| Statement for the first quarter - consolidated | ||||
| Otsar Hahayal 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 | 2,240 | 2,205 | 1.9% | 1.9% |
| Securities | 100 | 93 | 0.1% | 0.1% |
| Credit to the public | 5,518 | 5,495 | 1.1% | 1.1% |
| Credit to the government | 1 | 0 | 0.0% | 0.0% |
| Investments in companies included on an equity basis | 0 | 0 | 0.0% | 0.0% |
| Buildings and equipment | 70 | 69 | 0.8% | 0.8% |
| Other assets | 64 | 58 | 0.4% | 0.5% |
| Total assets | 7,992 | 7,921 | 1.1% | 1.1% |
| Deposits of the public | 7,242 | 7,140 | 1.2% | 1.2% |
| Deposits of banks | 25 | 23 | 0.1% | 0.1% |
| Deposits of the government | 17 | 40 | 0.1% | 0.2% |
| Bonds and subordinated notes | 195 | 197 | 0.6% | 0.7% |
| Other liabilities | 88 | 102 | 0.4% | 0.6% |
| Total liabilities | 7,567 | 7,501 | 1.1% | 1.1% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 1 | 1 | ||
| Equity | 425 | 419 | 1.1% | 1.1% |
| 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 | 55.9 | 56.1 | 1.4% | 1.4% |
| Loan-loss provision | 2.2 | 5.6 | 0.3% | 1.0% |
| Operating and other income | 32.3 | 36.1 | 1.4% | 1.4% |
| Of which: Operating income | 28.7 | 32.3 | 1.5% | 1.5% |
| Operating and other expenses | 74.9 | 72.1 | 1.7% | 1.7% |
| Of which: Salaries and related expenses | 46.8 | 44.3 | 1.6% | 1.6% |
| Ordinary before-tax provision | 11.1 | 14.5 | 0.8% | 0.8% |
| Provision for taxes on ordinary profit | 5.1 | 6.7 | 0.8% | 0.7% |
| Ordinary after-tax profit | 6.0 | 7.8 | 0.8% | 0.9% |
| 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 | -0.2 | 0.0 | ||
| Net profit | 5.8 | 7.8 | 0.9% | 0.6% |
| Profit after the effect of the difference between the | 6.4 | 6.9 | 0.9% | 0.5% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 5.31 | 5.29 | ||
| Equity/risk-weighted-assets ratio | 10.18 | 10.11 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 5.64 | -3.03 | ||
| Operating income/operating expenses ratio 2 | 43.12 | 42.74 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||