| Statement for the first quarter - consolidated | ||||
| Bank "Adanim" Mortgage and Loans 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 | 12 | 4 | 1.2% | 1.4% |
| Securities | 0 | 0 | 0.0% | 0.0% |
| Credit to the public | 2,468 | 2,407 | 2.6% | 2.6% |
| 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 | 19 | 19 | 7.9% | 7.9% |
| Other assets | 12 | 12 | 4.4% | 4.5% |
| Total assets | 2,511 | 2,441 | 2.6% | 2.6% |
| Deposits of the public | 2,137 | 2,077 | 5.2% | 5.0% |
| Deposits of banks | 73 | 80 | 0.2% | 0.2% |
| Deposits of the government | 37 | 38 | 1.9% | 2.2% |
| Bonds and subordinated notes | 106 | 101 | 3.0% | 3.1% |
| Other liabilities | 48 | 38 | 7.9% | 6.1% |
| Total liabilities | 2,401 | 2,335 | 2.6% | 2.6% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 0 | 0 | ||
| Equity | 110 | 107 | 2.1% | 2.1% |
| 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 | 8.9 | 8.2 | 3.8% | 3.1% |
| Loan-loss provision | 1.0 | 1.3 | 1.8% | 3.5% |
| Operating and other income | 6.2 | 6.3 | 3.1% | 3.1% |
| Of which: Operating income | 6.2 | 6.3 | 3.2% | 3.2% |
| Operating and other expenses | 7.5 | 7.4 | 4.3% | 4.6% |
| Of which: Salaries and related expenses | 4.6 | 4.4 | 4.6% | 5.0% |
| Ordinary before-tax provision | 6.6 | 5.8 | 3.2% | 2.2% |
| Provision for taxes on ordinary profit | 3.1 | 2.5 | 3.4% | 2.1% |
| Ordinary after-tax profit | 3.5 | 3.3 | 3.1% | 2.2% |
| 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 | 3.5 | 3.3 | 3.1% | 2.2% |
| Profit after the effect of the difference between the | 3.8 | 3.0 | 3.0% | 2.2% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 4.40 | 4.38 | ||
| Equity/risk-weighted-assets ratio | 9.51 | 9.53 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 13.80 | 11.30 | ||
| Operating income/operating expenses ratio 2 | 82.67 | 83.23 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||