Note 13 - Owner-occupied property

DKKm			2008	2007
	Owner-occupied property
	Cost
	Balance 1 January			317
	Exchange rate adjustment			10
	Additions during the year			0
	Disposals during the year			-9
	Balance 31 December			318

	Accumulated value adjustments
	Balance 1 January			12
	Value adjustment for the year at revalued amount in profit and loss			-17
	Value adjustment for the year at revalued amount in equity			-3
	Balance 31 December			-8

	Accumulated depreciation
	Balance 1 January			-3
	Depreciation for the year			-1
	Balance 31 December			-4

	Balance at revalued amount at 31 December			306

	Amortisation is recognised in the income statement under insurance operating expenses and claims incurred.

	External experts were not involved in valuing owner-occupied property.

	In establishing the market value of the properties, the following return percentages were used for each property category.

		Lowest	Average	Highest
		percentage	percentage	percentage
		2008	2008	2008

	Office property

		Lowest	Average	Highest
		percentage	percentage	percentage
		2007	2007	2007

	Office property	7.00	7.83	7.90