The Danske Bank Group's capital management aims to ensure efficient use of capital to meet the Group's overall capital targets. In 2007, the Group will still work under the Basel I capital adequacy rules. The Group has submitted an application to the Danish FSA for approval of use of the advanced internal ratings-based method for credit risk under the new capital adequacy rules, the EU Capital Requirements Directive (CRD), with effect from January 1, 2008. The effect of the new requirements will be gradually incorporated into the Group's capital management during 2008 and 2009 and will be fully incorporated as of January 1, 2010.