000 EEK

000 EEK	BANK				GROUP
	1997 6 mo.	1996	1995	1994	1997 6 mo.	1996	1995
Interest income	259,679	334,181	185,422	93,106	272,663	340,288	183,252
Interest expenses	89,164	116,787	58,883	30,543	95,092	117,043	58,881
Net interest income	170,515	217,394	126,539	62,563	177,571	223,245	124,371
Income from long term equities	2,878	745	725	-1,409	-4,397	-692	346
Income from insurance operation	0	0	0	0	45,129	31,524	0
Income from other financial transactions	42,780	63,077	13,058	0	92,082	70,482	13,637
Commission received	79,328	91,833	50,933	25,262	81,927	95,903	51,623
Commission paid	20,653	23,059	12,807	5,756	21,200	24,796	13,019
Net commission income	58,675	68,774	38,126	19,506	60,727	71,107	38,604
Administrative expenses
Salary and social tax expenses	72,817	79,866	55,346	48,330	105,813	98,728	55,891
Other administrative expenses	53,079	117,580	52,879	29,235	62,815	126,302	52,726
Total administrative expenses	125,896	197,446	108,225	77,565	168,628	225,030	108,617
Other operating income	4,925	10,064	3,153	4,285	5,458	10,446	4,078
Depreciation and value adjustments to fixed assets	17,973	26,565	16,326	8,969	20,270	28,329	16,345
Loan losses and estimated loan guarantee losses	40,975	68,083	29,189	23,793	43,677	73,502	29,189
Profit/loss before taxes	94,929	67,960	27, 861	-25,382	143, 995	79,251	26,885
Income tax					7, 551	2,917	0
Profit/loss attributable to minority interests					3, 602	1,377	0
Net profit/loss	94,929	67,960	27,861	- 25,382	132, 842	74, 957	26,885