Financial inclusion

Storebrand Bank serves all customer segments in the retail market. Norwegian citizens and other residents with a D-number can open accounts with us. All customers have access to a full range of banking services, including accounts, online banking, mobile banking, payment services and debit cards. We continuously work to develop and improve our services, both traditionally and online based on Norwegian market standards and direct feedback from our customers.

We offer paper-based/manual services related to the bank’s products (excluding fund products) to customers who prefer or are unable to use digital solutions. These include form-based payment, paper delivery of account statements and other communication as well as assistance through our phone-based customer support team.

We offer free general support through the customer support team. For credit and mortgage customers, accredited loan advisers are available to offer personalised advice and guidance.

We practice a conservative credit policy in accordance with Norwegian law and industry best practices for lending to private customers. All lending decisions – including mortgages, consumer loans and credit cards, are based on an assessment of the customers’ financial capacity.

All mortgage advisers are required to authorise in credit and personal insurance. The authorisation process, which takes about 1.5 years, includes training in communicating and handling advisory dialogues. The purpose is to ensure that the customer’s interests and needs are looked after in the best way (e.g. through professionalism, customer privacy and documentation of agreements).

The bank offers investment advice to the wealth segment, and all customers have access to the Kron application. Kron is an easily accessible digital investment platform which makes investment services easily available to everyone, through easily understandable communication and technology. Kron’s client base is younger and more gender equal than the industry average, and consists of both seasoned investors with more than 1,000 MNOK and people investing 300 NOK for the first time. The share of female clients in Kron is 49 % of the total number of clients. Since January 2023, Kron has grown the number of active investors from 41,500 to 140,600, and assets under management from 7 BNOK to 35.8 BNOK (numbers as of 22nd May 2026 ).

As part of Storebrand’s ambition to increase pension awareness, we made the individual pension information of over 500,000 active customers accessible through the Kron app in Q2 2025. This is expected to significantly boost engagement with, and understanding of, personal pension savings.

Storebrand has a fast growing insurance business in the retail market, both within personal lines and P&C. Accredited advisors map the customers’ insurance needs, as well as digital solutions for customers who wish to complete the process in digital interfaces.

People who are kept away from normal working life due to disability lose the opportunity for gradual economic and career development throughout their lives.

According to NAV, the share of the working-age population receiving disability benefits remained at a high level at 10,5% in 2025, unchanged from 2024.

Each person who is kept from being part of working life, either temporarily or permanently, represents a huge cost for the person, society and the employer, as well as for Storebrand – as a large disability pension provider.

The challenges cannot be solved by one part alone, but require a collective effort.

While Storebrand offers insurance solutions securing employees of our business customers financial security if they become work-disabled, we also address the increasing disability trend.

Storebrand has over the past years developed and tested several initiatives aimed at reducing the risk of long-term disability among customers. Based on insights and learnings from these initiatives, Storebrand launched the VEL program as an integrated part of selected disability insurance products in Storebrand Livsforsikring AS from 01.01.2026.

The program consists of three main components:

• Access to the right candidates at an early stage
• An in-house interdisciplinary team working with both preventive and return-to-work efforts
• Partnerships with trusted providers offering high-quality services

VEL aims to strengthen work ability and reduce the risk of long-term disability by offering coordinated support tailored to the individual’s needs. Services may include interdisciplinary health support, career guidance, financial counselling to reduce negative effects of financial stress, and guidance on physical activity and lifestyle factors.

The program is voluntary and offered based on individual assessments conducted by Storebrand’s preventive team.

From 01.01.2026, approximately 400,000 employees covered through corporate insurance arrangements have access to the program. Between January and May 2026, more than 500 individuals entered the VEL program and received follow-up and support. Early experiences indicate positive effects related to work participation and prevention of long-term disability.

Storebrand Equal Opportunities is an equity fund investing in companies well-positioned to solve pressing social needs, as identified in the UN Sustainable Development Goals (SDGs). The investment universe is global, providing coverage of both developed markets and emerging markets.

Storebrand Equal Opportunities aims to help fulfil a core principle underlying the SDGs: creating equal access to essential services for the world’s entire population. There are still billions of people who do not have access to essential services that most of us depend on.

Storebrand Equal Opportunities invests in companies with products and services that contribute to providing better access to these services such as digital, financial, and health-related services. Investment themes include connectivity, microfinance, financial technology and digital banking, SMEs, telehealth, and women’s healthcare.

Learn more about Storebrand Equal Opportunities