Information and Reporing Unit, Banking Supervision Division		3/31/2003
Statement for the first quarter
Mortgage banks and their subsidiaries, main data, NIS million
Taken from the quarterly report to 31.03.2003. Adjusted to the CPI for  03.2003.
Summary consolidated balance sheet	31.03.2003	31.12.2002
Cash and deposits in banks	304	317
Securities	2	288
Credit to the public	110,725	111,187
Credit to the government	4	4
Investments in companies included on an equity basis	0	0
Buildings and equipment	262	262
Other assets	439	391
Total assets	111,736	112,448
Deposits of the public	44,463	45,047
Deposits of banks	54,756	54,867
Deposits of the government	1,644	1,683
Bonds and subordinated notes	3,682	3,779
Other liabilities	497	489
Total liabilities	105,042	105,864
Quasi-capital items	0	0
Minority shareholders' rights	26	25
Equity	6,668	6,559
Summary consolidated profit and loss statement	Three months to
	31.03.2003	31.03.2002
Net interest profit before loan-loss provision	322.6	267.4
Loan-loss provision	103.6	62.0
Operating and other income	203.4	229.6
Of which: Operating income	199.5	224.6
Operating and other expenses	195.6	176.2
Of which: Salaries and related expenses	114.5	93.1
Ordinary before-tax provision	226.8	258.8
Provision for taxes on ordinary profit	118.6	121.0
Ordinary after-tax profit	108.2	137.8
Bank's share in the profit of subsidiaries	0.0	0.0
Share of minority shareholders in profit of consolidated companies	-0.3	-0.6
Extraordinary after-tax profit	0.0	0.0
Net profit	107.9	137.2
Profit after the effect of the difference between the known index and the "in lieu" index	137.7	168.6
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