Information and Reporing Unit, Banking Supervision Division		31/03/2002
Statement for the first quarter
Commercial banks and their subsidiaries, Main data, NIS million
Taken from the quarterly report to 31.03.2002. Adjusted to the CPI for  03.2002.
Summary consolidated balance sheet	31.03.2002	31.12.2001
Cash and deposits in banks	96,339	114,831
Securities	100,802	101,747
Credit to the public	562,418	558,962
Credit to the government	9,276	9,193
Investments in companies included on an equity basis	4,106	4,166
Buildings and equipment	9,877	9,891
Other assets	17,793	17,125
Total assets	800,611	815,914
Deposits of the public	656,989	676,457
Deposits of banks	23,615	21,411
Deposits of the government	18,958	19,491
Bonds and subordinated notes	36,166	34,589
Other liabilities	22,463	21,548
Total liabilities	758,190	773,495
Quasi-capital items	335	324
Minority shareholders' rights	1,797	1,777
Equity	40,289	40,318
Summary consolidated profit and loss statement	Three months to
	31.03.2002	31.03.2001
Net interest profit before loan-loss provision	4108.2	4278.1
Loan-loss provision	1342.3	663.3
Operating and other income	2531.8	2415.8
Of which: Operating income	2127.5	2013.8
Operating and other expenses	4287.3	4571.0
Of which: Salaries and related expenses	2668.2	2990.6
Ordinary before-tax provision	1010.5	1459.6
Provision for taxes on ordinary profit	561.6	733.1
Ordinary after-tax profit	448.9	726.5
Bank's share in the profit of subsidiaries	-34.5	-68.6
Share of minority shareholders in profit of consolidated companies	-29.0	-34.0
Extraordinary after-tax profit	13.8	6.2
Net profit	399.2	630.1
Profit after the effect of the difference between the known index and the "in lieu" index	548.7	693.3
		1