Information and Reporing Unit, Banking Supervision Division		30/06/2002
Statement for the second quarter
Mortgage banks and their 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	31.03.2002
Cash and deposits in banks	493	1,100
Securities	497	18
Credit to the public	107,682	106,201
Credit to the government	4	4
Investments in companies included on an equity basis	0	0
Buildings and equipment	254	251
Other assets	359	299
Total assets	109,290	107,872
Deposits of the public	43,134	44,407
Deposits of banks	54,292	51,692
Deposits of the government	1,310	1,553
Bonds and subordinated notes	3,925	3,834
Other liabilities	481	469
Total liabilities	103,142	101,955
Quasi-capital items	0	0
Minority shareholders' rights	24	23
Equity	6,124	5,895
Summary consolidated profit and loss statement	Six months to
	30.06.2002	30.06.2001
Net interest profit before loan-loss provision	508.1	573.2
Loan-loss provision	122.1	116.6
Operating and other income	437.1	419.8
Of which: Operating income	426.2	410.8
Operating and other expenses	346.6	358.4
Of which: Salaries and related expenses	180.3	198.0
Ordinary before-tax provision	476.5	518.0
Provision for taxes on ordinary profit	244.4	248.3
Ordinary after-tax profit	232.1	269.7
Bank's share in the profit of subsidiaries	0.0	0.0
Share of minority shareholders in profit of consolidated companies	-0.9	-1.3
Extraordinary after-tax profit	-0.4	0.0
Net profit	230.8	268.4
Profit after the effect of the difference between the known index and the "in lieu" index	308.4	289.3
		23