Financial Peace of Mind: When Reality is Challenged

Fraud

Organised criminal networks use fraud as part of their business operations. This has been a persistent threat over time. In 2025, there were fraud attempts totalling NOK 3,300,000,000 against DNB. This represents an increase of 30 per cent from 2024. DNB's fraud prevention measures prevented 90 per cent of the fraud attempts against DNB and our customers.
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Money laundering and financing of terrorism

In 2025, the number of cases DNB reported with suspicion of money laundering increased significantly. The increase illustrates how financial crime is intensifying and becoming more professionalised, where actors exploit vulnerable individuals, legitimate businesses and use professional facilitators to carry out extensive financial crime.
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Physical threats

In 2025, DNB has recorded fewer threats and violent incidents against employees than in previous years, confirming a positive trend following the peak year of 2023. Threats still occur most frequently from individuals with mental health issues, substance abuse problems and financial stress. Estate agents may in some cases experience increased unwanted attention. Physical violence remains rare, and the presence of security guards at DNB's most vulnerable locations has proven to be an effective preventive measure.
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Insider threat

The insider threat remains highly relevant. During 2025, there have been cases where employees have breached internal rules, obtained unlawful financial benefits and improved their own results. Although such incidents rarely affect customers directly, they pose a risk to trust in the bank. A serious incident was also uncovered where a consultant at a foreign location failed to follow up on alerts regarding transactions within their area of responsibility. DNB has subsequently strengthened control procedures to reduce the risk of similar incidents.
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Digital threats

2025 has been characterised by a more complex and shifting cyber threat landscape, where artificial intelligence is used for both attack and defence. Attacks against businesses have become more sophisticated, rapid and targeted, with increased use of automation and AI. Threat actors exploit both technical and human vulnerabilities, and we are seeing a clear increase in attempts to steal digital identities, supply chain attacks – where attacks are carried out through third parties that the business trusts – and AI-enhanced methods.
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Sanctions

Sanctions is a collective term for non-military measures imposed by states or international organisations. Stricter sanctions regimes make both luxury goods and goods necessary for industry more difficult to obtain. This means that sanctions evasion becomes more lucrative. This in turn leads to increased risk that customers misuse the bank for purposes related to sanctions evasion – particularly through car trading and financing. In Sweden, DNB has had several cases of fraud related to car financing in combination with sanctions evasion, where cars have been re-exported to Russia via transit countries.
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