Information and Reporing Unit, Banking Supervision Division					03/12/2002
Statement for the third quarter - consolidated
Bank Yahav Le-Ovdei Hamdina 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	3,657	3,310	3.7%	2.8%
Securities	1,799	1,776	1.6%	1.7%
Credit to the public	956	1,061	0.2%	0.2%
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	126	123	1.2%	1.2%
Other assets	63	28	0.3%	0.2%
Total assets	6,601	6,297	0.8%	0.7%
Deposits of the public	6,243	5,911	0.9%	0.8%
Deposits of banks	8	8	0.0%	0.0%
Deposits of the government	0	1	0.0%	0.0%
Bonds and subordinated notes	0	0	0.0%	0.0%
Other liabilities	50	63	0.2%	0.3%
Total liabilities	6,301	5,982	0.8%	0.7%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	300	315	0.7%	0.7%
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	85.8	79.0	0.8%	0.7%	32.9
Loan-loss provision	1.0	2.6	0.0%	0.1%	0.3
Operating and other income	108.5	109.7	1.7%	1.8%	36.4
Of which: Operating income	60.2	65.1	1.1%	1.3%	19.7
Operating and other expenses	156.1	152.3	1.5%	1.4%	54.5
Of which: Salaries and related expenses	88.7	90.3	1.4%	1.3%	31.9
Ordinary before-tax provision	37.2	33.8	1.4%	0.8%	14.5
Provision for taxes on ordinary profit	17.9	19.3	1.3%	1.0%	7.4
Ordinary after-tax profit	19.3	14.5	1.5%	0.6%	7.1
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	0.2	1.2			0.0
Net profit	19.5	15.7	1.8%	0.8%	7.1
Profit after the effect of the difference between the known index and the "in lieu" index	19.6	16.7	1.6%	0.8%
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	3,138	3,070	268	6,475
Balance of financial liabilities on balance-sheet date	3,102	2,936	264	6,301
Excess of financial assets over financial liabilities	36	134	4	174
Total indexation balance (incl.forwards and options in term of basis assets) 2	36	134	4	174
Rate of income on assets (percent) 3	-2.45	4.60	1.76	1.11
Rate of expenditure on liabilities (percent) 3	4.85	-3.53	-0.20	0.72
Interest-rate differential	2.40	1.07	1.56	1.82
Problem borrowers	30.09.2002	31.12.2001
Total credit risk dew to problem borrowers	49	53
Total credit  to problem borrowers	49	53
Main financial ratios - consolidated (percent)	30.09.2002	31.12.2001
Equity/balance-sheet ratio	4.55	5.01
Finanancial capital/equity ratio	58.08	61.10
Equity/risk-weighted-assets ratio	17.80	16.40
Return on equity (net profit/gross weighted-capital ratio) 4	8.30	6.80
Operating income/operating expenses ratio 5	69.51	67.65
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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