SAMPO PANK

BALANCE SHEET



CONSOLIDATED BALANCE SHEET AS OF 30.09.2001



Consolidated, unaudited

ths.EEK

                                                            30.09.01   31.12.00



1. Cash                                                       60 100     57 015

2. Claims and loans                                        3 855 552  3 510 268

2a. Claims and loans to central bank                         228 505    528 159

2b. Claims and loans to credit institutions                  611 691    814 700

2c. Claims and loans to clients of credit institution      2 360 677  1 797 080

2d. Claims and loans to clients of leasing enterprises       792 571    473 584

2e. Claims from insurance and reinsurance activities               0          0

2f. Other claims                                                   0          0

2g. Uncollectible claims and loans                         - 137 892  - 103 255

3. Debt securities                                           782 878    401 347

4. Shares and other securities                                22 250     43 045

5. Investments in associates                                  18 106     16 337

6. Intangible assets                                           4 660      4 987

6a.Consolidated goodwill                                           0          0

6b. Other intangible assets                                    4 660      4 987

7. Tangible assets                                           145 438    154 573

8. Settlements with shareholders                                   0          0

9. Other assets                                               92 232     54 641

10. Prepayments and accured income                            70 624     75 864

TOTAL ASSETS                                               5 051 840  4 318 077



1. Amounts owed                                            3 503 274  2 571 126

1a. Amounts owed to the central bank                           1 312      2 588

1b. Amount owed to the credit institutions                   591 375    515 722

1c. Amounts owed to the clients of credit institutions     2 828 859  1 968 892

1d. Amounts owed from insurance and reinsurance activities         0          0

1e. Other amounts owed                                        81 728     83 924

2. Debts evidenced by certificates                           527 941    735 436

3. Other liabilities                                         342 241    479 339

4.  Accruals and deferred income                              97 545     97 303

5. Provisions for liabilities                                      0          0

5a. Technical allowances for insurance activities                  0          0

5b. Deferred income tax liability                                  0          0

5c. Pension reserve                                                0          0

6. Subordinated liabilities                                  194 500    194 500

7. Minority interests                                              0          0

 Total liabilities                                         4 665 501  4 077 704

8a. Share capital                                            323 111    240 192

8b. Paid in capital over par                                  17 081          0

8c. General banking reserve                                        0          0

8d. Mandatory reserve                                              0          0

8e. Other reserves                                                 0          0

8f. Unrealised rate differences                                    0          0

8g. Profit or loss retained                                   46 147        181

8h. O/w profit or loss for the financial year                 45 966          0

8i. Own shares                                                     0          0

Total owners´equity                                          386 339    240 373

TOTAL LIABILITIES AND OWNERS´EQUITY                        5 051 840  4 318 077





Kristjan Jõevere

PR manager

+372 6 302 246