Information and Reporing Unit, Banking Supervision Division					03/12/2002
Statement for the third quarter - bank
Discount Mortgage Bank, 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	105	114	46.8%	10.3%
Securities	1	1	0.2%	5.6%
Credit to the public	9,502	9,099	8.6%	8.5%
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	13	14	5.1%	5.5%
Other assets	26	14	6.7%	4.7%
Total assets	9,647	9,242	8.7%	8.5%
Deposits of the public	2,678	2,904	6.0%	6.5%
Deposits of banks	5,804	5,190	10.6%	10.0%
Deposits of the government	50	57	3.8%	3.6%
Bonds and subordinated notes	275	289	7.0%	7.5%
Other liabilities	41	35	9.0%	7.4%
Total liabilities	8,848	8,475	8.4%	8.3%
Quasi-capital items	0	0	0.0%	0.0%
Equity	799	767	12.6%	12.9%
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	82.0	98.0	9.3%	11.0%	36.0
Loan-loss provision	30.0	40.0	14.7%	17.8%	14.0
Operating and other income	53.0	45.0	8.1%	7.0%	16.0
Of which: Operating income	53.0	45.0	8.3%	7.2%	16.0
Operating and other expenses	47.0	43.0	8.9%	7.9%	15.0
Of which: Salaries and related expenses	27.0	22.0	9.6%	7.5%	9.0
Ordinary before-tax provision	58.0	60.0	7.3%	7.9%	23.0
Provision for taxes on ordinary profit	26.0	32.0	7.0%	8.7%	8.0
Ordinary after-tax profit	32.0	28.0	7.5%	7.1%	15.0
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	32.0	28.0	7.5%	7.1%	15.0
Profit after the effect of the difference between the known index and the "in lieu" index	36.0	30.0	7.9%	7.3%
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	634	8,067	933	9,634
Balance of financial liabilities on balance-sheet date	443	7,460	937	8,840
Excess of financial assets over financial liabilities	191	607	-4	794
Total indexation balance (incl.forwards)	191	607	-4	794
Additional information on the CPI-indexed sector for the six months to 30.09.2002	Average balance for nine months	Net nine monthly interest income (expenses)		Rate of income  (expenditure) (2)
Total financial assets	8,073	313.0		5.20
Total financial liabilities	7,424	-237.0		-4.28
Interest-rate differential				0.92
Problem borrowers	30.09.2002	31.12.2001
Total credit risk dew to problem borrowers	924	887
Total credit  to problem borrowers	804	770
Main financial ratios - consolidated (percent)	30.09.2002	31.12.2001
Equity/balance-sheet ratio	8.28	8.30
Finanancial capital/equity ratio	99.37	98.83
Equity/risk-weighted-assets ratio	12.10	12.60
Return on equity (net profit/gross weighted-capital ratio) (3)	5.60	4.70
Operating income/operating expenses ratio (4)	112.77	101.67
1 Including foreign-currency indexed NIS.
2 nine-month rate of income (expenses), on annual basis including ALM derivatives.
3 Annual basis.
4 For nine months. Comparative data are annual.
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