AUDITED ANNUAL REPORT 2006


The audited Annual Report 2006 of AS SBM Pank is available on SBM Bank's
Internet home page www.sbmbank.ee under Home / Financial Reports: 
http://www.sbmbank.ee/?id=4549e1c4.
Annual Report was approved by the Annual General Meeting of Shareholders on 06
March 2007. 


Sven Raba
CFO, member of the Management Board
AS SBM Pank
phone (+372) 6802 504