Highlights: · Net interest and fee income increased by 15 percent. · Staff costs and administration expenses decreased by 1 percent. · Loan impairment charges amount to DKK 225,8 million. · Net profit for the year is DKK 14,1 million. · Loans and advances down by 9.4 percent. · Deposits inclusive of pool deposits up by 9.8 percent. · Increase of share price by 52.2 percent in 2009. · The group solvency ratio is 17.7. · Mr Preben Lykkegaard, managing director, resigns on 31 March 2010 after 30 years as manager. Mr Claus Sejling, co-manager, continues as sole member of the executive board. · Budgeted annual results in 2010 before market value adjustments, loan impairment charges and tax between DKK 120-140 million. [HUG#1384898]