Finanstilsynet's decisions on Pillar 2 requirements for individual banks
Published: 13 June 2023
Last updated: 20 December 2024
The table below shows Finanstilsynet's decisions on Pillar 2 requirements, as well as its expectations regarding the individual banks’ Pillar 2 guidance, and the dates of entry into force.
Decisions on Pillar 2 requirements
| Name of bank | Date of Finanstilsynet's publication of Pillar 2 requirement | Date of entry into force of Pillar 2 requirement | Pillar 2 requirement in per cent of risk-weighted assets | Pillar 2 requirement to be covered by CET1 capital | Temporary Pillar 2 requirements | Finanstilsynet's expectation regarding Pillar 2 guidance | Pillar 2 Guidance Leverage Ratio |
|---|---|---|---|---|---|---|---|
| Nordea Finance Equipment AS | 20.12.2024 | 01.01.2025 | 2,0 | 1,13 | 1,00 | ||
| Nordea Finans Norge AS | 20.12.2024 | 01.01.2025 | 1,6 | 0,90 | 1,00 | ||
| Nordea Eiendomskreditt AS | 20.12.2024 | 01.01.2025 | 1,1 | 0,62 | 1,50 | ||
| Santander Consumer Bank AS | 20.12.2024 | 01.01.2025 | 1,9 | 1,07 | 0,2 | 1,00 | |
| Boligbanken ASA | 20.12.2024 | 31.12.2024 | 2,4 | 1,35 | 1,00 | ||
| Trøgstad Sparebank | 20.12.2024 | 31.12.2024 | 2,5 | 1,41 | 1,50 | ||
| Strømmen Sparebank | 20.12.2024 | 31.12.2024 | 2,9 | 1,63 | 1,50 | ||
| Drangedal Sparebank | 17.12.2024 | 31.12.2024 | 2,0 | 1,13 | 1,25 | ||
| Valle Sparebank | 17.12.2024 | 31.12.2024 | 1,6 | 0,90 | 1,50 | ||
| Birkenes Sparebank | 17.12.2024 | 31.12.2024 | 1,9 | 1,07 | 1,50 | ||
| Lillesands Sparebank | 17.12.2024 | 31.12.2024 | 2,5 | 1,41 | 1,50 | ||
| Grong Sparebank | 17.12.2024 | 31.12.2024 | 1,9 | 1,07 | 1,00 | ||
| Sparebank 68 Grader Nord | 17.12.2024 | 31.12.2024 | 2,3 | 1,29 | 1,25 | ||
| Valdres Sparebank | 17.12.2024 | 31.12.2024 | 2,3 | 1,29 | 1,50 | ||
| Gildeskål Sparebank | 17.12.2024 | 31.12.2024 | 2,8 | 1,58 | 1,00 | ||
| Berg Sparebank | 10.12.2024 | 31.12.2024 | 2,0 | 1,13 | 1,50 | ||
| Rindal Sparebank | 10.12.2024 | 31.12.2024 | 2,0 | 1,13 | 1,50 | ||
| Luster Sparebank | 10.12.2024 | 31.12.2024 | 2,1 | 1,18 | 1,50 | ||
| Opdals Sparebank | 10.12.2024 | 31.12.2024 | 2,0 | 1,13 | 1,50 | ||
| Melhus Sparebank | 10.12.2024 | 31.12.2024 | 2,3 | 1,29 | 1,50 | ||
| Høland og Setskog Sparebank | 10.12.2024 | 31.12.2024 | 3,0 | 1,69 | 1,50 | ||
