CRD

The CRD is an EU directive regulating the capital adequacy of banks and other financial institutions. "CRD" stands for Capital Requirements Directive. Based on Basel II, the CRD replaced the previous rules in 2007. A transition period extends until 2010.

Many analysts have called the introduction of the CRD one of the most important changes in the banking industry in recent years - more significant than the introduction of IFRS. The CRD is important since it affects two of the most essential drivers of value creation: risk and capital management.

Get an overview of some of the CRD-related reports published by various investment banks.

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Overview

Video

Watch two videos on the CRD with CFO Tonny T. Andersen:

The Danish FSA's approval for Danske Bank to use the advanced method (Nov. 2007)
Fundamentals of the CRD (2006)

What is the CRD? Get a quick introduction to the changes in the banking industry under the CRD and their effect on Danske Bank. Read more about the CRD	The CRD's importance Risk and capital management is one of Danske Bank's core competencies and key factor in providing a high, stable return to shareholders. Read about the CRD's importance

The three pillars The CRD covers capital requirements, supervisory review, market discipline and more. Read about the three pillars	Newletters and quizzes We have published three newsletters and two quizzes on the CRD. Read the newsletters Try the quizzes

FAQ and glossary We have compiled a list of the most frequently asked questions about CRD and a glossary. See CRD FAQ See the glossary	External links We have gathered useful external links to sites with information related to the CRD. See external links

Learn more

Risk Management report Our report on the Group's risk and capital management policies and practices is available in both interactive and printed versions. See Risk Management 2007 - interactive version	The capital requirements directive You can download official EU documents on the CRD from the European Commission site. Read EU documents on regulatory capital