Balti Investeeringute Grupi Pank AS (BIG) is publishing its preliminary Q3 2008 financial results, complete Public Interim Report will be published in the end of November. There have not been any significant changes in BIG's operations in Q3. Resulting from the difficult times in home and also the world's financial markets, BIG is continuing its chosen conservative liquidity and credit policy. BIG has increased the share of monetary instruments in its balance sheet and is taking into consideration the changes in economy in making lending decisions. There have not been any significant negative developments in the payment behaviour of customers. BIG's balance sheet total amounted to 2 954.3 million kroons by the end of Q3 2008, exceeding the balance sheet total as of beginning of the year by 334.2 million kroons (growth during the quarter 254.8 million kroons). Receivables from customers form the largest share of total assets, amounting to 2 388.7 million kroons (80.9% of total assets) by the end of Q3 2008. Receivables from customers increased by 169.5 million kroons during Q3 (increase from the beginning of the year 189.4 million kroons). Number of loan contracts reached 142 thousand (128 thousand at the end of Q2). In terms of percentage the loan portfolio has increased the most in Lithuania, increasing 46.5% during Q3. Increase from the beginning of the year has been over three times and the portfolio amounted to 189.7 million kroons by the end of Q3. In Estonia and Latvia the granting of loans and loan repayments are at the same level, thus the loan portfolio has not much increased in these markets (44.5 million kroons from the beginning of the year). As of the end of the quarter the volume of monetary instruments amounted to 473.1 million kroons, forming 16.0% of the balance sheet total. The amount of monetary instruments has increased by 104.2 million kroons since the beginning of the year. BIG's term deposits portfolio growth continued in Q3. As of 30.09.2008, the volume of term deposits amounted to 567.4 million kroons, increasing by 37.1% in Q3 and forming 23.7% of total liabilities (compared to 8.6% in the beginning of the year). In addition to term deposits, the volume of issued bonds has increased as well, amounting to 1 597.1 million kroons as of 30.09.2008. Issued bonds formed 66.7% of total liabilities, subordinated bonds 7.2% (173.4 million kroons) and bank loans 0.7% (15.7 million kroons). BIG's equity amounted to 560.6 million kroons as of 30.09.2008. Interest income in Q3 amounted to 168.9 million kroons, 516.9 million kroons from the beginning of the year. Other income from loan portfolio amounted to 35.6 million kroons in Q3, 91.1 million kroons from the beginning of the year. BIG earned a profit of 37.3 million kroons in Q3, compared to 42.3 million kroons in the same period of the previous year. Profit from the beginning of year amounts to 126.5 million kroons. Balti Investeeringute Grupi Pank AS is specialised in providing consumer loans and has a total of 43 offices in the Baltics, of which 22 are located in Estonia, 15 in Latvia and 6 in Lithuania. Targo Raus Chairman of the Management Board