Information and Reporing Unit, Banking Supervision Division					03/12/2002
Statement for the third quarter - bank
Kupat Haoved Haleumi Leashrai Vehisachon Benetanya Ltd., 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	54	66	0.1%	0.1%
Securities	11	9	0.0%	0.0%
Credit to the public	22	20	0.0%	0.0%
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	0	0	0.0%	0.0%
Other assets	1	0	0.0%	0.0%
Total assets	88	96	0.0%	0.0%
Deposits of the public	83	91	0.0%	0.0%
Deposits of banks	0	0	0.0%	0.0%
Deposits of the government	0	0	0.0%	0.0%
Bonds and subordinated notes	0	0	0.0%	0.0%
Other liabilities	0	0	0.0%	0.0%
Total liabilities	83	92	0.0%	0.0%
Quasi-capital items	0	0	0.0%	0.0%
Equity	5	5	0.0%	0.0%
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	1.9	2.4	לא חושב	0.0%	0.6
Loan-loss provision	0.2	0.2	לא חושב	0.0%	0.0
Operating and other income	0.9	0.9	לא חושב	0.0%	0.3
Of which: Operating income	0.8	0.8	לא חושב	0.0%	0.3
Operating and other expenses	2.8	2.8	לא חושב	0.0%	0.9
Of which: Salaries and related expenses	1.3	1.5	לא חושב	0.0%	0.4
Ordinary before-tax provision	-0.1	0.3	לא חושב	0.0%	0.0
Provision for taxes on ordinary profit	0.1	0.2	לא חושב	0.0%	0.0
Ordinary after-tax profit	-0.2	0.1	לא חושב	0.0%	0.0
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
Extraordinary after-tax profit	0.0	0.0			0.0
Net profit	-0.2	0.1	לא חושב	0.0%	0.0
Profit after the effect of the difference between the known index and the "in lieu" index	-0.2	0.1	לא חושב	0.0%
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	77	10	0	87
Balance of financial liabilities on balance-sheet date	73	10	0	83
Excess of financial assets over financial liabilities	4	1	0	4
Total indexation balance (incl.forwards and options in term of basis assets) 2	4	1	0	4
Rate of income on assets (percent) 3	-1.48	4.09	0.00	-0.85
Rate of expenditure on liabilities (percent) 3	4.62	-2.69	0.00	3.80
Interest-rate differential	3.14	1.40	0.00	2.95
Problem borrowers	30.09.2002	31.12.2001
Total credit risk dew to problem borrowers	4	5
Total credit  to problem borrowers	4	5
Main financial ratios - consolidated (percent)	30.09.2002	31.12.2001
Equity/balance-sheet ratio	5.30	5.01
Finanancial capital/equity ratio	95.10	96.52
Equity/risk-weighted-assets ratio	29.00	27.50
Return on equity (net profit/gross weighted-capital ratio) 4	-0.50	2.50
Operating income/operating expenses ratio 5	33.67	33.78
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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