| Statement for the first quarter - bank | ||||
| Poalei Agudat 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 | 1,236 | 1,131 | 1.0% | 1.0% |
| Securities | 101 | 122 | 0.1% | 0.1% |
| Credit to the public | 843 | 799 | 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 | 27 | 27 | 0.3% | 0.3% |
| Other assets | 7 | 4 | 0.1% | 0.0% |
| Total assets | 2,214 | 2,082 | 0.3% | 0.3% |
| Deposits of the public | 2,016 | 1,883 | 0.3% | 0.3% |
| Deposits of banks | 14 | 18 | 0.1% | 0.1% |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% |
| Other liabilities | 22 | 25 | 0.1% | 0.1% |
| Total liabilities | 2,051 | 1,925 | 0.3% | 0.3% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | ||||
| Equity | 163 | 157 | 0.4% | 0.4% |
| 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 | 16.2 | 13.8 | 0.4% | 0.3% |
| Loan-loss provision | 1.3 | 1.1 | 0.2% | 0.2% |
| Operating and other income | 13.4 | 14.5 | 0.6% | 0.6% |
| Of which: Operating income | 13.4 | 14.5 | 0.7% | 0.7% |
| Operating and other expenses | 17.3 | 15.3 | 0.4% | 0.4% |
| Of which: Salaries and related expenses | 8.8 | 7.2 | 0.3% | 0.3% |
| Ordinary before-tax provision | 11.0 | 11.9 | 0.8% | 0.7% |
| Provision for taxes on ordinary profit | 5.3 | 5.4 | 0.8% | 0.6% |
| Ordinary after-tax profit | 5.7 | 6.5 | 0.8% | 0.7% |
| 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 | 5.7 | 6.5 | 0.9% | 0.5% |
| Profit after the effect of the difference between the | 6.2 | 6.1 | 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 | 7.37 | 7.53 | ||
| Equity/risk-weighted-assets ratio | 15.40 | 15.80 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 15.40 | 18.90 | ||
| Operating income/operating expenses ratio 2 | 77.46 | 87.48 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||