The Danske Bank Group considers risk management a core competency that helps to produce consistently high returns for its shareholders. Danske Bank's aim is to manage all major types of risk by applying methods that always meet best practise. The Group considers it very important to have a clear distribution of responsibilities within risk and capital management. One of the main tasks of the Group's executive management is to set the framework for this area. The Group has built up considerable expertise within risk and capital management by centralising overall management and control across the Group. At the same time, the individual bank brands are given the necessary freedom to operate through local credit functions.