| Statement for the first quarter - consolidated | ||||
| Bank of Jerusalem 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 | 340 | 290 | 0.3% | 0.2% |
| Securities | 276 | 276 | 0.3% | 0.3% |
| Credit to the public | 4,784 | 4,661 | 0.9% | 1.0% |
| Credit to the government | 0 | 0 | 0.0% | 0.0% |
| Investments in companies included on an equity basis | 3 | 3 | 0.1% | 0.1% |
| Buildings and equipment | 59 | 60 | 0.6% | 0.7% |
| Other assets | 17 | 11 | 0.1% | 0.1% |
| Total assets | 5,479 | 5,301 | 0.7% | 0.7% |
| Deposits of the public | 4,463 | 4,316 | 0.7% | 0.7% |
| Deposits of banks | 327 | 311 | 1.4% | 1.5% |
| Deposits of the government | 111 | 89 | 0.6% | 0.5% |
| Bonds and subordinated notes | 244 | 256 | 0.8% | 0.9% |
| Other liabilities | 47 | 50 | 0.2% | 0.3% |
| Total liabilities | 5,192 | 5,020 | 0.7% | 0.7% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 0 | 0 | ||
| Equity | 287 | 281 | 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 | 21.9 | 22.1 | 0.5% | 0.5% |
| Loan-loss provision | 0.6 | 2.1 | 0.1% | 0.4% |
| Operating and other income | 22.2 | 26.4 | 1.0% | 1.0% |
| Of which: Operating income | 21.4 | 21.3 | 1.1% | 1.0% |
| Operating and other expenses | 30.8 | 32.9 | 0.7% | 0.8% |
| Of which: Salaries and related expenses | 18.8 | 19.4 | 0.7% | 0.7% |
| Ordinary before-tax provision | 12.7 | 13.5 | 0.9% | 0.7% |
| Provision for taxes on ordinary profit | 5.8 | 4.6 | 0.9% | 0.5% |
| Ordinary after-tax profit | 6.9 | 8.9 | 0.9% | 1.0% |
| 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 | 6.9 | 8.9 | 1.1% | 0.7% |
| Profit after the effect of the difference between the | 7.3 | 8.7 | 1.0% | 0.7% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 5.25 | 5.29 | ||
| Equity/risk-weighted-assets ratio | 11.40 | 11.40 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 10.20 | 11.30 | ||
| Operating income/operating expenses ratio 2 | 72.08 | 79.97 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||