sentences:  DnB was created as a merger between Bergen Bank and Den norske Creditbank in 1990 after a major downturn in the economy, especially affecting the banks, who lost vast amounts of money due to misheld loans and falling housing prices.The state held a majority ownership in the bank in addition to its being listed on the Oslo Stock Exchange.In 1996, DnB bought Vital Forsikring and in 1999 it merged with Postbanken.