Index. Santander Consumer Finance Oy Hermannin Rantatie 10 Helsinki Y-tunnus

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1 Following payment dates: 25/02/ /03/2016 Cover Sheet Monthly Investor Report Monthly Period Dec 2015 Fixed rate = 30/360 days Cut-Off date 31/12/2015 Index Page 1 Portfolio Information 1 2 Amount Due for Distribution 2 3 Reserve Accounts 3 4 Performance Data 4 5 Outstanding Notes 5 6 Counterparty Ratings, Trigger Levels and Consequences 6 7 a Original Principal Balance 7 7 b Original PB (Graph) 8 8 a Outstanding principal Balance 9 8 b Outstanding PB (Graph) 10 9 a Geographical Distribution 11 9 b Geographical (Graph) a Interest Rate b Interest Rate (Graph) a Remaining Terms b Remaining Terms (Graph) a Seasoning b Seasoning (Graph) a Balloon loans as % of other loans b Balloon loans as % of other loans (Graph) a Loans per borrower b Loans per borrower (Graph) a Amortization Profile b Amortization Profile (Graph) a Payment Holidays b Payment Holidays (Graph) a Downpayment b Downpayment (Graph) a Vehicle Condition b Vehicle Condition (Graph) a Borrower Type b Borrower Type (Graph) a Vehicle Type b Vehicle Type (Graph) a Restructured Loans b Restructured Loans (Graph) Dynamic Interest Rate Dynamic Pre-Payment Dynamic Delinquency Defaults, Recoveries and Losses by Quarter of Default Priority of Payments Pre-Enforcement Transaction Costs Contact Details 43

2 1. Portfolio Information Monthly Period Dec 2015 Fixed rate = 30/360 days Current Period Previous Period Aggregated Outstanding Aggregated Outstanding Outstanding receivables Principal Amount Principal Amount Opening balance ,31 EUR ,10 EUR Scheduled Loan Principal Repayments ,44 EUR ,88 EUR Prepayments ,70 EUR ,25 EUR Deemed Collections - Other - EUR - EUR Total Principal Payments Received ,14 EUR ,13 EUR New Defaulted Auto Loans in Period ,83 EUR ,66 EUR Closing Balance ,34 EUR ,31 EUR Total revenue collections Revenue and fees received on loan balances ,56 EUR ,96 EUR Recoveries on loans in default ,57 EUR ,46 EUR Total Revenue Received in Period ,13 EUR ,42 EUR # Loans At beginning of period Loans Loans Paid in Full 783 Loans 850 Loans Repurchased (Deemed Collections) - Loans - Loans New loans into default 11 Loans 17 Loans At end of period Loans Loans

3 2. Amount Due for Distribution Monthly Period Dec 2015 Fixed rate = 30/360 days Purchaser Available Distribution Amount Current Period Previous Period a. Collections (Principal, interest, and fee etc) EUR EUR b. Stamp Duty, Taxes, Liabilities etc. Paid by the Seller to the Purchaser 0 EUR 0 EUR c. Default, Interest, Indemnities etc Paid by the Seller to the Purchaser 0 EUR 0 EUR d. Other amounts Paid by the Seller to the Purchaser 0 EUR 0 EUR e. Interest Earned by the Purchaser 0 EUR 0 EUR f. Other amounts received by the purchaser 0 EUR 0 EUR Total Amount for Purchaser Available Distribution Amount EUR EUR Issuer Available Distribution Amount a. Amounts due to Issuer from Purchaser under the Loan Agreement EUR EUR b. Reserve Fund EUR EUR c. Interest Earned by the Issuer -2 EUR -1 EUR d. Other amounts received by the issuer 0 EUR 0 EUR Total Amount for Issuer Available Distribution Amount EUR EUR

