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A/S Latvijas Unibank (LVUD)

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Wednesday 10 May, 2000

A/S Latvijas Unibank

Results to 30 April 2000

A/S Latvijas Unibanka
9 May 2000

                         A/S LATVIJAS UNIBANKA
               Non-consolidated balance sheet as at 30 April 2000  
                         (in thousands of LVL) 

                                                       30.04.00.
                                                       (unaudited)  
Assets

Cash and deposits with the Bank of Latvia               28 577 

Net balances due from credit institutions               43 917 

Net loans and advances to non-banking customers        229 031 

Net securities and investments                          42 565 

Fixed assets                                            19 954 

Other assets                                             4 877  

Total assets:                                          368 920 


Liabilities and shareholders equity

Balances due to credit institutions                     78 547 

Deposits from the public*                              231 998 
Including deposits from individuals                     63 963 

Other liabilities                                        5 070 

Issued debt securities                                   5 250 

Subordinated capital                                    10 470 

Shareholders equity                                     37 586 
Including paid-in share capital                         37 106 

Total liabilities and shareholders equity              368 920  

* Deposits from the public include also money in transit.  Money in transit
represents amounts of customer transfers that were not completed at the end of
the reporting period.


                              A/S LATVIJAS UNIBANKA 

Non consolidated profit and loss account for 4 month period ended 30 April 2000
(in thousands of LVL) 

                                                         01.01.00 - 30.04.00 
                                                            (unaudited) 

Net interest income                                           5 316 

Net commission and fee income                                 3 222 

Profit (loss) on securities trading and foreign exchange,
net                                                           1 605 

Other operating income                                           77 

Operating income                                             10 220 

Administrative expense                                       (5 480) 
Amortization and depreciation charge                           (805) 

Net provisions for bad and doubtful debts                       142 

Profit on revaluation of long term investments, net             135 

Profit before corporate taxes                                 4 212  
                                     
Corporate taxes                                                (864) 

Net profit (loss) for the period                              3 349 

                                                                                                                                      

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