| Highlights and ratios | Q1
2008 | Q1
2007 |
| Highlights | | |
 | Net interest and fee income | 11,295 | 9,780 |
| Value adjustments | -2,292 | 1,814 |
| Staff costs and administrative expenses | 5,717 | 5,267 |
| Impairment charges for loans and advances, etc. | 542 | -179 |
| Income from associated and subsidiary undertakings | 44 | 59 |
| Net profit for the period | 2,567 | 3,822 |
| Loans and advances | 1,994,778 | 1,835,425 |
| Shareholders' equity | 101,124 | 93,688 |
| Total assets | 3,443,405 | 2,951,147 |
|
|
| Ratios | | |
| Solvency ratio, % | 13.6 | 10.1 |
| Core (tier 1) capital ratio, % | 9.5 | 6.6 |
| Return on equity before tax, % | 3.3 | 5.6 |
| Return on equity after tax, % | 2.4 | 4.1 |
| Cost/income ratio, DKr | 1.5 | 2.0 |
| Interest rate risk, % | 2.3 | 2.0 |
| Foreign exchange position, % | 2.2 | 2.0 |
| Loans, advances and impairment charges as % of deposits | 198.5 | 234.6 |
| Gearing of loans and advances, % | 18.9 | 18.7 |
| Growth in loans and advances, % | 0.4 | 10.8 |
| Excess cover relative to the statutory liquidity requirement, % | 88.0 | 109.9 |
| Total amount of large exposures, % | 175.9 | 231.4 |
| Impairment ratio, % | 0.0 | 0.0 |
| Earnings per share, DKr | 3.7 | 5.6 |
| Book value per share, DKr | 147.5 | 136.7 |
| Proposed dividend per share, DKr | 8.5 | 7.8 |
| Share price/earnings per share, DKr | 47.1 | 46.3 |
| Share price/book value per share, DKr | 1.2 | 1.9 |
|