4 3. Reserve Accounts Monthly Period Dec 2015 Fixed rate = 30/360 days Note Balance Beginning of Period ,31 EUR End of Period ,34 EUR Reserve Fund in % Beginning of Period 0,6 % ,00 EUR Cash Outflow ,00 EUR Cash Inflow ,00 EUR End of Period 0,6 % ,00 EUR Required Reserve Amount 0,6 % ,00 EUR Liquidity Balance Beginning of Period 1,1 % ,15 EUR Cash Outflow ,15 EUR Cash Inflow ,34 EUR End of Period 1,0 % ,34 EUR Required Reserve Amount 1,0 % ,34 EUR Servicer Advance Reserve Fund Beginning of Period ,00 EUR Cash Outflow - EUR Cash Inflow - EUR End of Period ,00 EUR Required Reserve Amount ,00 EUR Set-off from Deposits No borrowers whose loans were sold to SCFI Rahoituspalvelut held deposits with Santander Consumer Finance OY. The risk of set-off from deposits is therefore zero. We hereby confirm that the Seller confirms its ongoing retention of a net economic interest of at least 5% in accordance with Article 405 of the CRR and Article 51 of the AIFMR

5 4. Performance Data Monthly Period Dec 2015 Fixed rate = 30/360 days Asset Balance Beginning of Period ,31 EUR End of Period ,34 EUR Portfolio Performance: EUR % # loans Performing Receivables: Current ,53 91,81% days past due ,40 6,98% Delinquent Receivables: days past due ,66 0,84% days past due ,78 0,19% days past due ,46 0,09% days past due ,62 0,08% days past due ,89 0,01% 6 Total Performing and Delinquent ,00% Current Period Defaults ,83 11 Cumulative Defaults , Current Period Recoveries ,57 Cumulative Recoveries ,87 Principal Deficiency Trigger Event, where [A] > [B * 9%] NO [A] [1] - [2] - [3] ( ,00) Note Principal Closing Balance [1] ,34 Reserve Fund Amount [2] ,00 Aggregate Outstanding Asset Principal Amount [3] ,34 [B] Initial Aggregate Outstanding Note Principal Amount ,00

6 5. Outstanding Notes Monthly Period Dec 2015 Fixed rate = 30/360 days 1. Note Balance All Notes Class A Class B Class C Class D Class E Class F General Note Information ISIN Code XS XS XS XS XS XS Currency EUR EUR EUR EUR EUR EUR Initial Tranching 100% 85,5 % 8,4 % 1,3 % 1,4 % 1,6 % 1,8 % Legal Final Maturity Date 25/09/ /09/ /09/ /09/ /09/ /09/2023 Rating (Fitch/Moody's) AAA / AAA AA/Aa2 A+/A2 A/Baa1 BB+/Ba1 Not rated Initial Notes Aggregate Principal Outstanding Balance , , , , , , ,00 Initial Nominal per Note , , , , , ,00 Initial Number of Notes per Class Current Note Information Class Principal Outstanding Opening Balance , , , , , , ,00 Available Distribution Amount ,36 Amortisation ,97 Redemption per Class , , Redemption per Note 3.316, Class Principal Outstanding Closing Balance , , , , , , ,00 Current Tranching 100% 70,86% 16,93% 2,61% 2,80% 3,19% 3,62% Current Pool Factor 0,41 1,00 1,00 1,00 1,00 1,00 2. Payments to Investors per Note All Notes Class A Class B Class C Class D Class E Class F Interest rate Basis: 1-M EURIBOR / Spread Day Count Convention (30/360) (30/360) (30/360) (30/360) (30/360) (30/360) Interest Days 31 Principal Outstanding per Note Beginning of Period , , , , , ,00 >Principal Repayment per note 3.316, Principal Outstanding per Note End of Period , , , , , ,00 >Interest accrued for the period 17,48 62,50 83,33 145,83 291,67 583,33 Interest Payment , , , , , , ,00 Interest Payment per Note 17,48 62,50 83,33 145,83 291,67 583,33 3. Credit Enhancements Initial total CE (Subordination, Reserve) 15,97% 7,57% 6,27% 4,88% 3,30% 1,50% Current CE (incl. Excess Spread) 34,48% 17,55% 14,95% 12,14% 8,95% 5,33% Current CE (excl. Excess Spread) 30,81% 13,88% 11,27% 8,47% 5,28% 1,66%

