In  the  first six months of 2003 SEB Group profit is SEK 3.447 billion

(LVL  245.4  million).  This  is  a 1% increase over the same period in

2002,  whereas the Group costs have reduced by 6%. ROE is 11.6% and EPS

is  SEK  3.8  (LVL 0.27). SEB Baltic&Poland, consisting of the banks in

the  Baltic  countries  and  investment fund SEB Fundusz in Poland, has

earned SEK 386 million (LVL 27.5 million) in the first half of 2003.



In  the  first  six  months of 2003 Unibanka Group has earned LVL 6.232

million  (audited,  consolidated).  Comparing with the year before, net

profit  has  increased by 15.2% or LVL 823 thousand. As at end of June,

Group's  operating  income was LVL 22.378 million, or LVL 2.562 million

more than in the respective period of 2002.



During  the  first  six  months  the Group assets increased by LVL 60.6

million or 8.5% and were LVL 769.914 million on June 30. Loan portfolio

was  LVL  579.217 million: an increase of LVL 57.54 during a half-year.

The  deposit  value  grew  by LVL 66 million or 17% and was LVL 450.141

million  at  the  end of June. Capital and reserves stood at LVL 76.038

million.



Apart   from   the   bank,  Unibanka  Group  includes  leasing  company

"Unilīzings", pension fund "Unipensija" and Investment Company "Optimus

Fondi"  which  has  been acquired in spring this year. The consolidated

financial reports were audited by "Price WaterhouseCoopers".