income Net income on Total operating expenses Impairments on loans and 31.12.2020 incl. commission from investment securities financial commitments covered bond company 9 Operating profit before losses and excl. income on investment securities (Rolling 12-month figures) +227 (7.8%) 3,160 3,152 3,124 3,064 3,114 2,925 2,199 1,555 1,590 1,467 Q4 19 Q1 20 Q2 20 Q3 20 Q4 20 Operating profit before losses and excl.
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