7 6. Counterparty Ratings, Trigger Levels and Consequences Monthly Period Dec 2015 Fixed rate = 30/360 days Interest Periodfrom 25/12/2015 to 25/01/2016 = 31 days Rating Triggers Short Term Long Term Fitch Moody's Fitch Moody's Transaction Role Counterparty Criteria Current Criteria Current Criteria Current Criteria Current Trigger breached? Summary of Contractual Requirements if Rating Trigger Breach Issuer SCFI Rahoituspalvelut Ltd No rating No rating No rating No rating N/A Seller No rating No rating No rating No rating N/A Servicer No rating No rating No rating No rating N/A Servicer's Owner Santander Consumer Finance N/A F2 N/A P-2 BBB - A- Outlook stable Baa3 A3 No Transaction Account Bank BNP Paribas F1 F1 P-1 P-1 A A+ A2 A1 No Banco Santander S.A. undertakes in the Servicing Agreement to act as Back-Up Servicer Facilitator, which will require it to (i) select a bank or financial institution having the requirements set out in the Servicing Agreement and willing to assume the duties of a successor servicer in the event that a Servicer Termination Notice is delivered, (ii) review the information provided to it by the Servicer under the Servicing Agreement, (iii) enter into appropriate data confidentiality provisions and (iv) notify the Servicer if it requires further assistance. The Issuer and the Purchaser shall (with the prior written consent of the Note Trustee) arrange for the transfer (within 30 calendar days) of: (i) in relation to the Issuer, the Issuer Secured Accounts and all of the funds standing to the credit of the Issuer Secured Accounts; and (ii) in relation to the Purchaser, the Purchaser Transaction Account and all funds standing to the credit of the Purchaser Transaction Account, to another bank that meets the applicable Required Ratings. Collections Account Bank Skandinaviska Enskilda Banken F1 F1 P-1 P-1 A A+ A2 Aa3 No The Servicer shall (with the prior written consent of the Note Trustee) use reasonable endeavours to arrange for the transfer (within 30 calendar days) of the Issuer Collections Account and all of the funds standing to the credit of the Issuer Collections Account to another bank which meets the Required Ratings.

8 7.a Original Portfolio Principal Balance Monthly Period Dec 2015 Fixed rate = 30/360 days Average amount - all: TOTAL Original balance Min Max No Original balance % WA mounths to maturity WA seasoning ,3 % 17,6 5, ,6 % 27,8 9, ,5 % 33,0 10, ,4 % 34,9 11, ,6 % 34,8 11, ,6 % 34,7 11, ,2 % 34,9 10, ,9 % 35,0 11, ,7 % 35,7 10, ,0 % 36,0 10, ,3 % 35,4 10, ,0 % 35,5 9, ,0 % 36,0 9,7 Total %

9 Original Principal Balance (EUR) SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Original Principal Balance Graph Monthly Period Dec 2015 Fixed rate = 30/360 days Original Principal Balance (Total)

10 8.a Outstanding Principal Balance Monthly Period Dec 2015 Fixed rate = 30/360 days Average amount - all: TOTAL Outstanding balance Min Max No Outstanding balance % WA months to maturity WA seasoning ,0 % 20,9 22, ,5 % 33,2 21, ,5 % 36,8 21, ,3 % 36,8 21, ,9 % 37,9 20, ,3 % 38,2 20, ,9 % 38,0 20, ,5 % 38,3 20, ,5 % 38,2 20, ,8 % 39,3 20, ,5 % 38,6 19, ,4 % 40,7 19, ,7 % 38,8 20,1 Total %

11 Outstanding Principal Balance (EUR) SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Outstanding Principal Balance Graph Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : Outstanding Principal Balance (Total)

