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
Discount Mortgage Bank, 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	90	113	18.2%	10.3%
Securities	1	1	0.2%	5.6%
Credit to the public	9,211	9,041	8.6%	8.5%
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	13	13	5.1%	5.2%
Other assets	25	14	7.0%	4.7%
Total assets	9,340	9,182	8.5%	8.5%
Deposits of the public	2,668	2,885	6.2%	6.5%
Deposits of banks	5,517	5,157	10.2%	10.0%
Deposits of the government	52	57	4.0%	3.7%
Bonds and subordinated notes	274	287	7.0%	7.5%
Other liabilities	50	34	10.4%	7.3%
Total liabilities	8,561	8,420	8.3%	8.3%
Quasi-capital items	0	0	0.0%	0.0%
Equity	779	762	12.7%	12.9%

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	45.0	63.0	8.9%	11.0%	19.0
Loan-loss provision	15.0	16.0	12.3%	13.7%	7.0
Operating and other income	36.0	30.0	8.2%	7.1%	20.0
Of which: Operating income	36.0	30.0	8.4%	7.3%	20.0
Operating and other expenses	31.0	28.0	8.9%	7.8%	16.0
Of which: Salaries and related expenses	17.0	15.0	9.4%	7.6%	9.0
Ordinary before-tax provision	35.0	49.0	7.3%	9.5%	16.0
Provision for taxes on ordinary profit	18.0	24.0	7.4%	9.7%	11.0
Ordinary after-tax profit	17.0	25.0	7.3%	9.3%	5.0
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	17.0	25.0	7.4%	9.3%	5.0
Profit after the effect of the difference between the known index and the "in lieu" index	28.0	28.0	9.1%	9.7%

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	612	7,957	758	9,327
Balance of financial liabilities on balance-sheet date	524	7,280	749	8,553
Excess of financial assets over financial liabilities	88	677	9	774

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	8,020	122.0		3.07
Total financial liabilities	7,391	-76.0		-2.07
Interest-rate differential				1.00

Problem borrowers	30.06.2002	31.12.2001
Total credit risk dew to problem borrowers	898	881
Total credit to problem borrowers	774	765

Main financial ratios - consolidated (percent)	30.06.2002	31.12.2001
Equity/balance-sheet ratio	8.34	8.30
Finanancial capital/equity ratio	99.36	98.82
Equity/risk-weighted-assets ratio	12.30	12.60
Return on equity (net profit/gross weighted-capital ratio) (3)	9.30	10.60
Operating income/operating expenses ratio (4)	116.13	101.69

^{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.}
					29