HANSAPANK

BALANCE SHEET



GROUP'S AUDITED BALANCE SHEET: 31.12.00



Audited, consolidated

in millions

                                      EEK                EUR

                              31.12.00  31.12.99  31.12.00  31.12.99

Assets                                                              

Cash                           1,374.4   1,135.8      87.8      72.6

Due from Central Bank          3,961.2   3,969.0     253.2     253.7

Due from other financial       1,836.4   1,917.2     117.4     122.5

institutions

Treasury securities            4,444.2   3,020.3     284.0     193.0

Trading securities               335.6     234.2      21.4      15.0

Investment securities          1,181.6   1,479.1      75.5      94.5

Securities purchased under     1,158.7     121.8      74.1       7.8

resale agreements

Loans                         27,561.5  19,461.8   1,761.5   1,243.8

  - Allowances for credit       -674.6    -646.9     -43.1     -41.3

losses

Net loans                     26,886.9  18,814.9   1,718.4   1,202.5

Tangible assets                1,275.6   1,140.0      81.5      72.9

Intangible assets                420.7     561.3      26.9      35.9

Prepayments and accrued        2,228.4   1,481.3     142.4      94.7

interest

Other assets                     491.8     376.4      31.4      24.1

Total assets                  45,595.5  34,251.3   2,914.1   2,189.1

                                                                    

Liabilities                                                         

Due to Central Bank and          140.8     172.5       9.0      11.0

government

Due to other financial         3,923.0   5,144.1     250.7     328.8

institutions

Deposits                      29,226.6  19,783.1   1,867.9   1,264.4

   Demand deposits            18,574.8  13,493.0   1,187.1     862.4

   Time deposits              10,651.8   6,290.1     680.8     402.0

Securities sold under                -     509.2         -      32.5

repurchase agreements

Debt securities issued to the  2,993.8   1,268.3     191.3      81.1

public

Accrued liabilities            1,346.0   1,036.9      86.0      66.3

Appropriations                   397.2     230.5      25.4      14.7

Deferred tax liability             7.3       0.4       0.5       0.0

Other liabilities              1,411.9     665.3      90.2      42.5

Total liabilities             39,446.6  28,810.3   2,521.1   1,841.3

Minority ownership                24.2      21.8       1.5       1.4

                                                                    

Subordinated liabilities         366.9     469.8      23.4      30.0

Shareholders' equity                                                

Common stock                     787.6     787.6      50.3      50.3

Share premium                  2,757.7   2,757.1     176.2     176.2

Treasury stock                  -128.5    -122.2      -8.2      -7.8

Reserves                         440.5     436.5      28.2      27.9

Other restricted equity          100.5      20.5       6.4       1.3

Currency translation reserve      36.7      38.3       2.3       2.4

Retained earnings              1,763.3   1,031.6     112.7      65.9

Total shareholders' equity     5,757.8   4,949.4     368.0     316.3

Total liabilities and         45,595.5  34,251.3   2,914.1   2,189.1

shareholders' equity





Mart Tõevere

Head of Investor Relations

+372 6131 569