12 9.a Geographical Distribution Monthly Period Dec 2015 Fixed rate = 30/360 days Geographic distribution TOTAL District No Outstanding balance % of Outstanding balance WA months to maturity WA seasoning Central Finland ,10% 35,2 21,2 Eastern Finland ,86% 34,9 21,5 East Tavastia ,67% 35,6 21,4 Greater Helsinki ,55% 35,2 21,2 Northern Finland ,95% 35,9 21,2 Northern Savonia ,49% 34,6 21,5 Ostrobothnia ,79% 34,3 21,2 South-Eastern Fi ,73% 35,6 21,2 South-Western Fi ,38% 35,3 21,3 Western Tavastia ,47% 35,3 21,1 Total %

13 Oustanding Principal Balance SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Geographical Distribution Graph Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : Geographical Distribution (Total) Central Finland Eastern Finland East Tavastia Greater Helsinki Northern Finland Northern Savonia Ostrobothnia South-Eastern Fi South-Western Fi Western Tavastia

14 10.a Interest Rate Monthly Period Dec 2015 Fixed rate = 30/360 days Min (>=) Max (<) No Outstanding balance % of total Outstanding balance WA months to maturity WA seasoning <-1% ,00% 37,7 19,2 1%-2% ,99% 35,0 21,1 2%-4% ,46% 35,5 21,3 4%-6% ,94% 35,0 21,5 6%-8% ,50% 34,5 21,5 8%-10% ,11% 34,1 20,5 10%-12% %-14% %-16% %-18% Interest distribution TOTAL Total %

15 Outstanding Principal Balance SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Interest Rate Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : , , , , ,00 Interest Rate Levels (Total) , , , , ,00 0,00 <-1% 1%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12%-14% 14%-16% 16%-18% Interest Rate Level Intervals

16 11.a Remaining Terms Monthly Period Dec 2015 Fixed rate = 30/360 days Min Max No Outstanding balance % WA months to maturity WA seasoning ,00% 0,0 21, ,98% 9,0 24, ,30% 18,6 22, ,42% 32,5 24, ,28% 40,8 19, ,01% 51,4 22, < Months to maturity TOTAL Total %

17 Outstanding Principal Balance SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Remaining Terms Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : , , , ,00 Remaining Terms (Total) , , , ,00 0, < Remaining Terms

18 12.a Seasoning Monthly Period Dec 2015 Fixed rate = 30/360 days Min Max No Outstanding balance % of Outstanding Balance WA months to maturity WA seasoning ,94% 36,8 19, ,66% 30,5 26, ,34% 17,8 41, ,06% 8,0 54, ,00% 1,0 65, Months on book TOTAL Total % Santander Consumer Bank AS Strandveien 18 PO Box 177 N-1325 Lysaker Tel.: Fax.:

19 Outstanding Principal Balance SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Seasoning Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : , , ,00 Seasoning (Total) , ,00 0, Months on Book

20 13.a Balloon loans Monthly Period Dec 2015 Fixed rate = 30/360 days Balloon loans in % of portfolio Min No Outstanding balance TOTAL % of Outstanding Balance Residual Value Residual of Total WA months to maturity WA seasoning Standard ,59% ,00% 33,7 21,2 Balloon ,41% ,08% 37,5 21,3 Total % ,53%

21 13.b Balloon loans Monthly Period Dec 2015 Fixed rate = 30/360 days : : : : : : : : : : : : : Balloon loans in % of portfolio 41% Standard Balloon 59%

22 14.a # loans per borrower Monthly Period Dec 2015 Fixed rate = 30/360 days Total number of loans Total number of debtors Outstanding balance % ,49% ,59% ,28% ,18% ,06% ,10% ,06% ,03% ,06% ,09% 121-< ,04% # loans per borrower TOTAL Total: ,0 %

23 Outstanding Principal Balance SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b # loans per borrower Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : # loans per borrower # loans

