<br />
To NASDAQ OMX Copenhagen A/S<br />
and the press 8 November 2012<br />
Q1-Q3 INTERIM REPORT 2012<br />
Totalkredit A/S<br />
(1 January 2012 – 30 September 2012)<br />
Q1-Q3 – IN BRIEF<br />
Totalkredit recorded gross new lending of DKK 108bn in Q1-Q3/2012, against DKK 43bn in the same period in 2011<br />
Measured at nominal value, the loan portfolio grew by DKK 29bn to DKK 502bn in Q1-Q3/2012<br />
Core income from business operations went up 36% to DKK 1,307m on Q1-Q3/2011<br />
Net expenses for supplementary collateral for SDO-funded loans came to DKK 163m against DKK 50m in Q1-Q3/2011<br />
Financial income was DKK 139m against DKK 228m in Q1-Q3/2011<br />
Operating costs totalled DKK 287m against DKK 278m in the same period in 2011<br />
Impairment losses on loans and advances amounted to DKK 444m in Q1-Q3/2012, or 0.09%<a title="q3-interim-report-2012-totalkredit page 1" href="http://viewer.zmags.com/publication/e809b4eb?page=1"> To NASDAQ OMX Copenhagen A/S </a>
<a title="q3-interim-report-2012-totalkredit page 2" href="http://viewer.zmags.com/publication/e809b4eb?page=2"> Financial highlights </a>
<a title="q3-interim-report-2012-totalkredit page 3" href="http://viewer.zmags.com/publication/e809b4eb?page=3"> MANAGEMENT'S REVIEW Q1-Q3 Interim Report 201</a>
<a title="q3-interim-report-2012-totalkredit page 4" href="http://viewer.zmags.com/publication/e809b4eb?page=4"> Mortgage lending at fair value totalled DKK 513bn</a>
<a title="q3-interim-report-2012-totalkredit page 5" href="http://viewer.zmags.com/publication/e809b4eb?page=5"> MANAGEMENT STATEMENT Statement by the Board o</a>
<a title="q3-interim-report-2012-totalkredit page 6" href="http://viewer.zmags.com/publication/e809b4eb?page=6"> Income statement for 1 January – 30 September </a>
<a title="q3-interim-report-2012-totalkredit page 7" href="http://viewer.zmags.com/publication/e809b4eb?page=7"> Balance sheet, end of period </a>
<a title="q3-interim-report-2012-totalkredit page 8" href="http://viewer.zmags.com/publication/e809b4eb?page=8"> Statement of changes in equity </a>
<a title="q3-interim-report-2012-totalkredit page 9" href="http://viewer.zmags.com/publication/e809b4eb?page=9"> Capital base and capital adequacy </a>
<a title="q3-interim-report-2012-totalkredit page 10" href="http://viewer.zmags.com/publication/e809b4eb?page=10"> Cash flow statement </a>
<a title="q3-interim-report-2012-totalkredit page 11" href="http://viewer.zmags.com/publication/e809b4eb?page=11"> Notes </a>
<a title="q3-interim-report-2012-totalkredit page 12" href="http://viewer.zmags.com/publication/e809b4eb?page=12"> Notes </a>
<a title="q3-interim-report-2012-totalkredit page 13" href="http://viewer.zmags.com/publication/e809b4eb?page=13"> Notes </a>
<a title="q3-interim-report-2012-totalkredit page 14" href="http://viewer.zmags.com/publication/e809b4eb?page=14"> Notes </a>
<a title="q3-interim-report-2012-totalkredit page 15" href="http://viewer.zmags.com/publication/e809b4eb?page=15"> Notes </a>
<a title="q3-interim-report-2012-totalkredit page 16" href="http://viewer.zmags.com/publication/e809b4eb?page=16"> Notes </a>
<a title="q3-interim-report-2012-totalkredit page 17" href="http://viewer.zmags.com/publication/e809b4eb?page=17"> Notes </a>
<a title="q3-interim-report-2012-totalkredit page 18" href="http://viewer.zmags.com/publication/e809b4eb?page=18"> Notes </a>
<a title="q3-interim-report-2012-totalkredit page 19" href="http://viewer.zmags.com/publication/e809b4eb?page=19"> Five-year financial highlights </a>
<a title="q3-interim-report-2012-totalkredit page 20" href="http://viewer.zmags.com/publication/e809b4eb?page=20"> Six-quarter financial highlights </a>