| Romerike Sparebank | 10.12.2024 | 31.12.2024 | 2,8 | 1,58 | 1.50 | ||
| Kommunalbanken AS | 27.11.2024 | 31.12.2024 | 1,7 | 0,96 | 1,50 | 0,60 | |
| DNB Bank ASA | 08.11.2024 | 31.12.2024 | 1,7 | 0,96 | 1,25 | ||
| Sparebank 1 Sør-Norge ASA | 08.11.2024 | 01.10.2024 | 1,9 | 1,07 | 0,5 | 1,25 | |
| Skue Sparebank | 20.09.2024 | 01.08.2024 | 2,6 | 1,46 | 1,25 | ||
| Rogaland Sparebank | 30.08.2024 | 01.08.2024 | 2,3 | 1,29 | 1,50 | ||
| Instabank ASA | 29.05.2024 | 30.06.2024 | 4,8 | 4,80 | 2,00 | ||
| Lea Bank ASA | 29.05.2024 | 30.06.2024 | 5,1 | 5,10 | 2,00 | ||
| Morrow Bank ASA | 29.05.2024 | 30.06.2024 | 5,4 | 5,40 | 2,00 | ||
| Aprila Bank ASA | 06.05.2024 | 31.05.2024 | 5,4 | 5,40 | 1,50 | ||
| Sparebanken Sør | 06.05.2024 | 31.05.2024 | 1,6 | 0,90 | 1,00 | ||
| Ørland Sparebank | 23.04.2024 | 30.04.2024 | 3,5 | 1,97 | 1,50 | ||
| Kraft Bank ASA | 08.04.2024 | 02.04.2024 | 4,7 | 4,70 | 1,50 | ||
| BN Bank ASA | 22.03.2024 | 31.03.2024 | 3,1 | 1,74 | 1,25 | ||
| Sparebanken Sogn og Fjordane | 22.03.2024 | 30.04.2024 | 1,8 | 1,01 | 1,00 | ||
| KLP Banken AS | 22.03.2024 | 31.03.2024 | 1,1 | 0,62 | 1,00 | ||
| Agder Sparebank | 13.03.2024 | 31.03.2024 | 1,9 | 1,07 | 1,50 | ||
| Bien Sparebank | 13.03.2024 | 29.02.2024 | 2,1 | 1,18 | 1,25 | ||
| Skagerrak Sparebank | 20.02.2024 | 01.02.2024 | 2,9 | 1,63 | 1,50 | ||
| Ørskog Sparebank | 13.02.2024 | 31.03.2024 | 2,1 | 1,18 | 1,50 | ||
| Flekkefjord Sparebank | 13.02.2024 | 31.03.2024 | 2,9 | 1,63 | 1,50 | ||
| Evje og Hornes Sparebank | 13.02.2024 | 31.03.2024 | 2,3 | 1,29 | 1,50 | ||
| Sparebanken Narvik | 13.02.2024 | 29.02.2024 | 1,8 | 1,01 | 1,25 | ||
| Kommunalbanken AS | 15.01.2024 | 31.12.2023 | 2,0 | 1,10 | 1,50 | ||
| Cultura Sparebank | 04.01.2024 | 31.12.2023 | 4,8 | 2,70 | 1,50 | ||
| Sparebanken Vest | 14.12.2023 | 31.12.2023 | 1,5 | 0,80 | 1,25 | ||
| SpareBank 1 Nord-Norge | 14.12.2023 | 31.12.2023 | 1,4 | 0,80 | 1,00 | ||
| SpareBank 1 SR-Bank | 14.12.2023 | 31.12.2023 | 1,6 | 0,90 | 0,5 | 1,25 | |
| SpareBank 1 SMN | 14.12.2023 | 31.12.2023 | 1,7 | 1,00 | 0,7 | 1,25 | |
| Sparebanken Møre | 14.12.2023 | 31.12.2023 | 1,6 | 0,90 | 1,25 | ||
| Santander Consumer Bank AS | 11.12.2023 | 01.01.2024 | 2,2 | 1,24 | 0,2 | 1,50 | |
| Sparebank 1 Østlandet AS | 11.12.2023 | 31.12.2023 | 1,9 | 1,10 | 1,00 | ||
