|  |  | 
| Developement of volume |  | 
| Total assets | 738 349 | 752 291 | 776 418 | 793 028 | 819 043 | 
|  |  | 
| Capital assets |  | 
| Investments in subsidiaries | . | . | . | . | . | 
| Shares and primary capital certificates | . | . | . | . | . | 
| Shares in securities fund | . | . | . | . | . | 
| Bonds | . | . | . | . | . | 
|  |  | 
| Short-term investments |  | 
| Shares and primary capital securities | 115 542 | 122 989 | 121 172 | 138 212 | 148 306 | 
| Shares in securities fund | 110 823 | 125 690 | 132 061 | 140 718 | 148 435 | 
| Bonds and certificates | 408 700 | 412 010 | 404 594 | 400 986 | 404 560 | 
|  |  | 
| Loans utilizied | 44 528 | 49 361 | 65 650 | 69 211 | 69 355 | 
| Spesifications: |  | 
| Loans utilizied to the public | 33 695 | 38 847 | 39 217 | 41 356 | 42 923 | 
| Loans with mortgage on dwelling to the public | 11 946 | 12 009 | 12 231 | 12 246 | 12 247 | 
| Loans utilizied in foreign currency | 8 778 | 7 623 | 11 120 | 11 989 | 12 455 | 
| Specified provisions on loans | . | . | . | . | . | 
|  |  | 
| Unspecified provisions on loans | . | . | . | . | . | 
|  |  | 
| Deposits from the public | . | . | . | . | . | 
|  |  | 
| Loans: Bonds and certificates | 2 992 | 2 842 | 2 775 | 2 717 | 2 732 | 
|  |  | 
| Technical provisions in insurance | 661 885 | 676 467 | 699 510 | 714 528 | 739 735 | 
|  |  | 
| Equity | 38 640 | 41 717 | 43 383 | 44 720 | 45 590 | 
| Share- and primary certificate capital | 6 932 | 6 922 | 6 922 | 6 923 | 6 923 | 
|  |  | 
| Profit and loss account |  | 
| Net financial income | 6 224 | 12 547 | 18 211 | 25 137 | 7 360 | 
| Net gains on investments | . | . | . | . | . | 
| Premium income | 24 520 | 37 555 | 61 343 | 75 037 | 26 551 | 
| Claims incurred | 13 956 | 23 686 | 34 662 | 45 115 | 14 199 | 
| Net change in technical provisions | 12 376 | 23 076 | 45 014 | 63 349 | 22 302 | 
| Net losses on loans and guaranties | . | . | . | . | . | 
| Personnel costs | 620 | 1 185 | 1 808 | 2 404 | 599 | 
| Proft/loss before tax | -1 611 | 1 734 | 3 581 | 4 398 | 1 195 | 
|  |  | 
| Other key indicators |  | 
| Number of enterprises | 21 | 21 | 22 | 22 | 21 | 
| Claims on foreign debotors | 261 155 | 280 854 | 289 878 | 308 191 | 325 148 | 
| Of which: International reserves | .. | .. | .. | .. | .. | 
| Debts to foreign creditors | 11 479 | 8 738 | 8 451 | 9 785 | 8 142 | 
| Guaranties | 4 686 | 3 697 | 3 630 | 3 055 | 4 946 | 
|  |  | 
| Per cent |  | 
| Utilizied loan to the public in percent of totale sharecapital | 4.6 | 5.2 | 5.1 | 5.2 | 5.2 | 
| Foreign own share capital i percent of total sharecapital | 1.9 | 1.7 | 1.7 | 1.7 | 1.7 | 
| Net financial income in per cent of total assets | 0.8 | 1.7 | 2.3 | 3.2 | 0.9 | 
| Profit/loss before tax i per cent of total assets | -0.2 | 0.2 | 0.5 | 0.6 | 0.1 | 
|  |