{"product_id":"dnb-value-chain-analysis","title":"DNB Bank Value Chain Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-List-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGo Beyond the Preview—Access the Full Value Chain Analysis\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eThis DNB Bank Value Chain Analysis gives a clear, ready-made view of how the company creates value across support and primary activities. The page already shows a real preview of the analysis, so you can review the style and content before buying. Purchase the full version to access the complete ready-to-use report.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eupport Activities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Support-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFirm Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDNB ASA uses centralized governance, capital steering, compliance, and enterprise risk control to protect its funding base and franchise. In 2025, DNB ASA reported a CET1 ratio of 19.0% and a common equity tier 1 capital buffer of NOK 72.8 billion, which supports disciplined balance-sheet management. That scale helps Norway's largest financial services group keep funding access stable while meeting strict regulatory and risk limits.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Support-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Resource Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDNB ASA’s human resource management centers on hiring bankers, risk specialists, technologists, and compliance staff to serve retail and corporate clients. With about 10,000 employees in 2025, DNB ASA scales talent across Norway and selected international units. Training in credit, AML, data, and advisory skills helps keep decisions tight and service consistent.\u003c\/p\u003e\n\u003cp\u003eThis matters because DNB ASA handled NOK 2,610 billion in total assets at year-end 2025, so small skill gaps can hit risk control fast. Strong staffing also supports the bank’s digital push, where tech and compliance roles help keep growth aligned with regulation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Support-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Support-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDNB ASA spent NOK 2.0 billion on technology in 2025, and that spending helps run digital banking, data analytics, and cybersecurity for payments, lending, and wealth services. Automation cuts unit cost and speeds up service, while self-service tools lift uptime and reduce manual work. For a bank with 2.0 million retail customers and 200,000 business customers, tech scale is a core cost edge.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Support-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProcurement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eDNB ASA’s procurement is focused on software, cloud services, market data, consulting, and facility services, not heavy industrial inputs. In 2025, that makes supplier control a direct lever on operating cost, cyber resilience, and regulatory compliance. Strong vendor oversight also helps DNB ASA manage third-party risk, keep service uptime stable, and support fast changes in digital banking needs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Support-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Support-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDNB ASA: Strong capital, tight risk control, and tech investment in 2025\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDNB ASA's support activities in 2025 were built on tight risk control, people, tech, and vendor oversight. Capital steering stayed strong with a CET1 ratio of 19.0% and NOK 72.8 billion CET1 buffer, while about 10,000 staff and NOK 2.0 billion tech spend supported scale and control. Procurement focused on software, cloud, and market data to keep third-party risk and uptime in check.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003e2025 input\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 ratio\u003c\/td\u003e\n\u003ctd\u003e19.0%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 buffer\u003c\/td\u003e\n\u003ctd\u003eNOK 72.8bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e10,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech spend\u003c\/td\u003e\n\u003ctd\u003eNOK 2.0bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\nAnalyzes DNB Bank’s business model through the main components of the value chain framework\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eEditable Excel File\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\nProvides a concise DNB Bank Value Chain Analysis for quickly identifying operational pain points and value drivers.\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003erimary Activities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Primary-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInbound Logistics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor DNB ASA, inbound logistics is the flow of customer deposits, loan repayments, market funding, collateral, and customer data into the bank. In 2025, this input base supports daily liquidity management, loan pricing, and credit decisions, so deposit quality and funding mix matter as much as volume.\u003c\/p\u003e\n\u003cp\u003eDNB uses these inflows to match cash needs, set risk-based rates, and secure lending with collateral. Cleaner data also sharpens credit scoring and funding decisions, which helps DNB keep funding costs and balance-sheet risk under control.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Primary-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOperations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIn 2025, DNB ASA’s operations turned risk assessment, margin control, and client activity into earnings through underwriting, payments, treasury, asset management, and investment banking execution. These flows sat on a loan book and deposit base that kept net interest income high, while fee income from payments, funds, and advisory added balance. Strong treasury and capital management also helped DNB ASA keep risk within limits and support dividend capacity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Primary-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Primary-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOutbound Logistics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDNB ASA uses mobile apps, online banking, branches, relationship managers, and corporate market channels to push products to clients. In 2025, this wide reach helped DNB Bank move loans, settle payments, and deliver advisory services with low friction across Norway and selected international clients. Fast, reliable outbound logistics matter because each failed transfer or slow payout can delay funding and weaken client trust.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Primary-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Sales\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eIn 2025, DNB ASA sold through relationship banking, sector specialists, and digital acquisition, not mass advertising alone. Its energy, shipping, and seafood teams helped win mandates, cross-sell loans and deposits, and raise client share of wallet across Norway's core corporate segments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Primary-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eService\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDNB ASA’s Service activity covers account servicing, digital support, fraud handling, loan maintenance, and adviser follow-up, so customers can solve problems fast without leaving the bank. In 2025, that matters because DNB ASA’s scale and trust-led model depend on keeping high-value clients active, reducing churn, and protecting fee and lending relationships over many years.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/VALUE-CHAIN-Content-Primary-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDNB ASA: 2.1M Retail Customers Power 2025 Income Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eIn 2025, DNB ASA turned deposits, payments, and data into lending, treasury, and advisory income across about 2.1 million retail customers and 200,000 corporate clients.\u003c\/p\u003e\n\u003cp\u003eDigital channels, branches, and sector teams moved loans and payments fast, while service kept high-value clients active and supported fee and NII growth.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePrimary activity\u003c\/th\u003e\n\u003cth\u003e2025 data\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eOperations\u003c\/td\u003e\n\u003ctd\u003e2.1m retail customers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing and sales\u003c\/td\u003e\n\u003ctd\u003e200k corporate clients\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eService\u003c\/td\u003e\n\u003ctd\u003eDigital, branches, sector teams\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Version Awaits\u003c\/span\u003e\u003cbr\u003eDNB Bank Reference Sources\u003c\/h2\u003e\n\u003cp\u003eThis is the actual DNB Bank Value Chain Analysis document you’ll receive upon purchase—no surprises, just professional quality.\u003c\/p\u003e\n\u003cp\u003eThe preview below is taken directly from the full report, so you’re seeing the same content included in the final download.\u003c\/p\u003e\n\u003cp\u003eOnce purchased, you’ll unlock the complete DNB Bank Value Chain Analysis in full detail.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview-Image.png\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"Balanced Scorecard","offers":[{"title":"Default Title","offer_id":53665459798358,"sku":"dnb-value-chain-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1027\/3715\/0294\/files\/dnb-value-chain-analysis.webp?v=1778881967","url":"https:\/\/balancedscorecardexamples.com\/products\/dnb-value-chain-analysis","provider":"Balanced Scorecard","version":"1.0","type":"link"}