| Statement for the first quarter - bank | ||||
| Arab Israel Bank Ltd, 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 | 2,814 | 2,787 | 2.3% | 2.3% |
| Securities | 131 | 135 | 0.2% | 0.2% |
| Credit to the public | 1,220 | 1,212 | 0.2% | 0.2% |
| 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 | 24 | 24 | 0.3% | 0.3% |
| Other assets | 24 | 22 | 0.2% | 0.2% |
| Total assets | 4,212 | 4,180 | 0.6% | 0.6% |
| Deposits of the public | 2,340 | 2,295 | 0.4% | 0.4% |
| Deposits of banks | 1,528 | 1,559 | 6.7% | 7.4% |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% |
| Other liabilities | 37 | 33 | 0.2% | 0.2% |
| Total liabilities | 3,905 | 3,887 | 0.5% | 0.6% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | ||||
| Equity | 307 | 293 | 0.8% | 0.8% |
| 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 | 31.9 | 32.7 | 0.8% | 0.8% |
| Loan-loss provision | 0.9 | 1.1 | 0.1% | 0.2% |
| Operating and other income | 19.3 | 18.6 | 0.8% | 0.7% |
| Of which: Operating income | 18.5 | 17.8 | 1.0% | 0.8% |
| Operating and other expenses | 24.5 | 24.2 | 0.6% | 0.6% |
| Of which: Salaries and related expenses | 16.5 | 15.8 | 0.6% | 0.6% |
| Ordinary before-tax provision | 25.8 | 26.0 | 1.8% | 1.4% |
| Provision for taxes on ordinary profit | 12.4 | 11.7 | 1.9% | 1.3% |
| Ordinary after-tax profit | 13.4 | 14.3 | 1.8% | 1.6% |
| Bank's share in the profit of subsidiaries | 0.0 | 0.0 | ||
| Share of minority shareholders in profit | ||||
| of consolidated companies | ||||
| Extraordinary after-tax profit | 0.0 | 0.0 | ||
| Net profit | 13.4 | 14.3 | 2.1% | 1.1% |
| Profit after the effect of the difference between the | 14.2 | 13.4 | 2.0% | 1.0% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 7.29 | 7.00 | ||
| Equity/risk-weighted-assets ratio | 28.70 | 27.96 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 19.60 | 19.50 | ||
| Operating income/operating expenses ratio 2 | 78.78 | 79.50 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||