| Statement for the first quarter - bank | ||||
| Mishkan Bank Hapoalim Lemashkantaot 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 | 11 | 10 | 1.1% | 3.5% |
| Securities | 1 | 1 | 0.4% | 0.4% |
| Credit to the public | 22,908 | 22,759 | 24.1% | 24.2% |
| 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 | 79 | 80 | 33.7% | 33.5% |
| Other assets | 24 | 22 | 8.6% | 8.3% |
| Total assets | 23,022 | 22,871 | 23.8% | 24.1% |
| Deposits of the public | 9,549 | 9,426 | 23.0% | 22.9% |
| Deposits of banks | 10,936 | 10,955 | 25.0% | 25.5% |
| Deposits of the government | 619 | 577 | 31.5% | 33.1% |
| Bonds and subordinated notes | 611 | 633 | 17.0% | 19.3% |
| Other liabilities | 139 | 133 | 22.9% | 21.2% |
| Total liabilities | 21,855 | 21,724 | 23.9% | 24.2% |
| Quasi-capital items | 0 | 0 | ||
| Minority shareholders' rights | 0 | 0 | ||
| Equity | 1,167 | 1,147 | 22.6% | 22.7% |
| 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 | 46.3 | 57.8 | 19.6% | 21.7% |
| Loan-loss provision | 15.3 | -1.9 | 27.5% | -5.0% |
| Operating and other income | 49.8 | 49.5 | 25.1% | 24.7% |
| Of which: Operating income | 49.8 | 49.5 | 25.6% | 25.4% |
| Operating and other expenses | 40.6 | 33.7 | 23.4% | 21.0% |
| Of which: Salaries and related expenses | 21.3 | 16.5 | 21.3% | 18.8% |
| Ordinary before-tax provision | 40.2 | 75.6 | 19.6% | 28.1% |
| Provision for taxes on ordinary profit | 19.8 | 33.1 | 21.4% | 27.8% |
| Ordinary after-tax profit | 20.4 | 42.5 | 18.1% | 28.3% |
| 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 | 20.4 | 42.5 | 18.2% | 28.4% |
| Profit after the effect of the difference between the | 24.0 | 38.0 | 19.2% | 28.3% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 5.07 | 5.01 | ||
| Equity/risk-weighted-assets ratio | 9.33 | 9.35 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 7.30 | 13.80 | ||
| Operating income/operating expenses ratio 2 | 122.63 | 140.62 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||