• Loss of DKK - 11.6 million after tax. • 30 % increase in EBIT before write-downs, translation and share price adjustments and costs associated with the first guarantee scheme for banks. • Costs reduced by 6 %. • Write-downs amount to DKK 26.2 million, equivalent to 0.5 % on a quarterly basis. • Costs of the first guarantee scheme for banks amount to DKK 4.5 million. • Deposits increased by 7 % and loans fell by 4 % compared to the end of the year. • The solvency ratio is strengthened to 13.3 % against 12.9 % at the turn of the year. • The core capital ratio is increased to 10.9 %. • The individual capital adequacy is determined at 8.2 %. • Very solid liquidity surplus of 221 %. • Participation in the second guarantee scheme for banks in Denmark (Bankpakke II).