| Nordea Finans Norge AS | 06.12.2023 | 01.01.2024 | 1,9 | 1,07 | 1,00 | ||
| Nordea Finance Equipment AS | 06.12.2023 | 01.01.2024 | 2,0 | 1,13 | 1,00 | ||
| Nordea Eiendomskreditt AS | 06.12.2023 | 01.01.2024 | 1,4 | 0,79 | 1,50 | ||
| DNB Bank ASA | 05.12.2023 | 31.12.2023 | 2,0 | 1,13 | 1,25 | ||
| Nordic Corporate Bank ASA | 23.10.2023 | 30.11.2023 | 5,8 | 3,26 | 1,25 | ||
| Næringsbanken ASA | 26.09.2023 | 30.11.2023 | 6,0 | 6,00 | Temporarily | ||
| Sparebanken Øst | 21.09.2023 | 30.09.2023 | 1,1 | 0,62 | 1,00 | ||
| Brage Finans AS | 10.07.2023 | 31.08.2023 | 1,8 | 1,01 | 1,25 | ||
| Eika Gruppen AS | 10.07.2023 | 31.08.2023 | 2,3 | 1,29 | 1,00 | ||
| Tolga-Os Sparebank | 10.07.2023 | 31.08.2023 | 2,3 | 1,29 | 1,00 | ||
| Stadsbygd Sparebank | 10.07.2023 | 31.08.2023 | 2,2 | 1,24 | 1,25 | ||
| Rørosbanken Røros Sparebank | 10.07.2023 | 31.08.2023 | 2,8 | 1,58 | 1,25 | ||
| Voss Sparebank | 10.07.2023 | 31.08.2023 | 2,3 | 1,29 | 1,25 | ||
| Pareto Bank ASA | 10.07.2023 | 31.08.2023 | 3,1 | 1,74 | 1,00 | ||
| ASKIM & SPYDEBERG SPAREBANK | 03.07.2023 | 30.06.2023 | 2,7 | 1,52 | 1,00 | ||
| SPARESKILLINGSBANKEN | 03.07.2023 | 30.06.2023 | 2,5 | 1,41 | 1,25 | ||
| SOKNEDAL SPAREBANK | 22.06.2023 | 30.06.2023 | 2,6 | 1,46 | 1,50 | ||
| OSLOFJORD SPAREBANK | 22.06.2023 | 30.06.2023 | 2,8 | 1,58 | 1,00 | ||
| SPAREBANK 1 NORDMØRE | 22.06.2023 | 30.06.2023 | 2,2 | 1,24 | 1,50 | ||
| OBOS-BANKEN AS | 22.06.2023 | 30.06.2023 | 1,2 | 0,68 | 1,00 | ||
| JERNBANEPERSONALETS SPAREBANK | 22.06.2023 | 30.06.2023 | 1,7 | 0,96 | 1,00 | ||
| KOMMUNALBANKEN | 13.06.2023 | 30.04.2023 | 2,1 | 1,18 | 1,50 | ||
| ØRLAND SPAREBANK | 07.06.2023 | 01.06.2023 | 3,1 | 3,10 | Temporarily | ||
| NIDAROS SPAREBANK | 12.06.2023 | 30.06.2023 | 2,8 | 1,58 | 1,25 | ||
| BJUGN SPAREBANK | 12.06.2023 | 31.03.2023 | 2,3 | 1,29 | 1,00 | ||
| GRUE SPAREBANK | 12.06.2023 | 31.03.2023 | 2,1 | 1,18 | 1,50 | ||
| SKUDENES & AAKRA SPAREBANK | 12.06.2023 | 31.03.2023 | 1,7 | 0,96 | 1,10 | ||
| SPAREBANK 1 RINGERIKE HADELAND | 12.06.2023 | 31.03.2023 | 1,6 | 0,90 | 1,00 | ||
| SUNNDAL SPAREBANK | 12.06.2023 | 31.03.2023 | 2,5 | 1,41 | 1,25 | ||
| SØGNE & GREIPSTAD SPAREBANK | 12.06.2023 | 31.03.2023 | 2,5 | 1,41 | 1,50 | ||
| TOTENS SPAREBANK | 12.06.2023 | 31.03.2023 | 1,5 | 0,84 | 1,00 | ||
