HANSAPANK

BALANCE SHEET



CONSOLIDATED BALANCE SHEET, 30.06.2000



Balance Sheet                          Group                    Bank       

(EEK in mil., unaudited)   30/06/00 31/12/99 30/06/99 30/06/00 31/12/99 30/06/99

                                                                           

Assets                                                                     

Cash                         1,096.3 1,135.8 1,073.3   648.2   725.7  789.7

Due from Central Bank        3,484.7 3,969.0 2,474.1 3,213.0 3,203.8 2,018.5

Due from other financial     5,727.2 1,917.2 4,231.1 3,578.2 1,190.8 3,052.4

institutions

Treasury securities          2,586.5 3,020.3 1,719.8   896.1 2,344.9 1,218.3

Trading securities             365.8   234.2   161.8   209.4   195.2  158.8

  Debt securities              254.4   170.9   124.0   106.1   133.3  124.8

  Equity                       111.4    63.3    37.9   103.3    61.9   34.0

Investment securities        1,240.2 1,479.1 1,085.4 2,214.8 2,404.9 1,771.8

  Debt securities            1,194.9 1,439.3   969.1 1,278.9 1,756.5 1,275.2

  Equity                        45.3    39.8   116.3   935.9   648.4  496.7

  Incl. Subsidiaries' shares     0.0     0.0     0.0   910.4   626.8  466.5

        Affiliated              15.6    15.5    17.9    11.5     7.5    8.1

companies' shares

        Other                   29.7    24.3    98.4    14.0    14.2   22.0

Securities purchased under     163.3   121.8   713.4    31.8   188.8  704.6

resale agreements

Loans                        22,464. 19,461. 16,827. 16,304. 13,962. 12,138.

                                   9       8       5       6       2      0

  - Allowances for credit    (680.2) (646.9) (769.0) (271.1) (323.8) (384.8)

losses

Net loans                    21,784. 18,814. 16,058. 16,033. 13,638. 11,753.

                                   8       9       5       5       4      2

Tangible assets              1,250.5 1,178.5   985.1   568.5   654.0  527.3

Intangible assets              538.1   522.8   623.0   457.2   530.1  632.6

Prepayments and accrued      1,988.0 1,481.3 1,420.4   636.3   510.9  450.7

interest

Other assets                   789.1   376.4   337.1   566.3   218.2  289.6

Total assets                 41,014. 34,251. 30,883. 29,053. 25,805. 23,367.

                                   7       3       0       3       8      5

                                                                           

Liabilities                                                                

Due to Central Bank and        158.5   172.5   184.6   158.5   162.3  177.2

government

Due to other financial       4,758.8 5,144.1 5,145.6 2,179.0 2,709.3 2,639.2

institutions

Deposits                     25,477. 19,783. 16,904. 17,985. 15,377. 13,633.

                                   6       1       2       9       6      8

   Demand deposits           17,409. 13,493. 12,393. 12,461. 10,581. 9,925.7

                                   6       0       3       2       6

   Time deposits             8,068.0 6,290.0 4,510.9 5,524.7 4,796.0 3,708.2

Securities sold under          109.6   509.2    17.3   134.5   509.2   17.3

repurchase agreements

Debt securities issued to    2,837.1 1,268.3 1,683.6 2,554.6   700.4 1,027.3

the public

Accrued liabilities          1,124.6 1,036.9   854.3   367.8   375.0  311.5

Appropriations                 307.5   230.9   283.1   279.5     0.0   72.2

Other liabilities              588.1   665.3   737.3   498.6   882.8  705.7

Total liabilities            35,361. 28,810. 25,809. 24,158. 20,716. 18,584.

                                   8       3       9       4       7      3

Minority ownership              22.2    21.8    16.9                   

                                                                           

Subordinated liabilities       474.1   469.8   468.0   396.9   396.9  396.9

Shareholders' equity                                                       

Common stock                   787.6   787.6   787.6   787.6   787.6  787.6

Share premium                2,757.1 2,757.1 2,757.1 2,756.8 2,756.8 2,756.8

Treasury stock                 -67.6  -122.2   -49.9   -67.6     0.0    0.0

Reserves                       437.3   436.4   354.2   420.5   347.1  347.1

Other restricted equity         20.5    20.5    20.5     0.0     0.0    0.0

Currency translation reserve    53.7    38.3    17.7     0.0     0.0    0.0

Retained earnings            1,168.0 1,031.6   701.1   600.7   800.6  494.8

Total shareholders' equity   5,156.6 4,949.4 4,588.3 4,498.0 4,692.2 4,386.3

Total liabilities and        41,014. 34,251. 30,883. 29,053. 25,805. 23,367.

shareholders' equity               7       3       0       3       8      5





Mart Tõevere

Investor relations

+372 6131 569