Information and Reporing Unit, Banking Supervision Division		30/06/2003
Statement for the second quarter
Commercial banks and their subsidiaries, Main data, NIS million
Taken from the quarterly report to 30.06.2003. Adjusted to the CPI for  06.2003.
Summary consolidated balance sheet	30.06.2003	31.12.2002
Cash and deposits in banks	98,521	96,867
Securities	116,308	113,427
Credit to the public	561,710	583,202
Credit to the government	6,633	7,976
Investments in companies included on an equity basis	3,556	3,651
Buildings and equipment	10,581	10,479
Other assets	23,446	20,974
Total assets	820,754	836,575
Deposits of the public	669,478	691,000
Deposits of banks	22,863	22,485
Deposits of the government	17,353	18,421
Bonds and subordinated notes	38,086	37,110
Other liabilities	27,264	24,674
Total liabilities	775,044	793,689
Quasi-capital items	309	338
Minority shareholders' rights	1,759	1,792
Equity	43,642	40,756
Summary consolidated profit and loss statement	Six months to
	30.06.2003	30.06.2002
Net interest profit before loan-loss provision	9785.1	7797.0
Loan-loss provision	3033.7	2818.1
Operating and other income	5505.3	5253.0
Of which: Operating income	4450.2	4402.3
Operating and other expenses	9051.5	8747.8
Of which: Salaries and related expenses	5520.3	5344.1
Ordinary before-tax provision	3205.2	1484.1
Provision for taxes on ordinary profit	1761.3	957.3
Ordinary after-tax profit	1443.9	526.7
Bank's share in the profit of subsidiaries	187.3	-49.1
Share of minority shareholders in profit of consolidated companies	-67.0	-45.0
Extraordinary after-tax profit	-203.3	38.2
Net profit	1360.8	470.8
Profit after the effect of the difference between the known index and the "in lieu" index	1272.0	867.4
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