Danske Bank AS was founded on October 5, 1871. The Bank offers Spending Overview, MobilePay, Online Meetings, Online meetings, "Pensions-tjek", Health check, Mobile and tablet business apps and Business Online. It is a financial services provider and one of the largest in the Nordic region. The Group offers services to the customers in the fields of banking, mortgage finance, insurance, real-estate brokerage, asset management and trading in fixed income products, foreign exchange and equities. It operates in 15 countries. The Group consists of a number of business units and support functions. Personal Banking serves personal and private banking customers. The unit offers digital solutions aimed at making day-to-day banking simple and efficient and on providing proactive advice to customers with more complex finances. Business Banking serves small and medium-sized businesses through a large network of finance centres, branches, contact centres and online channels. The unit offers solutions within financing, investing, cash management and risk management. Corporates & Institutions is a provider of wholesale banking services to the largest institutional and corporate customers in the Nordic region. Products and services include cash management services; trade finance solutions; custody services; equity, bond, foreign exchange and derivatives products; corporate finance; and acquisition finance. Danske Capital develops and sells asset and wealth management products and services that are marketed through Personal Banking and directly to businesses, institutional clients and third-party distributors. Danske Capital also supports the advisory and asset management activities of Personal Banking. Danica Pension carries out the Group's activities in the liIe insurance and pensions market. Danica Pension serves both personal and business customers. Its products are marketed through a range of channels in the Group, primarily Personal Banking and 'anica 3ension's oZn insurance brokers and advisers. Danica Pension offers unit-linked products that allow customers to select their own investment profiles and the return on savings depends on market trends. Other Activities encompasses Group Treasury, Group IT, Group Services and eliminations, including the elimination of returns on own shares. Group Treasury is responsible for the Group's liquidity management and funding. Non-core includes certain customer segments that are no longer considered part of the core business. The Non-core unit is responsible for the controlled winding-up of this part of the loan portfolio.