Information and Reporing Unit, Banking Supervision Division		30/06/2003
Statement for the second quarter
Mortgage 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	286	313
Securities	2	284
Credit to the public	109,917	109,771
Credit to the government	3	4
Investments in companies included on an equity basis	0	0
Buildings and equipment	258	257
Other assets	542	386
Total assets	111,009	111,015
Deposits of the public	44,157	44,473
Deposits of banks	54,236	54,167
Deposits of the government	1,616	1,661
Bonds and subordinated notes	3,722	3,729
Other liabilities	484	485
Total liabilities	104,214	104,515
Quasi-capital items	0	0
Minority shareholders' rights	26	25
Equity	6,768	6,475
Summary consolidated profit and loss statement	Six months to
	30.06.2003	30.06.2002
Net interest profit before loan-loss provision	712.3	505.0
Loan-loss provision	220.6	122.1
Operating and other income	403.6	436.0
Of which: Operating income	392.7	425.1
Operating and other expenses	367.6	345.5
Of which: Salaries and related expenses	207.8	180.3
Ordinary before-tax provision	527.7	473.4
Provision for taxes on ordinary profit	234.8	243.4
Ordinary after-tax profit	292.9	230.0
Bank's share in the profit of subsidiaries	0.0	0.0
Share of minority shareholders in profit of consolidated companies	-1.1	-0.9
Extraordinary after-tax profit	1.0	-0.4
Net profit	292.8	228.7
Profit after the effect of the difference between the known index and the "in lieu" index	273.0	307.4
		23