| Statement for the first quarter - bank | ||||
| Leumi Mortgage 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 | 799 | 193 | 79.8% | 66.4% |
| Securities | 0 | 0 | 0.0% | 0.0% |
| Credit to the public | 25,987 | 25,659 | 27.4% | 27.3% |
| 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 | 31 | 31 | 13.3% | 13.0% |
| Other assets | 154 | 144 | 56.1% | 55.3% |
| Total assets | 26,971 | 26,027 | 27.9% | 27.4% |
| Deposits of the public | 6,818 | 6,910 | 16.4% | 16.8% |
| Deposits of banks | 16,694 | 16,115 | 38.1% | 37.5% |
| Deposits of the government | 865 | 689 | 44.0% | 39.6% |
| Bonds and subordinated notes | 1,321 | 1,065 | 36.8% | 32.5% |
| Other liabilities | 87 | 78 | 14.4% | 12.4% |
| Total liabilities | 25,785 | 24,857 | 28.2% | 27.7% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | ||||
| Equity | 1,186 | 1,170 | 22.9% | 23.1% |
| 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 | 49.0 | 46.0 | 20.8% | 17.3% |
| Loan-loss provision | 13.0 | 7.0 | 23.4% | 18.6% |
| Operating and other income | 36.0 | 37.0 | 18.1% | 18.5% |
| Of which: Operating income | 37.0 | 37.0 | 19.0% | 19.0% |
| Operating and other expenses | 40.0 | 31.0 | 23.1% | 19.4% |
| Of which: Salaries and related expenses | 25.0 | 17.0 | 24.9% | 19.4% |
| Ordinary before-tax provision | 32.0 | 45.0 | 15.6% | 16.7% |
| Provision for taxes on ordinary profit | 16.0 | 20.0 | 17.3% | 16.8% |
| Ordinary after-tax profit | 16.0 | 25.0 | 14.2% | 16.6% |
| 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 | 16.0 | 25.0 | 14.3% | 16.7% |
| Profit after the effect of the difference between the | 19.0 | 22.0 | 15.2% | 16.4% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 4.40 | 4.50 | ||
| Equity/risk-weighted-assets ratio | 9.21 | 9.33 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 5.40 | 9.00 | ||
| Operating income/operating expenses ratio 2 | 90.00 | 105.93 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||