Information and Reporing Unit, Banking Supervision Division					09/09/2002
Statement for the second quarter - consolidated
Israel Discount Bank Ltd. and its subsidiaries, Main data, NIS million
Taken from the quarterly report to 30.06.2002. Adjusted to the CPI for  06.2002.
Summary consolidated balance sheet	30.06.2002	31.12.2001	Bank's share of the banking system
			30.06.2002	31.12.2001
Cash and deposits in banks	18,393	24,935	19.9%	20.9%
Securities	32,193	30,878	29.3%	29.2%
Credit to the public	74,735	75,395	12.9%	13.0%
Credit to the government	599	555	6.6%	5.8%
Investments in companies included on an equity basis	1,304	1,334	31.0%	30.9%
Buildings and equipment	1,923	1,915	18.7%	18.6%
Other assets	3,648	2,985	16.9%	17.0%
Total assets	132,795	137,997	16.1%	16.3%
Deposits of the public	116,581	121,044	17.2%	17.2%
Deposits of banks	3,465	3,686	14.7%	16.5%
Deposits of the government	179	203	0.9%	1.0%
Bonds and subordinated notes	3,847	3,831	10.3%	10.7%
Other liabilities	3,244	3,119	12.8%	14.1%
Total liabilities	127,316	131,883	16.3%	16.4%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	461	453
Equity	5,018	5,661	12.1%	13.5%
Summary consolidated profit and loss statement	Six months to		Bank's share of the banking system		Three months to
			Six months to
	30.06.2002	30.06.2001	30.06.2002	30.06.2001	30.06.2002
Net interest profit before loan-loss provision	1,330.0	1,468.0	0.0%	16.4%	613.0
Loan-loss provision	463.0	501.0	0.0%	36.0%	217.0
Operating and other income	904.0	980.0	0.0%	19.0%	449.0
Of which: Operating income	766.0	793.0	0.0%	18.8%	397.0
Operating and other expenses	1,728.0	1,896.0	0.0%	20.9%	859.0
Of which: Salaries and related expenses	1,044.0	1,189.0	0.0%	20.7%	517.0
Ordinary before-tax provision	43.0	51.0	0.0%	1.4%	-14.0
Provision for taxes on ordinary profit	167.0	184.0	0.0%	9.8%	82.0
Ordinary after-tax profit	-124.0	-133.0	0.0%	-7.6%	-96.0
Bank's share in the profit of subsidiaries	-34.0	37.0			-21.0
Share of minority shareholders in profit of consolidated companies	-8.0	-20.0			-3.0
Extraordinary after-tax profit	42.0	6.0			35.0
Net profit	-124.0	-110.0	0.0%	-7.0%	-85.0
Profit after the effect of the difference between the known index and the "in lieu" index	-79.0	-95.0	0.0%	-5.7%
Balances and rates of return on financial items by indexation base on 30.06.2002	Unindexed NIS	CPI-indexed  NIS	Foreign Currency (1)	Total financial items
Balance of financial assets on balance-sheet date	40,554	25,001	63,431	128,986
Balance of financial liabilities on balance-sheet date	40,954	24,136	62,123	127,213
Excess of financial assets over financial liabilities	-400	865	1,308	1,773
Total indexation balance (incl.forwards and options in term of basis assets) 2	-176	1,769	180	1,773
Rate of income on assets (percent) 3	-5.68	2.82	9.24	3.11
Rate of expenditure on liabilities (percent) 3	8.53	-2.45	-7.23	-1.15
Interest-rate differential	2.85	0.37	2.01	1.96
Problem borrowers	30.06.2002	31.12.2001
Total credit risk dew to problem borrowers	8,373	8,580
Total credit  to problem borrowers	7,970	8,197
Main financial ratios - consolidated (percent)	30.06.2002	31.12.2001
Equity/balance-sheet ratio	3.78	4.10
Finanancial capital/equity ratio	35.33	40.96
Equity/risk-weighted-assets ratio	9.38	9.26
Return on equity (net profit/gross weighted-capital ratio) 4	-4.30	-4.80
Operating income/operating expenses ratio 5	52.31	49.82
1 Including foreign-currency indexed NIS.
2 Forwards transactions.
3 Six-month rate of income (expenses), on annual basis including ALM derivatives.
4 Annual basis.
5 For six months. Comparative data are annual.
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