Skuld's Annual Review and Accounts for the year ending 20 February 2013 has been published. DIVERSIFICATION FUELS GROWTH "Investment in diversification has resulted in a stronger than ever financial position, enabling us to provide our members with increased security and innovative services." Douglas Jacobsohn President and CEO   QUALITY RATHER THAN QUANTITY "Yes, our goals involve quantity in terms of growth, but at the same time we want to provide the very best quality in everything we do." Klaus Kjærulff Chairman of the Board Please see full report on our Financial reports page.