24 15.a Amortization Profile Monthly Period Dec 2015 Fixed rate = 30/360 days TOTAL Period Opening Balance Closing Balance Amortization Interest Yield Percentage Amortization profile (first 20 periods) ,01% 97,33% ,01% 94,67% ,01% 92,02% ,01% 89,37% ,01% 86,72% ,01% 84,08% ,01% 81,47% ,00% 78,86% ,00% 76,29% ,00% 73,74% ,00% 71,20% ,00% 68,60% ,00% 66,14% ,00% 63,69% ,99% 61,26% 121-< ,99% 58,79% ,99% 56,41% ,99% 54,08% ,98% 51,78% ,98% 49,54%

25 Amount Outstanding SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Amortization Profile Monthly Period Dec 2015 Fixed rate = 30/360 days Amortization Profile Closing balance EOP Period 1: : : : : : : : : : : : :

26 16.a Payment Holidays Monthly Period Dec 2015 Fixed rate = 30/360 days TOTAL Period No Number of periods granted Sum of Payments Closing Balance Payment Holiday Total:

27 # periods granted SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Payment Holidays Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : Payment Holidays Period

28 17.a Downpayment Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : Min (>=) Max (<) No TOTAL Outstanding balance % WA months to maturity WA seasoning : % 5% ,8 % 38,2 20, : % 10% ,9 % 37,3 21, : % 15% ,6 % 36,5 21, : % 20% ,3 % 35,5 21, : % 25% ,6 % 34,8 21, : % 30% ,9 % 34,9 21, : % 35% ,8 % 33,7 21, : 35% 100% ,1 % 30,4 21,2 Downpayment % Total %

29 Outstanding Principal Balance SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Downpayment Monthly Period Dec 2015 Fixed rate = 30/360 days Downpayment % 10% 15% 20% 25% 30% 35% 100% 0% 5% 10% 15% 20% 25% 30% 35% Period

30 18.a Vehicle Condtion Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : Vehicle condition No Outstanding balance TOTAL % WA months to maturity WA seasoning : New ,9 % 34,7 21, : Used ,1 % 35,6 21, : : Total % : : : : Vehicle condition

31 18.b Vehicle Condition Monthly Period Dec 2015 Fixed rate = 30/360 days Vehicle Condition New Used

32 19.a Borrower Type Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : Borrower type No TOTAL Outstanding balance % WA months to maturity WA seasoning : Company ,2 % 32,2 21, : Private ,8 % 35,9 21, : : Total % : : : : Borrower Type

33 19.b Borrower Type Monthly Period Dec 2015 Fixed rate = 30/360 days Borrower Type Company Private

34 20.a Vehicle type Monthly Period Dec 2015 Fixed rate = 30/360 days TOTAL Min No Outstanding balance % of Outstanding Balance WA months to maturity WA seasoning Campers ,51% 37,2 21,17 Vehicle type Caravans ,41% 36,6 21,49 Cars ,78% 35,3 21,24 Motorcycles ,40% 35,4 19,92 Vans ,90% 33,2 21, %

35 Outstanding Principal Balance SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Vehicle type Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : Vehicle Type Campers Caravans Cars Motorcycles Vans

36 21.a Restructured Loans Monthly Period Dec 2015 Fixed rate = 30/360 days TOTAL Period No Outstanding balance Restructured

37 # of Contracts SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Restructured Loans Monthly Period Dec 2015 Fixed rate = 30/360 days Restructured Loans 1: : : : : : : : : : : : : Period

38 22.a Dynamic Interest rate Monthly Period Dec 2015 Fixed rate = 30/360 days TOTAL Period Closing balance WA Interest rate ,01% ,01% ,01% ,00% ,99% ,99% ,99% ,98% ,97% Interest rate evolution ,96% ,95% ,95% ,94% ,940 %

39 Interest Rate SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Dynamic Interest Rate Monthly Period Dec 2015 Fixed rate = 30/360 days 1: : : : : : : : : : : : : 7,00% 6,00% 5,00% 4,00% Dynamic Interest Rate 3,00% 2,00% 1,00% 0,00% Period

