Information and Reporing Unit, Banking Supervision Division					03/12/2002
Statement for the third quarter - consolidated
The First International Mortgage 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	1	1	0.2%	0.1%
Securities	0	0	0.0%	0.0%
Credit to the public	7,972	7,708	7.2%	7.2%
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	14	14	5.5%	5.6%
Other assets	11	12	2.7%	3.8%
Total assets	7,997	7,734	7.2%	7.1%
Deposits of the public	1,209	1,306	2.7%	2.9%
Deposits of banks	5,955	5,609	10.9%	10.8%
Deposits of the government	119	135	9.1%	8.6%
Bonds and subordinated notes	153	159	3.9%	4.1%
Other liabilities	19	19	4.3%	4.0%
Total liabilities	7,455	7,227	7.1%	7.0%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	25	23	0.0%	0.0%
Equity	517	484	8.1%	8.2%
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	70.0	71.6	8.0%	8.0%	32.4
Loan-loss provision	10.0	8.4	4.9%	3.7%	6.4
Operating and other income	41.6	41.0	6.4%	6.4%	13.5
Of which: Operating income	38.7	38.0	6.1%	6.1%	12.5
Operating and other expenses	35.4	35.4	6.7%	6.5%	11.7
Of which: Salaries and related expenses	17.0	16.8	6.0%	5.7%	5.9
Ordinary before-tax provision	66.2	68.8	8.3%	9.0%	27.8
Provision for taxes on ordinary profit	32.0	33.4	8.7%	9.1%	10.8
Ordinary after-tax profit	34.2	35.4	8.0%	8.9%	17.0
Bank's share in the profit of subsidiaries	0.0	0.0			0.0
Share of minority shareholders in profit of consolidated companies	-1.8	-1.8			-0.9
Extraordinary after-tax profit	0.6	0.0			0.0
Net profit	33.0	33.6	7.7%	8.5%	16.1
Profit after the effect of the difference between the known index and the "in lieu" index	35.3	34.5	7.8%	8.4%
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	761	6,834	387	7,982
Balance of financial liabilities on balance-sheet date	773	6,279	399	7,451
Excess of financial assets over financial liabilities	-12	555	-12	530
Total indexation balance (incl.forwards)	-12	555	-12	530
Additional information on the CPI-indexed sector for the nine months to 30.09.2002	Average balance for nine months	Net nine monthly interest income (expenses)		Rate of income  (expenditure) (2)
Total financial assets	6,928	252.4		4.89
Total financial liabilities	6,395	-196.3		-4.11
Interest-rate differential				0.78
Problem borrowers	30.09.2002	31.12.2001
Total credit risk dew to problem borrowers	239	200
Total credit  to problem borrowers	239	200
Main financial ratios - consolidated (percent)	30.09.2002	31.12.2001
Equity/balance-sheet ratio	6.46	6.26
Finanancial capital/equity ratio	102.59	101.92
Equity/risk-weighted-assets ratio	11.20	11.30
Return on equity (net profit/gross weighted-capital ratio) (4)	9.20	9.80
Operating income/operating expenses ratio (5)	117.51	112.27
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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