-- Profit before tax of DKK 51.0 million, which gives a return on equity at
     the beginning of the year at 9.8 %



  -- Capital ratio of 16.3% and individual solvency requirements of 11.4%,
     corresponding to a 4.9 percentage point coverage.



  -- Solid liquidity reserves of DKK 1.033 million, corresponding to 174.8%



  -- Core earnings of DKK 116.1 million, compared with DKK 111.0 million in 2014



  -- Loan impairment of DKK 63.9 million compared with DKK 154.4 million in 2014



  -- For 2016, core earnings are expected to be in the range of DKK 100–110
     million.