Earnings before tax, DKr 42.7m as compared to DKr 62.3m for the first six months 2007. Base earnings before write-downs DKr 65.1m as compared to DKr 62.5m for the first six months 2007. Earnings before tax yielded interest on shareholders' equity of 6.8 pct. Solvency ratio, excl. earnings for the first half-year, was 17.3 pct. Based on development in the first six months in the bank the base earnings before write-downs for the entire year is now expected to be approximately 10 pct. higher than in 2007. Earnings before tax are expected to be approximately 10 pct. lower than in 2007.