| Statement for the first quarter - consolidated | ||||
| Euro-Trade Bank and its subsidiaries, main data, NIS million | ||||
| Taken from the quarterly report to 31.03.2001 Adjusted to the CPI for 03.2001 | ||||
| Summary consolidated balance sheet | 31.03.2001 | 31.12.2000 | Bank's share of the banking system | |
| 31.03.2001 | 31.12.2000 | |||
| Cash and deposits in banks | 123 | 67 | 0.1% | 0.1% |
| Securities | 27 | 20 | 0.0% | 0.0% |
| Credit to the public | 184 | 165 | 0.0% | 0.0% |
| 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 | 2 | 2 | 0.0% | 0.0% |
| Other assets | 8 | 6 | 0.1% | 0.1% |
| Total assets | 344 | 260 | 0.0% | 0.0% |
| Deposits of the public | 262 | 197 | 0.0% | 0.0% |
| Deposits of banks | 26 | 11 | 0.1% | 0.1% |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% |
| Other liabilities | 7 | 5 | 0.0% | 0.0% |
| Total liabilities | 296 | 213 | 0.0% | 0.0% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 0 | 0 | ||
| Equity | 48 | 47 | 0.1% | 0.1% |
| Bank's share of the banking system | ||||
| Summary consolidated profit and loss statement | Three months to | Three months to | ||
| 31.03.2001 | 31.03.2000 | 31.03.2001 | 31.03.2000 | |
| Net interest profit before loan-loss provision | 4.1 | 3.9 | 0.1% | 0.1% |
| Loan-loss provision | 0.2 | 1.7 | 0.0% | 0.3% |
| Operating and other income | 0.7 | 0.6 | 0.0% | 0.0% |
| Of which: Operating income | 0.7 | 0.6 | 0.0% | 0.0% |
| Operating and other expenses | 3.8 | 4.3 | 0.1% | 0.1% |
| Of which: Salaries and related expenses | 2.0 | 2.2 | 0.1% | 0.1% |
| Ordinary before-tax provision | 0.8 | -1.6 | 0.1% | -0.1% |
| Provision for taxes on ordinary profit | 0.2 | 0.0 | 0.0% | 0.0% |
| Ordinary after-tax profit | 0.6 | -1.6 | 0.1% | -0.2% |
| Bank's share in the profit of subsidiaries | 0.0 | 0.0 | ||
| Share of minority shareholders in profit | 0.0 | 0.0 | ||
| of consolidated companies | ||||
| Extraordinary after-tax profit | 0.3 | 0.0 | ||
| Net profit | 0.9 | -1.6 | 0.1% | -0.1% |
| Profit after the effect of the difference between the | 1.0 | -1.7 | 0.1% | -0.1% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 14.08 | 18.18 | ||
| Equity/risk-weighted-assets ratio | 25.40 | 25.44 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 7.52 | 0.45 | ||
| Operating income/operating expenses ratio 2 | 17.70 | 16.70 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||