HANSAPANK

BALANCE SHEET



UNCONSOLIDATED BALANCE SHEET 30.11.99



EEK in millions, unaudited                         30/11/99   31/10/99

                                                                      

Assets                                                                

Cash                                                  635.7      577.7

Due from Central Bank                               1,671.6    2,187.2

Due from other financial institutions               2,479.3    2,740.8

Treasury securities                                 2,317.4    2,001.5

Trading securities                                    127.3      128.3

  Debt securities                                      66.3       81.7

  Equity                                               61.0       46.5

Investment securities                               2,172.9    2,122.1

  Debt securities                                   1,686.0    1,634.6

  Equity                                              486.9      487.4

    Incl. Subsidiaries' shares                        466.8      466.8

          Affiliated companies' shares                  7.5        7.5

          Other                                        12.6       13.1

Securities purchased under resale agreements           59.2       70.8

Loans                                              13,693.0   13,092.4

   - Allowances for credit losses                   (340.5)    (328.0)

Net loans                                          13,352.5   12,764.3

Premises and equipment, net                           560.0      562.9

Goodwill                                              547.2      564.2

Prepayments and accrued interest                      507.3      462.6

Other assets                                          228.0      171.3

Total assets                                       24,658.4   24,353.6

                                                                      

Liabilities                                                           

Due to Central Bank and government                    165.2      171.1

Due to other financial institutions                 2,507.6    2,627.9

Deposits                                           15,074.9   14,997.5

   Demand deposits                                 10,792.4   10,213.9

   Time deposits                                    4,282.5    4,783.6

Securities sold under repurchase agreements            19.0       21.8

Debt securities issued to the public                  690.5      664.5

Accrued liabilities                                   302.7      329.2

Appropriations                                        112.6      105.6

Other liabilities                                     818.2      498.4

Total liabilities                                  19,690.7   19,416.1

                                                                      

Subordinated debt                                     396.9      396.9

                                                                      

Shareholders' equity                                                  

Common stock                                          787.6      787.6

Capital surplus                                     2,756.8    2,756.8

Reserves                                              347.1      347.1

Treasury stock                                          0.0        0.0

Retained earnings                                     679.3      649.1

Total shareholders' equity                          4,570.8    4,540.6

Total liabilities and shareholders' equity         24,658.4   24,353.6





Mart Tõevere

Analyst

+372 6131 569