HANSAPANK

INCOME STATEMENT



HANSA CAPITAL GROUP'S INCOME STATEMENT, 9 MONTHS 2001



Income statement                                                     

                                        

(in EEK, millions, unaudited)             9 m 2001     2000  9 m 2000

Interest Income                            1,129.2  1,093.6     765.6

Interest Expenses                            629.9    607.9     427.0

Net Interest Income                          499.2    485.7     338.6

                                                                     

Commission Income                            173.9    180.5     125.7

Commission Expenses                           18.6     19.8      14.2

Other Operating Income                        70.1     66.7      51.5

TOTAL REVENUE                                724.7    713.1     501.6

                                                                     

General & Administrative Expenses            181.3    222.2     136.6

Profit Before Credit Losses and              543.4    490.9     365.0

Financial Income

Credit Losses (net)                            2.8    118.8      72.8

Net Financial Income                           4.8      5.1      11.5

Operating Profit                             545.4    377.2     303.6

Net Income from Equity Investments             0.0      0.2       0.6

Extraordinary Income (Expense)                -0.0     22.3      22.3

PROFIT BEFORE INCOME TAX                     545.4    399.7     326.5

Income Tax (inc. Deferred tax)                12.5      3.4      12.5

Minority Interest                             -0.0      0.5       0.7

NET PROFIT                                   533.0    395.8     313.2





Mart Tõevere

Head of investor relations

+372 6131 569