| TRØNDELAG SPAREBANK | 12.06.2023 | 24.03.2023 | 2,6 | 2,60 | |||
| FANA SPAREBANK | 12.06.2023 | 01.02.2023 | 2,1 | 1,18 | 1,00 | ||
| NORDEA FINANS NORGE AS | 23.12.2022 | 01.01.2023 | 1,8 | 1,01 | 1,00 | ||
| NORDEA EIENDOMSKREDITT AS | 23.12.2022 | 01.01.2023 | 1,5 | 0,84 | 1,25 | ||
| NORDEA FINANCE EQUIPMENT AS | 23.12.2022 | 01.01.2023 | 2,1 | 1,18 | 1,00 | ||
| SANTANDER CONSUMER BANK AS | 23.12.2022 | 01.01.2023 | 2,7 | 1,52 | 1,50 | ||
| DNB BANK ASA | 14.11.2022 | 31.12.2022 | 2,1 | 1,18 | 1,50 | ||
| ROMERIKE SPAREBANK | 12.06.2023 | 31.10.2022 | 2,8 | 2,80 | |||
| AGDER SPAREBANK | 12.06.2023 | 23.06.2022 | 2,6 | 2,60 | |||
| HJARTDAL OG GRANSHERAD SPAREBANK | 09.06.2022 | 31.05.2022 | 2,2 | 2,20 | |||
| EIDSBERG SPAREBANK | 09.06.2022 | 31.05.2022 | 2,5 | 2,50 | |||
| SKAGERRAK SPAREBANK | 09.06.2022 | 31.05.2022 | 2,7 | 2,70 | |||
| ETNEDAL SPAREBANK | 09.06.2022 | 31.05.2022 | 2,8 | 2,80 | |||
| SPAREBANK 1 LOM OG SKJÅK | 09.06.2022 | 31.05.2022 | 2,5 | 2,50 | |||
| SPAREBANKEN DIN | 19.05.2022 | 30.05.2022 | 2,0 | 2,00 | |||
| SELBU SPAREBANK | 19.05.2022 | 31.05.2022 | 2,9 | 2,90 | |||
| AASEN SPAREBANK | 19.05.2022 | 31.05.2022 | 2,6 | 2,60 | |||
| HALTDALEN SPAREBANK | 16.05.2022 | 31.05.2022 | 3,6 | 3,60 | |||
| JÆREN SPAREBANK | 04.05.2022 | 10.05.2022 | 1,9 | 1,90 | |||
| TINN SPAREBANK | 04.05.2022 | 10.05.2022 | 2,7 | 2,70 | |||
| SPAREBANK 1 GUDBRANDSDAL | 02.05.2022 | 30.04.2022 | 2,7 | 2,70 | |||
| SPAREBANKEN VEST | 02.05.2022 | 30.04.2022 | 1,5 | 1,50 | 1,25 | ||
| SPAREBANK 1 SR-BANK ASA | 02.05.2022 | 30.04.2022 | 1,6 | 1,60 | 0,5 | 1,25 | |
| SPAREBANK 1 SMN | 28.04.2022 | 30.04.2022 | 1,9 | 1,90 | 0,7 | 1,25 | |
| SPAREBANK 1 NORD-NORGE | 28.04.2022 | 30.04.2022 | 1,5 | 1,50 | 1,00 | ||
| SPAREBANKEN MØRE | 28.04.2022 | 30.04.2022 | 1,7 | 1,70 | 1,25 | ||
| SPAREBANK 1 ØSTLANDET | 28.04.2022 | 30.04.2022 | 1,8 | 1,80 | 1,00 | ||
| MARITIME & MERCHANT BANK ASA | 28.04.2022 | 30.04.2022 | 6,0 | 6,00 | |||
| SPAREBANKEN SØR | 27.04.2022 | 30.04.2022 | 1,7 | 1,70 | 1,00 | ||
| SPAREBANK 1 HELGELAND | 27.04.2022 | 30.04.2022 | 2,2 | 2,20 | |||
| VEKSELBANKEN(VOSS VEKSEL- OG LANDMANDSBANK ASA) | 27.04.2022 | 30.04.2022 | 2,0 | 2,00 | |||
| SKUE SPAREBANK | 27.04.2022 | 30.04.2022 | 2,6 | 2,60 | |||
