Andmed seisuga: 22.07.2024 01:04 (GMT+3)
Hansapank FINANCIAL RESULTS 02/12/2004
CONSOLIDATED FINANCIAL RESULTS, 2003 2/2
COUNTRY-BASED BALANCE SHEET, 31.12.2003
(in millions of euros, Est Lat Lit Rus Other* Elimin.
unaudited)
Assets
Cash 51.6 45.5 62.9 - - -
Due from Central Bank 179.6 37.0 145.3 - - -
Due from other financial 401.2 113.6 100.4 0.7 1.6 -52.5
institutions
Treasury securities 7.9 195.3 158.7 - - -
Trading securities 10.3 8.4 74.2 - - -
Investment securities 43.6 5.7 101.8 - - -
Loans 2,201.6 965.4 1,074.8 152.4 2.8 -1.5
- Allowances for credit -32.9 -12.2 -13.2 -2.0 -0.6 -
losses
Net loans 2,168.7 953.2 1,061.5 150.4 2.2 -1.5
Tangible assets 32.8 34.5 44.8 - 5.1 -
Intangible assets 3.0 2.5 12.5 - - -
Prepayments and accrued 96.9 30.8 31.0 7.3 2.2 -2.7
interest
Other assets 53.6 18.7 13.3 0.2 5.2 -10.7
Total assets 3,049.2 1,445.3 1,806.5 158.7 16.4 -67.4
Liabilities
Due to Central Bank and 16.3 31.0 2.7 - - -
government
Due to other financial 353.6 252.8 21.4 87.7 12.7 -267.2
institutions
Deposits 1,895.4 881.3 1,301.8 - - -1.8
Demand deposits 1,423.6 591.4 877.5 - - -1.8
Time deposits 471.8 289.8 424.3 - - -
Debt securities 775.3 22.1 - - - -22.1
Accrued liabilities 79.9 23.8 30.0 2.7 1.4 -2.8
Appropriations 44.7 3.2 0.9 - 0.1 -
Other liabilities 53.7 72.5 21.1 - - -10.2
Minority ownership 0.6 0.1 0.9 6.7 - -
Subordinated liabilities 40.8 10.2 - - - -7.0
Internal funding -443.4 40.4 300.0 51.5 0.1 51.4
adjustments
Shareholders' equity 232.2 107.9 127.7 10.1 2.1 192.3
Total liabilities and 3,049.2 1,445.3 1,806.5 158.7 16.4 -67.4
shareholders' equity
*Others include the Ukrainian leasing portfolio and non-core
activities
COUNTRY-BASED INCOME STATEMENT, 2003
(in millions of euros, Est Lat Lit Rus Other* Elimin.
unaudited)
Interest income 176.1 66.6 68.3 9.7 0.7 -4.6
Interest expense -63.1 -22.1 -24.4 -3.0 -1.1 4.7
Interest income, net 113.1 44.5 43.9 6.7 -0.3 0.1
Fee and commission income 66.7 29.5 30.0 2.5 3.0 -1.6
Fee and commission -14.5 -7.0 -6.6 -0.8 -0.2 1.0
expense
Fees and commissions, net 52.2 22.5 23.5 1.7 2.8 -0.6
Net result from financial 14.6 12.4 9.2 0.6 - -
operations
Net income from insurance 1.7 - - - - -
activities
Other income 4.5 3.2 3.1 - 1.3 -0.4
Total income 186.1 82.6 79.6 8.9 3.8 -0.8
Operating expenses
Personnel expenses 39.4 17.6 26.5 0.3 1.7 -
Data network expenses 5.8 3.2 5.9 - - -0.2
Administrative expenses 12.6 10.3 10.8 0.1 0.7 -0.7
Other expenses 8.8 5.3 5.6 0.2 1.1 0.1
incl. goodwill 0.2 1.2 4.9 - - -
amortisation
Depreciation 8.6 6.6 7.1 - 0.3 -
Group overhead adjustment -3.9 1.7 1.6 0.5 - -
Total operating expenses 71.6 46.0 62.4 1.2 3.7 -0.8
Operating profit before 114.5 36.7 17.2 7.8 - -0.1
provisions
Losses on loans and -17.5 -14.5 -6.1 -1.7 -1.9 -
guarantees
Recovered loans 4.7 1.9 5.6 - - -
Income from associated 0.2 - 0.1 - - -
companies
Profit before income tax 101.9 24.2 16.9 6.1 -1.9 -0.1
