Half-year report in accordance with the previously stated expectations. Half-year core operating result of DKK 224 million Provisions of DKK 133 million. Loss on holdings of DKK 66 million. Before-tax profit of DKK 26 million. Group capital adequacy ratios for the half-year of 11.3 percent (total) and 8.7 percent (tier 1). Core operating earnings are in line with budget, and the full-year forecast for core earnings (before provisions and profit on own holdings) remains unchanged, at DKK 370-400 million. Further to company notification of 4 June 2008 announcing an increase in the forecast provisions for the year, from DKK 70 million to between DKK 170 and 200 million, Fionia Bank has stated the actual provision requirement for the half year as DKK 133 million. On the basis of the expected trend for provision requirements for the bank's total exposures, the forecast provision re-quirement for the full year remains unchanged at between DKK 170 and 200 million, or 0.7-0.8 per-cent of total loans and guarantees.