Information and Reporing Unit, Banking Supervision Division					03/12/2002
Statement for the third quarter - consolidated
The First International Bank of Israel 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	10,143	15,205	10.1%	12.7%
Securities	3,652	3,431	3.3%	3.2%
Credit to the public	49,415	51,097	8.4%	8.7%
Credit to the government	205	207	2.4%	2.1%
Investments in companies included on an equity basis	14	17	0.3%	0.4%
Buildings and equipment	743	768	7.2%	7.4%
Other assets	1,691	1,531	8.6%	8.7%
Total assets	65,863	72,256	7.8%	8.5%
Deposits of the public	56,640	63,287	8.2%	9.0%
Deposits of banks	1,156	959	4.3%	4.3%
Deposits of the government	607	655	3.2%	3.2%
Bonds and subordinated notes	2,315	2,284	6.1%	6.3%
Other liabilities	1,715	1,498	6.9%	6.7%
Total liabilities	62,433	68,683	7.8%	8.5%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	168	158
Equity	3,262	3,415	7.9%	8.1%
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	895.0	977.0	לא חושב	8.8%	371.0
Loan-loss provision	708.0	243.0	לא חושב	11.0%	176.0
Operating and other income	554.0	525.0	לא חושב	8.5%	173.0
Of which: Operating income	493.0	453.0	לא חושב	8.7%	151.0
Operating and other expenses	887.0	905.0	לא חושב	8.3%	268.0
Of which: Salaries and related expenses	541.0	554.0	לא חושב	8.3%	147.0
Ordinary before-tax provision	-146.0	354.0	לא חושב	8.2%	100.0
Provision for taxes on ordinary profit	-58.0	182.0	לא חושב	9.3%	46.0
Ordinary after-tax profit	-88.0	172.0	לא חושב	7.4%	54.0
Bank's share in the profit of subsidiaries	-2.0	-1.0			-1.0
Share of minority shareholders in profit of consolidated companies	-11.0	-9.0			-5.0
Extraordinary after-tax profit	0.0	0.0			0.0
Net profit	-101.0	162.0	לא חושב	8.0%	48.0
Profit after the effect of the difference between the known index and the "in lieu" index	-90.0	168.0	לא חושב	8.0%
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	21,264	18,528	25,051	64,843
Balance of financial liabilities on balance-sheet date	24,888	15,589	21,948	62,425
Excess of financial assets over financial liabilities	-3,624	2,939	3,103	2,418
Total indexation balance (incl.forwards and options in term of basis assets) 2	-273	2,974	-283	2,418
Rate of income on assets (percent) 3	-2.67	4.92	17.10	3.72
Rate of expenditure on liabilities (percent) 3	4.10	-4.27	-15.10	-2.28
Interest-rate differential	1.43	0.65	2.00	1.44
Problem borrowers	30.09.2002	31.12.2001
Total credit risk dew to problem borrowers	4,314	3,729
Total credit  to problem borrowers	3,965	3,388
Main financial ratios - consolidated (percent)	30.09.2002	31.12.2001
Equity/balance-sheet ratio	4.95	4.73
Finanancial capital/equity ratio	74.13	74.29
Equity/risk-weighted-assets ratio	9.60	9.70
Return on equity (net profit/gross weighted-capital ratio) 4	-3.90	5.50
Operating income/operating expenses ratio 5	62.46	60.14
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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