| Statement for the first quarter - consolidated | ||||
| The First International Mortgage 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 | 11 | 8 | 1.1% | 2.9% |
| Securities | 0 | 0 | 0.0% | 0.0% |
| Credit to the public | 6,616 | 6,546 | 7.0% | 7.0% |
| Credit to the government | 0 | 0 | 0.0% | 0.0% |
| Investments in companies included on an equity basis | 0 | 1 | 68.7% | 74.5% |
| Buildings and equipment | 14 | 15 | 6.1% | 6.1% |
| Other assets | 9 | 12 | 3.3% | 4.7% |
| Total assets | 6,651 | 6,582 | 6.9% | 6.9% |
| Deposits of the public | 1,284 | 1,320 | 3.1% | 3.2% |
| Deposits of banks | 4,602 | 4,525 | 10.5% | 10.5% |
| Deposits of the government | 144 | 133 | 7.3% | 7.6% |
| Bonds and subordinated notes | 162 | 161 | 4.5% | 4.9% |
| Other liabilities | 18 | 14 | 3.0% | 2.2% |
| Total liabilities | 6,211 | 6,154 | 6.8% | 6.8% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | 25 | 24 | ||
| Equity | 416 | 404 | 8.0% | 8.0% |
| 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 | 22.2 | 22.7 | 9.4% | 8.5% |
| Loan-loss provision | 1.3 | 2.0 | 2.3% | 5.4% |
| Operating and other income | 12.6 | 12.3 | 6.3% | 6.1% |
| Of which: Operating income | 11.7 | 11.2 | 6.0% | 5.7% |
| Operating and other expenses | 10.5 | 9.3 | 6.1% | 5.8% |
| Of which: Salaries and related expenses | 5.7 | 5.0 | 5.7% | 5.7% |
| Ordinary before-tax provision | 23.0 | 23.6 | 11.2% | 8.8% |
| Provision for taxes on ordinary profit | 11.0 | 10.6 | 11.9% | 8.9% |
| Ordinary after-tax profit | 11.9 | 13.0 | 10.6% | 8.7% |
| Bank's share in the profit of subsidiaries | 0.0 | 0.0 | ||
| Share of minority shareholders in profit | -0.7 | -0.7 | ||
| of consolidated companies | ||||
| Extraordinary after-tax profit | 0.0 | 0.0 | ||
| Net profit | 11.3 | 12.3 | 10.1% | 8.2% |
| Profit after the effect of the difference between the | 12.3 | 11.2 | 9.8% | 8.4% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 6.25 | 6.14 | ||
| Equity/risk-weighted-assets ratio | 11.90 | 11.70 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 11.60 | 12.60 | ||
| Operating income/operating expenses ratio 2 | 119.32 | 124.41 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||