New co-operation model for Totalkredit loans frees capital within SPARBANK SPARBANK has decided to go over to a new co-operation model for arranging Totalkredit loans. The new co-operation model means that SPARBANK no longer has to provide security for losses in connection with arranging Totalkredit loans. The new co-operation agreement also means, that the security of approx. DKK 1,811 million that has already been provided will be annulled, leading to a reduction in risk weighted entries and an increase in the bank's solvency percentage by 0.6 percent points. In future, any losses incurred through Totalkredit loans arranged by SPARBANK will be set off against the commission received by the bank for the procured Totalkredit loans as payment for the services provided by the bank to Totalkredit borrowers.