Fionia Holding A/S
Expected key figures for Fionia Bank for the first half of 2008

Fionia Bank A/S / 

Release of a Adhoc News, transmitted by DGAP - a company of EquityStory AG.
The issuer is solely responsible for the content of this announcement.
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Direktionen
Vestre Stationsvej 7
Postboks 189
5100 Odense C

Tlf.:  6520 4060
Fax: 6617 8394

www.fioniabank.dk

11. juli 2008
OMX Nordic Exhange Copenhagen 
Nikolaj Plads 6
Postbox 1040
DK-1007  København K



Announcement no. 14/2008



Expected key figures for Fionia Bank for the first half of 2008

	Core result for  the  first half year amounts to  approx. DKK 223 million
	Write downs for bad debts amounts to DKK 133 million
	Profit on investment portfolio is  negative with approx. DKK 66 million
	Before-tax profit of approx. DKK 24 million
	Total capital ratio at the end of June is 11.0%. Tier 1 capital is 8.6% 

The core result has been realized in line with the  budget and the expectations
for the  full year 2008 remains unchanged with a  core result - before write
downs and profit on the investment portfolio - of DKK 370 - DKK 400 million. 

Further to the company announcement no. 13/2008 - published 4th June informing 
about the increase in expected  write downs for the full year 2008 from  DKK 70
million to the range of  DKK 170 million  - DKK 200 million - Fionia Bank has
calculated the actual  need for  write downs for the half-year to DKK 133
million. Based on the  development in  the banks  total  commitments, the
expected write downs for the full year is unchanged  at DKK 170 million to DKK
200 million - corresponding to approx. 0.7 - 0.8% of the aggregate of lending
and  guaranties. 

The market value of the banks investment portfolio is influenced by the
turbulence in the financial markets during the 1st half year, which has lead to
significant increases in interest rates and significant reductions in equity
prices. The profit on the investment portfolio for the 2nd half year will be
influenced by the development in the financial markets. 

The expected net profit for 2008 will increase Fionia Banks capital base. In
addition Fionia Banks capital surplus according to the minimum requirements of
8%, stated in the Financial Business Act, amounts to more than DKK 800 million
by the turn of the half year. Fionia Banks internal risk-assessment, that forms
the basis for the calculating the individually required capital ratio according
to the Basel rules, is still below 8%. 

Fionia Banks liquidity position by 30th June amounts to DKK 6.3 billions. The
surplus liquidity according to the requirements in the Financial Business Act
is 90.3%. 

Fionia Banks half-year report will be published Tuesday 5th August 2008.

Please addres questions to CEO Finn B. Sørensen (+4520723810), or to EVP Kaj
Østergaard Mortensen (+4565204400), or to EVP Henrik Borup Jeppesen.
(+4565204120) 

News Source: NASDAQ OMX

11.07.2008  Financial News transmitted by DGAP
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Language:     English
Issuer:       Fionia Bank A/S
              
               
              Denmark
Phone:        
Fax:          
E-mail:       
Internet:     
ISIN:         DK0010169895
WKN:          
 
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