• Loss of DKK 43.9 million after tax. • 16% increase in EBIT before write-downs, translation and share price adjustments and costs associated with the first guarantee scheme for banks relative to 2008 • Positive translation adjustment of securities, etc. DKK 25.6 million • 5.0% combined expense reduction, including 19% reduction in other administrative expenses • Major increase in write-downs, in total DKK 136.8 million. • Solvency ratio at 12.8% • Core capital ratio of 10.4% • Individual capital adequacy at 8.7% • Solvency and core capital ratio are strengthened considerably in the fourth quarter of 2009 • Unchanged expectations to the EBIT of DKK 80-90 million