SAMPO PANK

INCOME STATEMENT



CONSOLIDATED INCOME STATEMENT, 9 MONTHS 2001



Consolidated, unaudited

ths.EEK

                                           30.09.01 30.09.00 Q3 2001 Q3 2000



1.Interest revenue                           268 497 178 302  97 312  64 385

1a.Interest revenue from banking activities  206 594 147 928  73 570  51 863

1b.Interest revenue from leasing activities   61 903  30 374  23 742  12 522

1c.Other interest revenue                          0       0       0       0

2.Interest expense                           136 743  92 242  46 648  31 893

2a.Interest expense from banking activities  136 298  92 242  46 203  31 897

2b.Interest expense from leasing activities      445       0     445       0

2c.Other interest expense                          0       0       0    -  4

3.Net interest income (loss) (+/-)           131 754  86 060  50 664  32 492

4.Income and expenses from insurance 

activities					   0       0       0       0

4a.Insurance premiums                              0       0       0       0

4b.Insurance compensations and change in 

reserves					   0       0       0       0

5.Income from securities                       2 903   1 676    -  1     196

6.Equity method gains (losses) (+/-)           1 768       0    -  1       0

7.Fees and commissions income                 51 809  39 356  18 085  13 644

  7a. Fees and commissions revenue            67 962  52 967  23 759  18 683

  7b. Fees and commissions expense            16 153  13 611   5 674   5 039

8.Net profit (loss) on financial 

operations (+/-)			      35 287  38 803  12 743  13 040

9.General administrative expenses            117 251  92 939  38 273  28 876

  9.a Salaries expense                        50 403  40 521  17 290  12 601

  9.b Social security expense                 16 586  13 604   5 697   4 120

  9.c Pension expenses (non-state)                 0       0       0       0

  9.d Other administrative expenses           50 262  38 814  15 286  12 155

10.Value adjustments in tangible and 

intangible assets (+/-)			     -14 922 -38 440  -4 856 -12 419

11.Value adjustments in loans and 

off-balance sheet items			     -39 310 -23 032 -21 085 -12 850

12.Value adjustments in long-term 

investments (+/-)			      -1 000   - 300  -1 000   - 179

13.Other operating income                     -4 162   2 827  -1 385   - 636

13a. Other operating revenue                   9 246  11 083   3 363   2 366

13b. Other operating expenses                 13 408   8 256   4 748   3 002

14.Extraordinary income/expenses (+/-)             0       0       0       0

15.Profit/loss before taxation (+/-)          46 876  14 011  14 891   4 412

16.Income tax expenses                           910       0   - 113       0

16a. Income tax for reporting period             910       0   - 113       0

16b. Change in deferred income tax 

liability (+/-)				           0       0       0       0

17.Minority share of profits                       0   - 314       0   - 109

18.PROFIT (LOSS) FOR THE FINANCIAL YEAR (+/)  45 966  14 325  15 004   4 521





Kristjan Jõevere

PR manager

+372 6 302 246