SBAB

"With the same number of people we can handle nearly twice as many applications as three years ago - and offer higher quality."

Source: Peter Gertman, Vice President SBAB, Microsoft Executive Circle

"The institution today remains at the forefront of Internet distribution, focusing on straight through processing and back-office reengineering".

Source: Moody´s report on SBAB April 2002

Länsförsäkringar Bank

"Yet another example is the new efficient credit management system KreDirekt which enables Länsförsäkringsbolagen to provide customers with fast and easy service - a critical element in the personal contacts that are the foundation of all customer relations."

Source: Länsförsäkringar Bank's annual report 2000

BoKredit

"BoKredit was formed in 1995 as the first mortgage lender in Sweden to offer securitised home loans. In 1999 BoKredit was acquired by Danske Bank.

"We use the latest technology in order to keep our administrative costs down, at the same time as we are able to offer personal service and expert advice at our branches. For you as our customer, this means low costs and freedom of choice; you can apply for a mortgage on the Internet or at one of our branches."

Source: www.Danskebank.com/bokredit