BRFkredits Annual Financial Report 2016

• Annual Financial Report 2016
• CRR Leverage Ratio Disclosure
• CRR Own Funds Disclosure
• Investorpræsentation BRFkredit Financial Report 2016
• Jyske Bank's Raport on Risk and Capital Management 2016

∙ The Group's profit before tax amounted to DKK 1,295m (2015: DKK 909m).
∙ Net profit for the year amounted to DKK 1,011m (2015: DKK 699m).
∙ The net profit for the year corresponded to an annualised return of 8.6 % on opening equity (2015: 6.3 % p.a.).
∙ Loan impairment charges and provisions for guarantees amounted to an income of DKK 32m (2015: expenses of DKK 103m).
∙ Mortgage loans: DKK 278.4bn (2015: DKK 250.9bn).
∙ Capital ratio: 19.0% (2015: 19.1%, and Common Equity Tier 1 capital ratio of 19.0% (2015: 18.9)
∙ Individual solvency requirement: 9.3 % (2015: 9.6 %).