Information and Reporing Unit, Banking Supervision Division		30/09/2002
Statement for the third quarter
Commercial banks and their 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
Cash and deposits in banks	100,012	120,016
Securities	112,110	106,343
Credit to the public	590,750	584,162
Credit to the government	8,713	9,670
Investments in companies included on an equity basis	4,013	4,343
Buildings and equipment	10,322	10,338
Other assets	19,622	17,672
Total assets	845,543	852,543
Deposits of the public	692,696	707,026
Deposits of banks	27,096	22,378
Deposits of the government	19,195	20,372
Bonds and subordinated notes	38,121	36,152
Other liabilities	24,821	22,276
Total liabilities	801,928	808,204
Quasi-capital items	350	339
Minority shareholders' rights	1,749	1,859
Equity	41,516	42,141
Summary consolidated profit and loss statement	Nine months to
	30.09.2002	30.09.2001
Net interest profit before loan-loss provision	13088.5	13399.5
Loan-loss provision	4609.9	2991.8
Operating and other income	7795.8	7695.9
Of which: Operating income	6647.2	6393.8
Operating and other expenses	13444.5	13801.9
Of which: Salaries and related expenses	8187.4	8549.0
Ordinary before-tax provision	2830.0	4301.6
Provision for taxes on ordinary profit	1622.8	2191.9
Ordinary after-tax profit	1207.2	2109.7
Bank's share in the profit of subsidiaries	-65.5	-153.1
Share of minority shareholders in profit of consolidated companies	-88.0	-117.0
Extraordinary after-tax profit	-50.9	1.1
Net profit	1002.8	1840.7
Profit after the effect of the difference between the known index and the "in lieu" index	1144.0	1911.1
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