Information and Reporing Unit, Banking Supervision Division					03/12/2002
Statement for the third quarter - consolidated
Israel Discount Bank Ltd. and its subsidiaries, Main data, NIS million
Taken from the quarterly report to 30.09.2002. Adjusted to the CPI for  09.2002.
Summary consolidated balance sheet	30.09.2002	31.12.2001	Bank's share of the banking system
			30.09.2002	31.12.2001
Cash and deposits in banks	17,886	25,096	17.9%	20.9%
Securities	34,455	31,078	30.7%	29.2%
Credit to the public	76,931	75,884	13.0%	13.0%
Credit to the government	568	559	6.5%	5.8%
Investments in companies included on an equity basis	1,316	1,343	32.8%	30.9%
Buildings and equipment	1,936	1,927	18.8%	18.6%
Other assets	3,445	3,003	17.6%	17.0%
Total assets	136,537	138,890	16.1%	16.3%
Deposits of the public	119,232	121,828	17.2%	17.2%
Deposits of banks	4,385	3,709	16.2%	16.6%
Deposits of the government	193	204	1.0%	1.0%
Bonds and subordinated notes	3,915	3,856	10.3%	10.7%
Other liabilities	3,459	3,139	13.9%	14.1%
Total liabilities	131,184	132,736	16.4%	16.4%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	467	456
Equity	4,886	5,698	11.8%	13.5%
Summary consolidated profit and loss statement	Nine months to		Bank's share of the banking system		Three months to
			Nine months to
	30.09.2002	30.09.2001	30.09.2002	30.09.2001	30.09.2002
Net interest profit before loan-loss provision	2,114.0	2,177.0	לא חושב	לא חושב	775.0
Loan-loss provision	664.0	756.0	לא חושב	לא חושב	198.0
Operating and other income	1,357.0	1,441.0	לא חושב	לא חושב	447.0
Of which: Operating income	1,159.0	1,162.0	לא חושב	לא חושב	388.0
Operating and other expenses	2,688.0	2,854.0	לא חושב	לא חושב	948.0
Of which: Salaries and related expenses	1,650.0	1,783.0	לא חושב	לא חושב	599.0
Ordinary before-tax provision	119.0	8.0	לא חושב	לא חושב	76.0
Provision for taxes on ordinary profit	226.0	228.0	לא חושב	לא חושב	58.0
Ordinary after-tax profit	-107.0	-220.0	לא חושב	לא חושב	18.0
Bank's share in the profit of subsidiaries	-17.0	44.0			17.0
Share of minority shareholders in profit of consolidated companies	-19.0	-30.0			-10.0
Extraordinary after-tax profit	50.0	14.0			7.0
Net profit	-93.0	-192.0	לא חושב	לא חושב	32.0
Profit after the effect of the difference between the known index and the "in lieu" index	-73.0	-180.0	לא חושב	לא חושב
Balances and rates of return on financial items by indexation base on 30.09.2002	Unindexed NIS	CPI-indexed  NIS	Foreign Currency (1)	Total financial items
Balance of financial assets on balance-sheet date	39,920	26,329	66,402	132,651
Balance of financial liabilities on balance-sheet date	42,915	24,486	63,687	131,088
Excess of financial assets over financial liabilities	-2,995	1,843	2,715	1,563
Total indexation balance (incl.forwards and options in term of basis assets) 2	-312	1,796	79	1,563
Rate of income on assets (percent) 3	-1.48	5.16	9.44	5.07
Rate of expenditure on liabilities (percent) 3	4.36	-4.72	-7.50	-3.11
Interest-rate differential	2.88	0.44	1.94	1.96
Problem borrowers	30.09.2002	31.12.2001
Total credit risk dew to problem borrowers	9,609	8,806
Total credit  to problem borrowers	8,897	8,239
Main financial ratios - consolidated (percent)	30.09.2002	31.12.2001
Equity/balance-sheet ratio	3.58	4.10
Finanancial capital/equity ratio	31.99	40.96
Equity/risk-weighted-assets ratio	9.27	9.26
Return on equity (net profit/gross weighted-capital ratio) 4	-2.20	-4.50
Operating income/operating expenses ratio 5	50.48	49.81
1 Including foreign-currency indexed NIS.
2 Forwards transactions.
3 Nine-month rate of income (expenses), on annual basis including ALM derivatives.
4 Annual basis.
5 For nine months. Comparative data are annual.
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