40 23.a Dynamic Pre-Payments Monthly Period Dec 2015 Fixed rate = 30/360 days TOTAL Period Sum of Pre-Payments Closing Balance CPR Annual ,43% ,64% ,62% ,40% ,11% ,43% ,36% ,31% ,72% Dynamic Prepayment ,56% ,18% ,88% ,03% ,81%

41 Outstanding Principal Balance SCFI Rahoituspalvelut Ltd Reporting Date 27/01/ b Dynamic Pre-Payments Monthly Period Dec 2015 Fixed rate = 30/360 days 35,00% Prepayment 30,00% 25,00% 20,00% 15,00% 10,00% 5,00% 0,00% Period

42 24. Delinquency Monthly Period Dec 2015 Fixed rate = 30/360 days year mth Total outstanding accounts current balance current accounts 1-30 balance 1-30 accounts balance accounts balance accounts balance accounts balance accounts balance New defaults Count New defaults Balance

43 25. Defaults, Recoveries and Losses by Quarter of Default Monthly Period Dec 2015 Fixed rate = 30/360 days Recovery Quarter Default Quarter Default Amount No Of Loans Recoveries Cum. Recoveries Loss Recoveries Cum. Recoveries Loss Recoveries Cum. Recoveries Loss Recoveries Cum. Recoveries Loss Recoveries Cum. Recoveries Loss

44 26. Priority of Payments Monthly Period Dec 2015 Fixed rate = 30/360 days Purchaser Priority of Payments Purchaser Available Distribution Amount ,27 EUR Senior Expenses - 416,00 EUR Servicing Fee ,00 EUR Servicer Advance Reserve Fund Replenishment - - EUR Interest on Loan to Issuer ,30 EUR Principal on Loan to Issuer ,97 EUR - Issuer Priority of Payments Issuer Available Distribution Amount ,36 EUR Senior Expenses - 416,00 EUR Interest Class A ,00 EUR Interest Class B ,00 EUR Credit the Reserve Account up to the requirred Liquidity Reserve Amount ,34 EUR Prior to PDTE - Interest on Class C notes ,00 EUR Prior to PDTE - Interest on Class D notes ,00 EUR Principal Payments on Class A ,97 EUR Principal Payments on Class B - - EUR Principal Payments on Class C - - EUR Principal Payments on Class D - - EUR Interest on Class E notes ,00 EUR Principal Payments on Class E - - EUR Credit Reserve Account up to Required Reserve Amount ,00 EUR Interest on Class F notes ,00 EUR Principal Payments on Class F - - EUR Interest and Principal on Expenses Advance ,50 EUR Interest Issuer Subordinated Loan ,66 EUR Principal Issuer Subordinated Loan ,81 EUR Payment to Purchaser ,08 EUR - Purchaser Priority of Payments: Second Pass Available Distribution Amount ,08 EUR Interest on Purchaser Subordinated Loan (SAF) - 30,05 EUR Principal on Purchaser Subordinated Loan (SAF) - - EUR Payment of residual funds to Seller = ,03 EUR

45 27. Transaction Costs Monthly Period Dec 2015 Fixed rate = 30/360 days Transaction Costs Currency All Notes Class A Class B Class C Class D Class E Class F Senior Expenses EUR 416,00 Interest accrued for the Period EUR , , , , , , ,00 Cumulative Interest accrued EUR , , , , , , ,00 Interest Payments EUR , , , , , , ,00 Cumulative Interest Payments EUR , , , , , , ,00 Interest accrued on Subordinated Loan for the Period EUR 1.330,66 Cumulative Interest accrued on Subordinated Loan EUR ,11 Interest Payments on Subordinated Loan EUR 1.330,66 Cumulative Interest Payments on Subordinated Loan EUR ,11 Unpaid Interest for the Period EUR - Cumulative Unpaid Interest EUR -

46 28. Contact Details Monthly Period Dec 2015 Fixed rate = 30/360 days Santander Consumer Bank AS Financial Markets Anders Bruun-Olsen Priscilla Halverson Anders Fuglsang Ellen Belck-Olsen Risk Morten Christopher Freberg Holme

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