| AURSKOG SPAREBANK | 20.04.2022 | 30.04.2022 | 2,7 | 2,70 | |||
| HEGRA SPAREBANK | 20.04.2022 | 30.04.2022 | 2,4 | 2,40 | |||
| LANDKREDITT BANK AS | 20.04.2022 | 30.04.2022 | 2,2 | 2,20 | |||
| LANDKREDITT SA | 20.04.2022 | 30.04.2022 | 2,2 | 2,20 | |||
| LARVIKBANKEN - DIN PERSONLIGE SPAREBANK | 20.04.2022 | 30.04.2022 | 2,2 | 2,20 | |||
| ODAL SPAREBANK | 20.04.2022 | 30.04.2022 | 2,8 | 2,80 | |||
| ORKLA SPAREBANK | 20.04.2022 | 30.04.2022 | 2,0 | 2,00 | |||
| SOGN SPAREBANK | 20.04.2022 | 30.04.2022 | 3,0 | 3,00 | |||
| HJELMELAND SPAREBANK | 08.04.2022 | 30.04.2022 | 2,5 | 2,50 | |||
| HAUGESUND SPAREBANK | 08.04.2022 | 30.04.2022 | 2,4 | 2,40 | |||
| KVINESDAL SPAREBANK | 06.04.2022 | 30.04.2022 | 2,6 | 2,60 | |||
| ARENDAL OG OMEGNS SPAREKASSE | 23.03.2022 | 31.03.2022 | 2,6 | 2,60 | |||
| SPAREBANK 1 SØRØST-NORGE | 12.06.2023 | 03.03.2022 | 2,5 | 2,50 | |||
| KOMMUNALBANKEN AS | 07.07.2021 | 30.09.2021 | 2,2 | 2,20 | 1,50 | ||
| SANDNES SPAREBANK | 03.03.2021 | 30.06.2020 | 2,1 | 2,10 | |||
| BOLIGBANKEN ASA | 12.06.2023 | 18.08.2021 | 4,0 | 4,00 | |||
| SPAREBANK 1 NORDMØRE | 12.06.2023 | 03.05.2021 | 2,7 | 2,70 | |||
| LEA BANK AS | 12.06.2023 | 01.10.2020 | 6,5 | 6,50 | |||
| LINDORFF CAPITAL AS | 19.06.2020 | 30.09.2020 | 3,9 | 3,90 | |||
| LOWELL FINANS AS | 19.06.2020 | 30.09.2020 | 4,0 | 4,00 | |||
| TYSNES SPAREBANK | 19.06.2020 | 30.09.2020 | 3,5 | 3,50 | |||
| OBOS-BANKEN AS | 18.06.2020 | 30.09.2020 | 2,4 | 2,40 | |||
| SPAREBANKEN ØST | 08.06.2020 | 30.09.2020 | 1,8 | 1,80 | |||
| ROMSDAL SPAREBANK | 08.06.2020 | 30.09.2020 | 2,1 | 2,10 | |||
| BN BANK ASA | 08.06.2020 | 30.06.2020 | 2,6 | 2,60 | |||
| SPAREBANK 68 GRADER NORD | 12.06.2023 | 01.07.2020 | 2,0 | 2,00 | |||
| MYBANK ASA | 05.06.2020 | 30.09.2020 | 6,6 | 6,60 | NOK 30 million (effective 31.12.2022) | ||
| HØLAND OG SETSKOG SPAREBANK | 20.05.2020 | 30.06.2020 | 3,2 | 3,20 | |||
| SPAREBANK 1 HALLINGDAL VALDRES | 03.03.2020 | 31.03.2020 | 2,3 | 2,30 | |||
| MELHUS SPAREBANK | 03.03.2020 | 31.03.2020 | 2,3 | 2,30 | |||
| GRONG SPAREBANK | 03.03.2020 | 31.03.2020 | 2,0 | 2,00 | |||
| SPAREBANKEN SOGN OG FJORDANE | 07.02.2020 | 31.03.2020 | 1,7 | 1,70 | |||
| STOREBRAND BANK ASA | 31.01.2020 | 31.03.2020 | 1,3 | 1,30 | |||
| KLP BANKEN AS | 20.12.2019 | 31.12.2019 | 1,5 | 1,50 | |||
