BOI - Main data on banks

Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter - consolidated
Mishkan Bank Hapoalim Lemashkantaot Ltd. and its subsidiaries, Main data, NIS million
Taken from the quarterly report to 30.09.2001. Adjusted to the CPI for 09.2001.

Summary consolidated balance sheet	30.09.2001	31.12.2000	Bank's share of the banking system
Summary consolidated balance sheet	30.09.2001	31.12.2000	30.09.2001	31.12.2000
Cash and deposits in banks	10	11	0.9%	4.0%
Securities	1	1	2.4%	1.7%
Credit to the public	24,193	23,330	24.4%	24.6%
Credit to the government	0	0	0.0%	0.0%
Investments in companies included on an equity basis	0	0	0.0%	0.0%
Buildings and equipment	81	81	35.2%	34.4%
Other assets	35	22	11.2%	8.4%
Total assets	24,320	23,445	24.1%	24.5%
Deposits of the public	10,098	9,663	24.2%	23.6%
Deposits of banks	11,727	11,230	24.5%	25.5%
Deposits of the government	523	591	29.5%	33.6%
Bonds and subordinated notes	609	649	16.9%	19.7%
Other liabilities	98	137	24.3%	21.7%
Total liabilities	23,055	22,270	24.2%	24.6%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0	0.0%	0.0%
Equity	1,265	1,175	23.3%	23.2%

Summary consolidated profit and loss statement	Nine months to		Bank's share of the banking system		Three months to
	Nine months to		Nine months to		Three months to
	30.09.2001	30.09.2000	30.09.2001	30.09.2000	30.09.2001
Net interest profit before loan-loss provision	191.0	183.0	22.8%	22.5%	70.0
Loan-loss provision	50.0	15.0	23.6%	11.1%	21.0
Operating and other income	152.0	151.0	25.2%	25.6%	50.0
Of which: Operating income	152.0	151.0	25.9%	26.3%	50.0
Operating and other expenses	128.0	104.0	25.0%	21.7%	43.0
Of which: Salaries and related expenses	64.0	51.0	23.0%	19.9%	22.0
Ordinary before-tax provision	165.0	215.0	23.0%	27.3%	56.0
Provision for taxes on ordinary profit	76.0	95.0	22.1%	27.6%	25.0
Ordinary after-tax profit	89.0	120.0	23.9%	27.0%	31.0
Bank's share in the profit of subsidiaries	0.0	0.0			0.0
Share of minority shareholders in profit of consolidated companies	0.0	0.0			0.0
Extraordinary after-tax profit	0.0	0.0			0.0
Net profit	89.0	120.0	24.0%	27.0%	31.0
Profit after the effect of the difference between the known index and the "in lieu" index	92.0	114.0	23.9%	27.3%

Balances and rates of return on financial items by indexation base on 30.09.2001	Unindexed NIS	CPI-indexed NIS	Foreign Currency (1)	Total financial items
Balance of financial assets on balance-sheet date	169	23,890	177	24,236
Balance of financial liabilities on balance-sheet date	727	22,152	174	23,053
Excess of financial assets over financial liabilities	-558	1,738	3	1,183


Main financial ratios - consolidated (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	5.20	5.01
Finanancial capital/equity ratio	93.52	92.68
Equity/risk-weighted-assets ratio	9.35	9.35
Return on equity (net profit/gross weighted-capital ratio) (2)	10.20	13.80
Operating income/operating expenses ratio (3)	118.75	140.85

^{1 Including foreign-currency indexed NIS.}
^{2 Annual basis.}
^{3 For nine months. Comparative data are annual.}
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