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					Information and Reporing Unit, Banking Supervision Division                                                                          08/12/2008
Statement for the third quarter - consolidated
Bank "Adanim" Mortgage and Loans Ltd. and its subsidiaries , Main data, NIS million
Taken from the quarterly report to 30.09.2008, reported amounts


                                                                                                       Bank's share of the
Summary consolidated balance sheet                                     30.09.2008 31.12.2007            banking system

                                                                                                     30.09.2008     31.12.2007

Cash and deposits in banks 1                                                    27             60           0.0%            0.0%
Securities                                                                       0              0           0.0%            0.0%
Securities borrowed or purchased under agreements to resell                      0              0           0.0%            0.0%
Credit to the public                                                         4,437          3,937           0.6%            0.6%
Credit to the government                                                         0              0           0.0%            0.0%
Investments in companies included on an equity basis                             0              0           0.0%            0.0%
Buildings and equipment                                                         11             10           0.1%            0.1%
Other assets                                                                    31             36           0.1%            0.1%
Total assets                                                                 4,507          4,043           0.4%            0.4%
Deposits of the public                                                       1,477          1,557           0.2%            0.2%
Deposits of banks 1                                                          2,470          1,941           3.7%            3.3%
Deposits of the government                                                       5              6           0.1%            0.1%
Securities loaned or sold under agreements to repurchase                         0              0           0.0%            0.0%
Bonds and subordinated notes                                                   187            192           0.3%            0.3%
Other liabilities                                                               50             50           0.1%            0.1%
Total liabilities                                                            4,189          3,747           0.4%            0.4%
Minority shareholders' rights                                                    0              0
Equity                                                                         318            296           0.5%            0.5%


                                                                                                       Bank's share of the
                                                                                                                                     Three
                                                                           Nine months to               banking system
Summary consolidated profit and loss statement                                                                                      months to
                                                                                                           Nine months to

                                                                       30.09.2008 30.09.2007 30.09.2008             30.09.2007      30.09.2008
Net interest profit before loan-loss provision                                 54.4          47.5           0.4%          0.3%            21.3
Loan-loss provision                                                            -1.0          -2.7           0.0%         -0.2%             0.3
Operating and other income                                                     17.5          16.8           0.2%          0.2%             5.7
Of which: Operating income                                                     17.5          16.8           0.2%          0.2%             5.7
Operating and other expenses                                                   38.3          41.8           0.2%          0.2%            13.5
Of which: Salaries and related expenses                                        21.2          20.5           0.2%          0.2%             8.0
Ordinary before-tax provision                                                  34.6          25.2           0.9%          0.2%            13.2
Provision for taxes on ordinary profit                                         12.9           7.2           0.7%          0.2%             4.9
Ordinary after-tax profit                                                      21.7          18.0           1.2%          0.3%             8.3
Bank's share in the profit of subsidiaries                                      0.0           0.0                                          0.0
Share of minority shareholders in profit of consolidated
                                                                                0.0            0.0                                         0.0
companies
Ordinary net profit                                                           21.7           18.0           0.9%            0.3%           8.3
Extraordinary after-tax profit                                                 0.0            6.1                                          0.0
Net profit                                                                    21.7           24.1           0.9%            0.3%           8.3
Basic earning in NIS per share                                               960.8        1,066.7                                        367.5


                                                                                 CPI-                     Total
Balances and rates of return on financial items by                    Unindexed              Foreign
                                                                                 indexed                  financial
indexation base on 30.09.2008                                         NIS                    Currency (2)
                                                                                 NIS                      items
Balance of financial assets on balance-sheet date                          1,424       2,836         236          4,496
Balance of financial liabilities on balance-sheet date                     1,379       2,551         236          4,166
Excess of financial assets over financial liabilities                         44         285           0            329
Total indexation balance (incl.forwards and options in term of
               3                                                                 44           285               0            329
basis assets)
                                       4
Rate of income on assets (percent)                                             5.22         11.68           -8.32            8.68
Rate of expenditure on liabilities (percent) 4                                -4.02        -10.95            9.78           -7.88
Interest-rate differential                                                     1.20          0.73            1.46            0.80

Problem borrowers                                                      30.09.2008 31.12.2007
Total credit risk dew to problem borrowers                                      96        142
Total credit to problem borrowers                                               68        104

Main financial ratios - consolidated (percent)                         30.09.2008 31.12.2007
Equity/balance-sheet ratio                                                    7.05       7.33
Finanancial capital/equity ratio                                           103.62     104.05
Equity/risk-weighted-assets ratio                                            11.50      11.65
Return on equity (net profit average equity ratio) 5                          9.60      10.20
Operating income/operating expenses ratio 6                                  45.69      42.07

1
  See note 5.1.7 in the introduction
2
  Including foreign-currency indexed NIS.
3
  Forwards transactions.
4
  Nine-month rate of income (expenses), on annual basis including hedging, embedded and ALM derivatives.
5
  Annual basis.
6
  For nine months. Comparative data are annual.                                                                                              3

				
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