| Statement for the first quarter - consolidated | ||||
| The First International Bank of Israel 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 | 14,936 | 15,195 | 12.5% | 12.8% |
| Securities | 3,572 | 4,290 | 4.2% | 5.1% |
| Credit to the public | 43,826 | 42,061 | 8.6% | 8.6% |
| Credit to the government | 172 | 144 | 1.3% | 1.1% |
| Investments in companies included on an equity basis | 18 | 19 | 0.5% | 0.5% |
| Buildings and equipment | 702 | 712 | 7.7% | 8.0% |
| Other assets | 1,519 | 1,316 | 10.4% | 10.9% |
| Total assets | 64,745 | 63,737 | 8.6% | 8.7% |
| Deposits of the public | 56,806 | 56,124 | 9.1% | 9.2% |
| Deposits of banks | 1,038 | 1,239 | 4.5% | 5.9% |
| Deposits of the government | 597 | 597 | 3.0% | 3.1% |
| Bonds and subordinated notes | 1,693 | 1,473 | 5.6% | 5.3% |
| Other liabilities | 1,436 | 1,205 | 7.0% | 7.1% |
| Total liabilities | 61,570 | 60,638 | 8.6% | 8.8% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 143 | 139 | ||
| Equity | 3,032 | 2,960 | 7.9% | 7.9% |
| 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 | 305.0 | 295.0 | 7.4% | 7.2% |
| Loan-loss provision | 30.0 | 31.0 | 4.7% | 5.6% |
| Operating and other income | 167.0 | 206.0 | 7.2% | 7.9% |
| Of which: Operating income | 140.0 | 185.0 | 7.2% | 8.7% |
| Operating and other expenses | 298.0 | 326.0 | 6.8% | 7.5% |
| Of which: Salaries and related expenses | 191.0 | 184.0 | 6.7% | 6.6% |
| Ordinary before-tax provision | 144.0 | 144.0 | 10.3% | 7.9% |
| Provision for taxes on ordinary profit | 80.0 | 85.0 | 12.1% | 9.3% |
| Ordinary after-tax profit | 64.0 | 59.0 | 8.7% | 6.5% |
| Bank's share in the profit of subsidiaries | 0.0 | 1.0 | ||
| Share of minority shareholders in profit | -3.0 | 7.0 | ||
| of consolidated companies | ||||
| Extraordinary after-tax profit | 0.0 | -2.0 | ||
| Net profit | 61.0 | 65.0 | 9.5% | 4.8% |
| Profit after the effect of the difference between the | 70.0 | 59.0 | 10.0% | 4.6% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 4.68 | 4.64 | ||
| Equity/risk-weighted-assets ratio | 9.20 | 9.50 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 8.50 | 11.50 | ||
| Operating income/operating expenses ratio 2 | 56.04 | 58.08 | ||
| 1 annual basis. | ||||