| Statement for the first quarter - consolidated | ||||
| Bank Yahav Le-Ovdei Hamdina 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 | 2,690 | 2,306 | 2.2% | 1.9% |
| Securities | 1,528 | 1,627 | 1.8% | 1.9% |
| Credit to the public | 897 | 873 | 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 | 97 | 99 | 1.1% | 1.1% |
| Other assets | 44 | 56 | 0.3% | 0.5% |
| Total assets | 5,255 | 4,960 | 0.7% | 0.7% |
| Deposits of the public | 4,960 | 4,685 | 0.8% | 0.8% |
| Deposits of banks | 7 | 7 | 0.0% | 0.0% |
| Deposits of the government | 1 | 1 | 0.0% | 0.0% |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% |
| Other liabilities | 35 | 36 | 0.2% | 0.2% |
| Total liabilities | 5,003 | 4,729 | 0.7% | 0.7% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 0 | 0 | ||
| Equity | 252 | 231 | 0.7% | 0.6% |
| 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 | 20.1 | 15.1 | 0.5% | 0.4% |
| Loan-loss provision | 0.3 | 0.1 | 0.0% | 0.0% |
| Operating and other income | 30.5 | 32.7 | 1.3% | 1.2% |
| Of which: Operating income | 17.6 | 20.6 | 0.9% | 1.0% |
| Operating and other expenses | 44.6 | 40.2 | 1.0% | 0.9% |
| Of which: Salaries and related expenses | 26.8 | 22.2 | 0.9% | 0.8% |
| Ordinary before-tax provision | 5.7 | 7.5 | 0.4% | 0.4% |
| Provision for taxes on ordinary profit | 2.9 | 4.0 | 0.4% | 0.4% |
| Ordinary after-tax profit | 2.8 | 3.5 | 0.4% | 0.4% |
| 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 | 0.0 | 0.0 | ||
| Net profit | 2.8 | 3.5 | 0.4% | 0.3% |
| Profit after the effect of the difference between the | 3.5 | 2.7 | 0.5% | 0.2% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 4.79 | 4.65 | ||
| Equity/risk-weighted-assets ratio | 16.10 | 15.60 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 4.90 | 8.70 | ||
| Operating income/operating expenses ratio 2 | 68.39 | 76.40 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||