Note 25 - Debt to credit institutions

DKKm		2007	2006
	Debt to credit institutions
	Bank loans	597	596
	Bank overdrafts	2	69
		599	665

	Debt falling due within one year	2	69
	Debt falling due after more than five years	0	0

	In 2005, a consortium of banks granted TrygVesta A/S a loan facility for DKK 2,000m, of which DKK 600m had been utilised at 31 December 2007.
	In 2007, the loan carried interest at CIBOR plus a margin, totalling approximately 4,4% p.a.
	The unutilised part of the loan facility is measured at amortised cost, and an amount of DKK 5m was deducted from the loan proceeds upon signing the loan agreement. The cost are depreciated linear until the loan facility expires in July 2010.
	The fair value of the loan is considered to be the utilised part of the facility of DKK 600m.