Income tax -10.4 -4.3 -0.5 -0.1 - -
Profit after income tax 91.5 19.9 16.3 6.0 -1.9 -0.1
Minority interest 0.1 - -0.1 -0.8 - -
Net profit 91.5 19.9 16.2 5.2 -1.9 -0.1
*Others include the Ukrainian leasing portfolio and non-core
activities
COUNTRY-BASED BALANCE SHEET - ESTONIA
(in millions of euros, 31.12.03 30.09.03 30.06.03 31.03.03 31.12.02
unaudited)
Assets
Cash 51.6 45.9 48.0 41.5 53.6
Due from Central Bank 179.6 160.7 115.5 184.3 104.9
Due from other financial 401.2 359.5 427.2 656.5 397.8
institutions
Treasury securities 7.9 8.6 8.7 9.2 9.5
Trading securities 10.3 11.1 11.7 14.1 11.5
Investment securities 43.6 38.6 34.5 30.4 30.4
Loans 2,201.6 2,062.7 1,933.3 1,832.6 1,803.6
- Allowances for credit -32.9 -33.3 -30.7 -29.0 -26.5
losses
Net loans 2,168.7 2,029.3 1,902.6 1,803.6 1,777.2
Tangible assets 32.8 34.3 35.6 36.5 38.5
Intangible assets 3.0 3.8 4.4 3.5 4.0
Prepayments and accrued 96.9 107.9 107.7 89.5 105.2
interest
Other assets 53.6 50.7 47.8 44.8 34.9
Total assets 3,049.2 2,850.5 2,743.8 2,913.8 2,567.4
Liabilities
Due to Central Bank and 16.3 12.0 11.8 12.6 6.3
government
Due to other financial 353.6 359.9 347.0 269.8 353.7
institutions
Deposits 1,895.4 1,872.9 1,899.5 1,880.0 1,740.0
Demand deposits 1,423.6 1,366.8 1,326.4 1,264.7 1,221.8
Time deposits 471.8 506.1 573.1 615.3 518.1
Debt securities 775.3 491.8 480.2 662.3 361.5
Accrued liabilities 79.9 75.2 72.4 78.0 84.8
Appropriations 44.7 41.3 38.4 35.3 34.0
Other liabilities 53.7 59.5 61.3 57.7 52.6
Minority ownership 0.6 0.8 0.8 0.2 0.2
Subordinated liabilities 40.8 40.8 40.8 40.9 40.8
Internal funding -443.4 -327.1 -419.5 -325.9 -307.5
adjustments
Shareholders' equity 232.2 223.2 211.0 203.1 201.0
Total liabilities and 3,049.2 2,850.5 2,743.8 2,913.8 2,567.4
shareholders' equity
COUNTRY-BASED INCOME STATEMENT - ESTONIA
(in millions of euros, Q4 2003 Q3 2003 Q2 2003 Q1 2003 Q4 2002
unaudited)
Interest income 43.3 42.4 45.0 45.5 46.9
Interest expense -14.6 -15.3 -15.7 -17.4 -16.7
Interest income, net 28.7 27.1 29.2 28.1 30.2
Fee and commission income 17.7 17.2 17.2 14.6 17.0
Fee and commission -3.9 -3.8 -3.5 -3.3 -3.7
expense
Fees and commissions, net 13.8 13.4 13.7 11.4 13.3
Net result from financial 3.8 3.6 4.2 3.0 3.7
operations
Net income from insurance 0.3 0.4 0.4 0.6 0.4
activities
Other income 1.0 1.3 1.3 0.9 0.7
Total income 47.5 45.8 48.8 44.0 48.3
Operating expenses
Personnel expenses 10.6 9.5 9.9 9.3 10.7
Data network expenses 2.0 1.3 1.4 1.1 1.4
Administrative expenses 3.3 3.1 3.1 3.0 3.4
Other expenses 2.7 2.2 2.3 1.7 4.5
incl. goodwill - 0.1 0.1 - -
amortisation
Depreciation 2.1 2.1 2.1 2.4 2.5
Group overhead adjustment -1.3 -1.0 -1.0 -0.7 -2.1
Total operating expenses 19.4 17.4 17.9 16.8 20.4
Operating profit before 28.1 28.4 30.9 27.2 27.9
provisions
Losses on loans and -3.7 -5.8 -4.2 -3.9 -4.0
guarantees
Recovered loans 1.5 1.6 0.6 1.0 0.9
Income from associated - 0.1 0.1 - -
