| Statement for the first quarter - bank | ||||
| Industrial Development Bank of Israel 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 | 579 | 715 | 0.5% | 0.6% |
| Securities | 213 | 208 | 0.3% | 0.2% |
| Credit to the public | 11,578 | 10,731 | 2.3% | 2.2% |
| Credit to the government | 1,021 | 1,005 | 7.7% | 7.5% |
| Investments in companies included on an equity basis | 3 | 3 | 0.1% | 0.1% |
| Buildings and equipment | 13 | 13 | 0.1% | 0.1% |
| Other assets | 144 | 103 | 1.0% | 0.8% |
| Total assets | 13,551 | 12,777 | 1.8% | 1.7% |
| Deposits of the public | 3,955 | 3,777 | 0.6% | 0.6% |
| Deposits of banks | 1,102 | 798 | 4.8% | 3.8% |
| Deposits of the government | 7,223 | 6,968 | 36.5% | 36.3% |
| Bonds and subordinated notes | 47 | 46 | 0.2% | 0.2% |
| Other liabilities | 210 | 182 | 1.0% | 1.1% |
| Total liabilities | 12,537 | 11,771 | 1.8% | 1.7% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | ||||
| Equity | 1,014 | 1,006 | 2.7% | 2.7% |
| 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 | 35.8 | 28.4 | 0.9% | 0.7% |
| Loan-loss provision | 8.1 | 5.0 | 1.3% | 0.9% |
| Operating and other income | 3.6 | 8.0 | 0.2% | 0.3% |
| Of which: Operating income | 4.9 | 5.0 | 0.3% | 0.2% |
| Operating and other expenses | 22.0 | 19.8 | 0.5% | 0.5% |
| Of which: Salaries and related expenses | 13.6 | 12.0 | 0.5% | 0.4% |
| Ordinary before-tax provision | 9.3 | 11.6 | 0.7% | 0.6% |
| Provision for taxes on ordinary profit | 2.0 | 2.0 | 0.3% | 0.2% |
| Ordinary after-tax profit | 7.3 | 9.6 | 1.0% | 1.1% |
| Bank's share in the profit of subsidiaries | 0.0 | 2.3 | ||
| Share of minority shareholders in profit | ||||
| of consolidated companies | ||||
| Extraordinary after-tax profit | 2.8 | 2.7 | ||
| Net profit | 10.1 | 14.6 | 1.6% | 1.1% |
| Profit after the effect of the difference between the | 10.3 | 14.4 | 1.5% | 1.1% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 7.48 | 7.87 | ||
| Equity/risk-weighted-assets ratio | 16.00 | 17.90 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 5.80 | 11.10 | ||
| Operating income/operating expenses ratio 2 | 16.36 | 39.10 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||