Danske Bank A/S (the Bank) is a Denmark-based bank. Its operations are divided into five business segments: Banking Activities caters to personal and business customers, comprising finance centers, mortgage finance operations and real estate agency operations, as well as property finance operations; Danske Markets and Treasury is responsible for the Bank�s activities in the financial markets, such as trading in fixed income, foreign exchange, equities and interest-bearing securities, as well as equity portfolios, among others; Danske Capital is engaged in the development and marketing of wealth management products and services; Danica Pension encompasses the Bank�s activities in the life insurance and pensions market; Other Activities encompasses the Bank�s real estate activities and support functions, as well as the elimination of returns on own shares and bonds. Is operational in 15 countries, with emphasis on the Nordic region.