Information and Reporing Unit, Banking Supervision Division		30/09/2003
Statement for the third quarter
Commercial banks and their subsidiaries, Main data, NIS million
Taken from the quarterly report to 30.09.2003. Adjusted to the CPI for  09.2003.
Summary consolidated balance sheet	30.09.2003	31.12.2002
Cash and deposits in banks	96,272	95,906
Securities	117,005	112,303
Credit to the public	566,596	577,417
Credit to the government	6,454	7,895
Investments in companies included on an equity basis	3,519	3,614
Buildings and equipment	10,549	10,376
Other assets	22,750	20,768
Total assets	823,146	828,278
Deposits of the public	671,356	684,147
Deposits of banks	22,639	22,263
Deposits of the government	17,370	18,235
Bonds and subordinated notes	38,832	36,742
Other liabilities	26,884	24,429
Total liabilities	777,081	785,817
Quasi-capital items	319	335
Minority shareholders' rights	1,772	1,774
Equity	43,975	40,353
Summary consolidated profit and loss statement	Nine months to
	30.09.2003	30.09.2002
Net interest profit before loan-loss provision	14505.9	12731.7
Loan-loss provision	4513.1	4526.4
Operating and other income	8197.2	7695.0
Of which: Operating income	6696.2	6509.8
Operating and other expenses	13542.9	13129.1
Of which: Salaries and related expenses	8262.8	8010.1
Ordinary before-tax provision	4647.2	2771.2
Provision for taxes on ordinary profit	2288.7	1588.2
Ordinary after-tax profit	2358.5	1183.1
Bank's share in the profit of subsidiaries	262.3	-64.6
Share of minority shareholders in profit of consolidated companies	-121.0	-87.0
Extraordinary after-tax profit	-199.1	-47.6
Net profit	2300.7	983.9
Profit after the effect of the difference between the known index and the "in lieu" index	2227.9	1123.6
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