Equity capital certificate ratio
Parent bank
| 31 March 2011 | 31 Dec 2010 | |
| ECC capital | 2,372 | 2,372 |
| Dividend equalisation reserve | 1,160 | 1,160 |
| Premium reserve | 182 | 182 |
| Unrealised gains reserve | 28 | 28 |
| A. The equity capital certificate owners' capital | 3,742 | 3,742 |
| Ownerless capital | 2,345 | 2,345 |
| Unrealised gains reserve | 17 | 17 |
| B. The saving bank reserve | 2,362 | 2,362 |
| To be disbursed from gift fund | 0 | 192 |
| Dividend declared | 0 | 285 |
| Equity ex. profit | 6,104 | 6,581 |
| Equity capital certificate ratio A/(A+B) | 61.3 % | 61.3 % |
