| Statement for the first quarter - bank | ||||
| Discount 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 | 45 | 21 | 4.5% | 7.2% |
| Securities | 1 | 1 | 0.6% | 0.6% |
| Credit to the public | 8,136 | 8,151 | 8.6% | 8.7% |
| 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 | 13 | 13 | 5.6% | 5.5% |
| Other assets | 11 | 10 | 4.0% | 3.8% |
| Total assets | 8,206 | 8,196 | 8.5% | 8.6% |
| Deposits of the public | 2,866 | 2,933 | 6.9% | 7.1% |
| Deposits of banks | 4,322 | 4,252 | 9.9% | 9.9% |
| Deposits of the government | 56 | 58 | 2.8% | 3.3% |
| Bonds and subordinated notes | 240 | 242 | 6.7% | 7.4% |
| Other liabilities | 37 | 39 | 6.1% | 6.2% |
| Total liabilities | 7,521 | 7,524 | 8.2% | 8.4% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | ||||
| Equity | 685 | 672 | 13.3% | 13.3% |
| 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 | 31.0 | 37.0 | 13.2% | 13.9% |
| Loan-loss provision | 7.0 | 7.0 | 12.6% | 18.6% |
| Operating and other income | 14.0 | 15.0 | 7.1% | 7.5% |
| Of which: Operating income | 14.0 | 15.0 | 7.2% | 7.7% |
| Operating and other expenses | 13.0 | 14.0 | 7.5% | 8.7% |
| Of which: Salaries and related expenses | 7.0 | 7.0 | 7.0% | 8.0% |
| Ordinary before-tax provision | 25.0 | 31.0 | 12.2% | 11.5% |
| Provision for taxes on ordinary profit | 12.0 | 12.0 | 13.0% | 10.1% |
| Ordinary after-tax profit | 13.0 | 19.0 | 11.5% | 12.6% |
| 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 | 13.0 | 19.0 | 11.6% | 12.7% |
| Profit after the effect of the difference between the | 15.0 | 17.0 | 12.0% | 12.7% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 8.35 | 8.20 | ||
| Equity/risk-weighted-assets ratio | 12.60 | 12.50 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 7.90 | 9.60 | ||
| Operating income/operating expenses ratio 2 | 107.69 | 96.61 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||