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 - consolidated
Mishkan Bank Hapoalim Lemashkantaot 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
Summary consolidated balance sheet	30.06.2002	31.12.2001	30.06.2002	31.12.2001
Cash and deposits in banks	19	12	3.9%	1.1%
Securities	1	1	0.2%	5.6%
Credit to the public	26,388	25,883	24.5%	24.4%
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	85	86	33.4%	34.2%
Other assets	26	27	7.2%	9.0%
Total assets	26,519	26,009	24.3%	24.1%
Deposits of the public	10,682	10,780	24.8%	24.3%
Deposits of banks	13,173	12,553	24.3%	24.3%
Deposits of the government	484	540	36.9%	34.8%
Bonds and subordinated notes	603	647	15.4%	16.9%
Other liabilities	117	108	24.3%	23.0%
Total liabilities	25,059	24,628	24.3%	24.2%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0	0.0%	0.0%
Equity	1,460	1,381	23.8%	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	146.0	128.0	28.7%	22.3%	75.0
Loan-loss provision	27.0	30.0	22.1%	25.7%	16.0
Operating and other income	109.0	107.0	24.9%	25.5%	53.0
Of which: Operating income	109.0	107.0	25.6%	26.0%	53.0
Operating and other expenses	79.0	89.0	22.8%	24.8%	38.0
Of which: Salaries and related expenses	37.0	45.0	20.5%	22.7%	17.0
Ordinary before-tax provision	149.0	116.0	31.3%	22.4%	74.0
Provision for taxes on ordinary profit	70.0	55.0	28.6%	22.2%	40.0
Ordinary after-tax profit	79.0	61.0	34.0%	22.6%	34.0
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	0.0			0.0
Extraordinary after-tax profit	0.0	0.0			0.0
Net profit	79.0	61.0	34.2%	22.7%	34.0
Profit after the effect of the difference between the known index and the "in lieu" index	99.0	66.0	32.1%	22.8%

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	932	24,948	551	26,431
Balance of financial liabilities on balance-sheet date	1,266	23,246	536	25,048
Excess of financial assets over financial liabilities	-334	1,702	15	1,383

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	25,153	344.0		2.75
Total financial liabilities	23,283	-256.0		-2.21
Interest-rate differential				0.54

Problem borrowers	30.06.2002	31.12.2001
Total credit risk dew to problem borrowers	877	835
Total credit to problem borrowers	877	835

Main financial ratios - consolidated (percent)	30.06.2002	31.12.2001
Equity/balance-sheet ratio	5.51	5.31
Finanancial capital/equity ratio	94.73	93.63
Equity/risk-weighted-assets ratio	9.46	9.40
Return on equity (net profit/gross weighted-capital ratio) (4)	11.70	11.10
Operating income/operating expenses ratio (5)	137.97	126.63

^{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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