| SG FINANS AS | 18.12.2019 | 31.12.2019 | 1,5 | 1,50 | |||
| BIEN SPAREBANK ASA | 11.12.2019 | 31.12.2019 | 2,7 | 2,70 | |||
| VOLKSWAGEN MØLLER BILFINANS AS | 15.08.2019 | 31.12.2019 | 1,6 | 1,60 | |||
| SPAREBANK 1 ØSTFOLD AKERSHUS | 04.06.2019 | 30.06.2019 | 1,7 | 1,70 | |||
| SPAREBANKEN NARVIK | 29.05.2019 | 30.06.2019 | 2,1 | 2,10 | |||
| INSTABANK ASA | 07.05.2019 | 30.06.2019 | 6,2 | 6,20 | |||
| MORROW BANK ASA | 07.05.2019 | 30.06.2019 | 6,5 | 6,50 | |||
| ANDEBU SPAREBANK | 11.03.2019 | 30.06.2019 | 2,2 | 2,20 | |||
| NORDIC CORPORATE BANK ASA | 12.06.2023 | 28.05.2019 | 6,0 | 6,00 | |||
| FLEKKEFJORD SPAREBANK | 14.01.2019 | 31.03.2019 | 2,5 | 2,50 | |||
| SOKNEDAL SPAREBANK | 21.12.2018 | 31.12.2018 | 2,9 | 2,90 | |||
| JERNBANEPERSONALETS SPAREBANK | 10.12.2018 | 31.12.2018 | 1,3 | 1,30 | |||
| BRAGE FINANS AS | 21.11.2018 | 31.03.2019 | 2,6 | 2,60 | |||
| VERD BOLIGKREDITT AS | 30.10.2018 | 31.12.2018 | 0,9 | 0,90 | |||
| NIDAROS SPAREBANK | 03.10.2018 | 31.12.2018 | 2,9 | 2,90 | |||
| EIKA GRUPPEN AS | 27.09.2018 | 31.12.2018 | 1,9 | 1,90 | |||
| SPARESKILLINGSBANKEN | 10.04.2018 | 30.06.2018 | 2,3 | 2,30 | |||
| OSLOFJORD SPAREBANK | 04.04.2018 | 30.06.2018 | 3,1 | 3,10 | |||
| KRAFT BANK ASA | 12.06.2023 | 23.05.2018 | 8,0 | 8,00 | |||
| EIENDOMSKREDITT AS | 16.02.2018 | 31.03.2018 | 1,3 | 1,30 | |||
| FOLKEFINANS AS | 31.01.2018 | 31.03.2018 | 5,6 | 5,60 | |||
| APRILA BANK ASA | 12.06.2023 | 08.03.2018 | 4,0 | 4,00 | |||
| ASKIM & SPYDEBERG SPAREBANK | 06.12.2017 | 31.12.2017 | 2,3 | 2,30 | |||
| SPAREBANK 1 BOLIGKREDITT AS | 29.11.2017 | 31.12.2017 | 0,8 | 0,80 | |||
| DRANGEDAL SPAREBANK | 28.11.2017 | 31.12.2017 | 2,2 | 2,20 | |||
| RØROSBANKEN RØROS SPAREBANK | 08.11.2017 | 31.12.2017 | 2,6 | 2,60 | |||
| PARETO BANK ASA | 23.10.2017 | 31.12.2017 | 3,2 | 3,20 | |||
| EIKA KREDITTBANK AS | 09.10.2017 | 30.11.2017 | 2,6 | 2,60 | |||
| EIKA BOLIGKREDITT AS | 04.09.2017 | 30.11.2017 | 0,5 | 0,50 | |||
| NÆRINGSBANKEN ASA | 12.06.2023 | 17.11.2017 | 4,0 | 4,00 | |||
| TOLGA-OS SPAREBANK | 23.08.2017 | 31.08.2017 | 2,8 | 2,80 | |||
| BANK2 ASA | 02.06.2017 | 30.09.2017 | 5,5 | 5,50 | |||
| CULTURA SPAREBANK | 16.11.2016 | 31.12.2016 | 4,5 | 4,50 | |||
| STADSBYGD SPAREBANK | 16.11.2016 | 31.12.2016 | 3,1 | 3,10 |