Information and Reporing Unit, Banking Supervision Division		31/03/2002
Statement for the first quarter
Mortgage 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	297	1,057
Securities	20	17
Credit to the public	103,305	102,268
Credit to the government	4	4
Investments in companies included on an equity basis	0	0
Buildings and equipment	244	243
Other assets	314	287
Total assets	104,184	103,876
Deposits of the public	42,043	42,763
Deposits of banks	50,783	49,777
Deposits of the government	1,318	1,496
Bonds and subordinated notes	3,730	3,691
Other liabilities	481	451
Total liabilities	98,355	98,178
Quasi-capital items	0	0
Minority shareholders' rights	23	22
Equity	5,807	5,676
Summary consolidated profit and loss statement	Three months to
	31.03.2002	31.03.2001
Net interest profit before loan-loss provision	255.1	241.5
Loan-loss provision	58.8	56.4
Operating and other income	219.5	201.6
Of which: Operating income	214.7	197.7
Operating and other expenses	169.2	174.8
Of which: Salaries and related expenses	88.6	99.8
Ordinary before-tax provision	246.6	211.9
Provision for taxes on ordinary profit	115.4	101.7
Ordinary after-tax profit	131.2	110.2
Bank's share in the profit of subsidiaries	0.0	0.0
Share of minority shareholders in profit of consolidated companies	-0.6	-0.7
Extraordinary after-tax profit	0.0	0.0
Net profit	130.6	109.5
Profit after the effect of the difference between the known index and the "in lieu" index	161.9	125.8
		23