companies
Profit before income tax 25.9 24.3 27.4 24.3 24.8
Income tax - - -9.9 -0.5 -
Profit after income tax 25.9 24.3 17.5 23.8 24.8
Minority interest 0.1 - -0.1 - -
Net profit 26.0 24.3 17.4 23.8 24.8
COUNTRY-BASED BALANCE SHEET - LATVIA
(in millions of euros, 31.12.03 30.09.03 30.06.03 31.03.03 31.12.02
unaudited)
Assets
Cash 45.5 41.3 44.9 41.9 49.5
Due from Central Bank 37.0 33.0 50.4 28.4 32.3
Due from other financial 113.6 87.6 56.7 80.6 104.0
institutions
Treasury securities 195.3 163.3 116.3 117.6 101.7
Trading securities 8.4 9.6 9.3 7.6 9.7
Investment securities 5.7 5.7 5.8 5.8 7.4
Loans 965.4 901.6 839.3 814.5 769.8
- Allowances for credit -12.2 -12.2 -11.3 -11.0 -9.1
losses
Net loans 953.2 889.4 827.9 803.4 760.7
Tangible assets 34.5 32.2 29.2 28.6 25.5
Intangible assets 2.5 2.9 3.3 3.7 4.2
Prepayments and accrued 30.8 24.7 22.3 22.1 25.4
interest
Other assets 18.7 12.8 19.2 8.2 11.3
Total assets 1,445.3 1,302.6 1,185.2 1,148.0 1,131.6
Liabilities
Due to Central Bank and 31.0 22.3 - - 2.0
government
Due to other financial 252.8 152.1 126.0 82.3 90.9
institutions
Deposits 881.3 869.2 802.7 806.3 772.1
Demand deposits 591.4 591.9 539.4 520.5 529.8
Time deposits 289.8 277.3 263.3 285.8 242.3
Debt securities 22.1 23.0 23.2 24.0 24.5
Accrued liabilities 23.8 21.8 20.8 20.4 20.7
Appropriations 3.2 4.8 4.5 4.5 4.8
Other liabilities 72.5 53.4 67.0 70.5 77.7
Minority ownership 0.1 0.1 0.1 0.1 0.1
Subordinated liabilities 10.2 10.5 10.5 10.7 11.5
Internal funding 40.4 40.1 35.3 37.0 40.8
adjustments
Shareholders' equity 107.9 105.5 95.2 92.1 86.8
Total liabilities and 1,445.3 1,302.6 1,185.2 1,148.0 1,131.6
shareholders' equity
COUNTRY-BASED INCOME STATEMENT - LATVIA
(in millions of euros, Q4 2003 Q3 2003 Q2 2003 Q1 2003 Q4 2002
unaudited)
Interest income 17.8 16.8 16.0 16.0 16.8
Interest expense -5.9 -5.5 -5.4 -5.3 -5.7
Interest income, net 11.9 11.3 10.6 10.7 11.2
Fee and commission income 8.4 7.6 7.3 6.3 6.9
Fee and commission -2.0 -1.9 -1.6 -1.5 -1.8
expense
Fees and commissions, net 6.4 5.7 5.6 4.8 5.1
Net result from financial 3.3 3.6 3.0 2.5 3.3
operations
Net income from insurance - - - - -
activities
Other income 0.2 1.1 1.3 0.7 1.0
Total income 21.8 21.7 20.5 18.7 20.6
Operating expenses
Personnel expenses 4.8 4.2 4.4 4.3 5.1
Data network expenses 1.0 0.8 0.8 0.7 1.0
Administrative expenses 2.7 2.6 2.5 2.5 3.2
Other expenses 1.6 1.1 1.4 1.2 1.7
incl. goodwill 0.3 0.3 0.3 0.3 0.3
amortisation
Depreciation 1.2 1.7 1.8 1.9 1.8
Group overhead adjustment 0.6 0.5 0.4 0.3 0.8
Total operating expenses 12.2 11.1 11.6 11.0 13.8
Operating profit before 9.5 10.6 8.9 7.7 6.8
provisions
Losses on loans and -3.4 -4.4 -3.3 -3.3 -3.2
guarantees
Recovered loans 0.7 0.7 0.2 0.3 1.4
Income from associated - - - - -
companies
Profit before income tax 6.8 6.8 5.8 4.8 5.0
Income tax -0.7 -1.2 -1.6 -0.8 -1.2
Profit after income tax 6.1 5.6 4.2 4.0 3.8
