| Statement for the first quarter - consolidated | ||||
| Carmel Mortgage and Investment Bank 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 | 85 | 21 | 8.4% | 7.2% |
| Securities | 103 | 116 | 66.2% | 67.5% |
| Credit to the public | 1,332 | 1,354 | 1.4% | 1.4% |
| Credit to the government | 0 | 0 | 0.0% | 0.0% |
| Investments in companies included on an equity basis | 0 | 0 | 31.3% | 25.5% |
| Buildings and equipment | 8 | 9 | 3.6% | 3.7% |
| Other assets | 7 | 7 | 2.7% | 2.5% |
| Total assets | 1,535 | 1,505 | 1.6% | 1.6% |
| Deposits of the public | 1,270 | 1,245 | 3.1% | 3.0% |
| Deposits of banks | 36 | 38 | 0.1% | 0.1% |
| Deposits of the government | 28 | 22 | 1.4% | 1.2% |
| Bonds and subordinated notes | 70 | 70 | 2.0% | 2.1% |
| Other liabilities | 12 | 12 | 1.9% | 1.9% |
| Total liabilities | 1,415 | 1,387 | 1.5% | 1.5% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 1 | 1 | ||
| Equity | 119 | 118 | 2.3% | 2.3% |
| 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 | 3.1 | 4.9 | 1.3% | 1.8% |
| Loan-loss provision | 0.1 | 0.2 | 0.2% | 0.5% |
| Operating and other income | 4.9 | 5.3 | 2.5% | 2.6% |
| Of which: Operating income | 4.9 | 5.2 | 2.5% | 2.7% |
| Operating and other expenses | 6.7 | 7.8 | 3.9% | 4.9% |
| Of which: Salaries and related expenses | 3.7 | 3.9 | 3.7% | 4.4% |
| Ordinary before-tax provision | 1.2 | 2.2 | 0.6% | 0.8% |
| Provision for taxes on ordinary profit | 0.4 | 0.8 | 0.4% | 0.7% |
| Ordinary after-tax profit | 0.8 | 1.4 | 0.7% | 0.9% |
| 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 | 0.8 | 1.4 | 0.7% | 0.9% |
| Profit after the effect of the difference between the | 1.0 | 1.1 | 0.8% | 0.8% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 7.78 | 7.83 | ||
| Equity/risk-weighted-assets ratio | 14.70 | 15.40 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 2.70 | 3.70 | ||
| Operating income/operating expenses ratio 2 | 73.13 | 70.69 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||