| Statement for the first quarter - consolidated | ||||
| Israel Discount Bank Ltd 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 | 22,040 | 21,231 | 18.4% | 17.8% |
| Securities | 25,170 | 24,374 | 29.6% | 28.7% |
| Credit to the public | 69,119 | 67,865 | 13.6% | 13.9% |
| Credit to the government | 541 | 526 | 4.1% | 3.9% |
| Investments in companies included on an equity basis | 880 | 917 | 22.7% | 22.8% |
| Buildings and equipment | 1,705 | 1,693 | 18.7% | 19.0% |
| Other assets | 2,431 | 2,509 | 16.6% | 20.7% |
| Total assets | 121,886 | 119,115 | 16.1% | 16.3% |
| Deposits of the public | 106,297 | 104,243 | 17.1% | 17.2% |
| Deposits of banks | 3,682 | 3,520 | 16.0% | 16.8% |
| Deposits of the government | 240 | 265 | 1.2% | 1.4% |
| Bonds and subordinated notes | 3,520 | 3,198 | 11.6% | 11.4% |
| Other liabilities | 2,565 | 2,279 | 12.6% | 13.5% |
| Total liabilities | 116,304 | 113,505 | 16.3% | 16.4% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 415 | 402 | ||
| Equity | 5,167 | 5,208 | 13.5% | 14.0% |
| 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 | 652.0 | 715.0 | 15.9% | 17.5% |
| Loan-loss provision | 279.0 | 127.0 | 43.6% | 22.8% |
| Operating and other income | 437.0 | 433.0 | 18.8% | 16.5% |
| Of which: Operating income | 369.0 | 377.0 | 19.0% | 17.7% |
| Operating and other expenses | 870.0 | 832.0 | 19.8% | 19.3% |
| Of which: Salaries and related expenses | 547.0 | 535.0 | 19.1% | 19.3% |
| Ordinary before-tax provision | -60.0 | 189.0 | -4.3% | 10.4% |
| Provision for taxes on ordinary profit | 80.0 | 102.0 | 12.1% | 11.1% |
| Ordinary after-tax profit | -140.0 | 87.0 | -19.0% | 9.6% |
| Bank's share in the profit of subsidiaries | 17.0 | 19.0 | ||
| Share of minority shareholders in profit | -13.0 | -18.0 | ||
| of consolidated companies | ||||
| Extraordinary after-tax profit | 4.0 | -1.0 | ||
| Net profit | -132.0 | 87.0 | -20.5% | 6.4% |
| Profit after the effect of the difference between the | -122.0 | 74.0 | -17.5% | 5.7% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 4.24 | 4.37 | ||
| Equity/risk-weighted-assets ratio | 9.30 | 9.30 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | -9.80 | -2.00 | ||
| Operating income/operating expenses ratio 2 | 50.23 | 50.10 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||