Minority interest - - - - -
Net profit 6.1 5.6 4.2 4.0 3.8
COUNTRY-BASED BALANCE SHEET - LITHUANIA
(in millions of euros, 31.12.03 30.09.03 30.06.03 31.03.03 31.12.02
unaudited)
Assets
Cash 62.9 49.1 51.6 47.0 52.6
Due from Central Bank 145.3 71.8 103.7 100.3 66.4
Due from other financial 100.4 126.7 151.5 90.2 87.2
institutions
Treasury securities 158.7 145.4 188.7 176.4 212.1
Trading securities 74.2 63.9 65.2 76.4 70.8
Investment securities 101.8 112.1 118.9 174.1 200.7
Loans 1,074.8 942.2 846.7 776.2 728.7
- Allowances for credit -13.2 -12.1 -11.7 -11.1 -10.7
losses
Net loans 1,061.5 930.0 835.0 765.0 718.0
Tangible assets 44.8 44.0 46.9 48.8 52.0
Intangible assets 12.5 13.8 15.1 16.4 17.7
Prepayments and accrued 31.0 37.5 31.4 28.8 29.4
interest
Other assets 13.3 13.7 5.8 6.1 9.5
Total assets 1,806.5 1,607.9 1,613.7 1,529.7 1,516.5
Liabilities
Due to Central Bank and 2.7 2.1 0.8 0.8 0.6
government
Due to other financial 21.4 43.0 266.3 204.2 206.9
institutions
Deposits 1,301.8 1,160.8 1,113.2 1,059.9 1,056.0
Demand deposits 877.5 746.1 708.4 643.6 645.5
Time deposits 424.3 414.7 404.8 416.3 410.5
Debt securities - - - - -
Accrued liabilities 30.0 24.2 22.5 20.7 23.0
Appropriations 0.9 1.1 0.8 0.8 0.7
Other liabilities 21.1 22.0 25.3 35.4 19.6
Minority ownership 0.9 0.8 0.9 0.8 0.8
Subordinated liabilities - - - - -
Internal funding 300.0 232.8 69.3 99.4 102.0
adjustments
Shareholders' equity 127.7 121.1 114.7 107.8 106.8
Total liabilities and 1,806.5 1,607.9 1,613.7 1,529.7 1,516.5
shareholders' equity
COUNTRY-BASED INCOME STATEMENT - LITHUANIA
(in millions of euros, Q4 2003 Q3 2003 Q2 2003 Q1 2003 Q4 2002
unaudited)
Interest income 17.0 16.8 16.8 17.7 18.1
Interest expense -6.5 -5.8 -6.0 -6.2 -6.8
Interest income, net 10.5 11.0 10.8 11.5 11.3
Fee and commission income 8.2 7.6 7.4 6.9 6.9
Fee and commission -1.8 -1.9 -1.5 -1.4 -1.5
expense
Fees and commissions, net 6.3 5.8 5.9 5.5 5.4
Net result from financial 1.6 1.5 3.8 2.3 1.2
operations
Net income from insurance - - - - -
activities
Other income 0.7 0.8 1.2 0.4 0.4
Total income 19.1 19.1 21.7 19.7 18.2
Operating expenses
Personnel expenses 8.5 5.6 6.0 6.4 6.5
Data network expenses 1.5 1.3 1.4 1.6 1.5
Administrative expenses 2.9 2.6 2.6 2.7 3.0
Other expenses 1.9 1.6 1.2 0.9 1.5
incl. goodwill 1.2 1.2 1.2 1.2 1.2
amortisation
Depreciation 1.7 1.7 1.8 1.9 1.1
Group overhead adjustment 0.6 0.4 0.4 0.3 1.2
Total operating expenses 18.2 14.4 14.7 15.1 16.0
Operating profit before 0.9 4.7 7.0 4.6 2.2
provisions
Losses on loans and -2.0 -0.7 -2.3 -1.0 -0.9
guarantees
Recovered loans 1.2 1.3 1.0 2.1 1.4
Income from associated - - 0.1 - 0.3
companies
Profit before income tax 0.1 5.2 5.8 5.7 2.9
Income tax -0.3 -0.1 -0.1 - -
Profit after income tax -0.2 5.2 5.6 5.7 2.9
Minority interest - - -0.1 - -
Net profit -0.2 5.1 5.6 5.7 2.9
Mart Tõevere
Head of Communications and IR
+372 6131 569
Sisukaart