BOI - Main Data on Banks, to 30.06.2001, for Each Bank

Information and Reporing Unit, Banking Supervision Division					09/09/2002
Statement for the second quarter - bank
Leumi Mortgage Bank Ltd., 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
Summary consolidated balance sheet	30.06.2002	31.12.2001	30.06.2002	31.12.2001
Cash and deposits in banks	275	908	55.8%	82.6%
Securities	477	0	96.0%	0.0%
Credit to the public	30,024	29,502	27.9%	27.8%
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	38	36	14.9%	14.3%
Other assets	207	175	57.7%	58.5%
Total assets	31,021	30,621	28.4%	28.4%
Deposits of the public	7,262	7,601	16.8%	17.1%
Deposits of banks	20,522	19,717	37.8%	38.1%
Deposits of the government	453	589	34.6%	37.9%
Bonds and subordinated notes	1,280	1,256	32.6%	32.8%
Other liabilities	92	76	19.1%	16.2%
Total liabilities	29,609	29,239	28.7%	28.7%
Quasi-capital items	0	0	0.0%	0.0%
Equity	1,412	1,382	23.1%	23.4%

Summary consolidated profit and loss statement	Six months to		Bank's share of the banking system		Three months to
	Six months to		Six months to		Three months to
	30.06.2002	30.06.2001	30.06.2002	30.06.2001	30.06.2002
Net interest profit before loan-loss provision	89.0	123.0	17.5%	21.5%	39.0
Loan-loss provision	26.0	26.0	21.3%	22.3%	10.0
Operating and other income	88.0	81.0	20.1%	19.3%	36.0
Of which: Operating income	88.0	81.0	20.6%	19.7%	36.0
Operating and other expenses	78.0	83.0	22.5%	23.2%	39.0
Of which: Salaries and related expenses	36.0	47.0	20.0%	23.7%	18.0
Ordinary before-tax provision	73.0	95.0	15.3%	18.3%	26.0
Provision for taxes on ordinary profit	43.0	46.0	17.6%	18.5%	18.0
Ordinary after-tax profit	30.0	49.0	12.9%	18.2%	8.0
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
Extraordinary after-tax profit	0.0	0.0			0.0
Net profit	30.0	49.0	13.0%	18.3%	8.0
Profit after the effect of the difference between the known index and the "in lieu" index	43.0	53.0	13.9%	18.3%

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	1,517	27,615	1,836	30,968
Balance of financial liabilities on balance-sheet date	521	27,209	1,841	29,571
Excess of financial assets over financial liabilities	996	406	-5	1,397

Additional information on the CPI-indexed sector for the six months to 30.06.2002	Average balance for six months	Net six monthly interest income (expenses)		Rate of income (expenditure) (2)
Total financial assets	27,503	397.0		2.91
Total financial liabilities	26,828	-315.0		-2.36
Interest-rate differential				0.55

Problem borrowers	30.06.2002	31.12.2001
Total credit risk dew to problem borrowers	884	901
Total credit to problem borrowers	884	901

Main financial ratios - consolidated (percent)	30.06.2002	31.12.2001
Equity/balance-sheet ratio	4.55	4.51
Finanancial capital/equity ratio	98.94	98.41
Equity/risk-weighted-assets ratio	9.11	9.09
Return on equity (net profit/gross weighted-capital ratio) (3)	4.30	9.10
Operating income/operating expenses ratio (4)	112.82	103.80

^{1 Including foreign-currency indexed NIS.}
^{2 six-month rate of income (expenses), on annual basis including ALM derivatives.}
^{3 Annual basis.}
^{4 For six months. Comparative data are annual.}
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