| Statement for the first quarter - bank | ||||
| Azmauth Mortgage and Development 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 | 26 | 0 | 2.6% | 0.1% |
| Securities | 0 | 0 | 0.0% | 0.0% |
| Credit to the public | 1,847 | 1,844 | 1.9% | 2.0% |
| 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 | 5 | 5 | 2.1% | 2.2% |
| Other assets | 3 | 6 | 1.3% | 2.5% |
| Total assets | 1,882 | 1,856 | 1.9% | 2.0% |
| Deposits of the public | 374 | 384 | 0.9% | 0.9% |
| Deposits of banks | 1,286 | 1,263 | 2.9% | 2.9% |
| Deposits of the government | 67 | 58 | 3.4% | 3.4% |
| Bonds and subordinated notes | 10 | 10 | 0.3% | 0.3% |
| Other liabilities | 7 | 6 | 1.2% | 1.0% |
| Total liabilities | 1,743 | 1,722 | 1.9% | 1.9% |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% |
| Minority shareholders' rights | ||||
| Equity | 138 | 135 | 2.7% | 2.7% |
| 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 | 6.9 | 6.8 | 2.9% | 2.5% |
| Loan-loss provision | 0.9 | 1.1 | 1.6% | 2.8% |
| Operating and other income | 6.2 | 6.2 | 3.1% | 3.1% |
| Of which: Operating income | 6.1 | 6.1 | 3.1% | 3.1% |
| Operating and other expenses | 5.4 | 4.7 | 3.1% | 3.0% |
| Of which: Salaries and related expenses | 3.3 | 2.7 | 3.2% | 3.1% |
| Ordinary before-tax provision | 6.9 | 7.2 | 3.4% | 2.7% |
| Provision for taxes on ordinary profit | 3.3 | 3.2 | 3.6% | 2.7% |
| Ordinary after-tax profit | 3.6 | 4.0 | 3.2% | 2.7% |
| 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 | 3.6 | 4.0 | 3.2% | 2.7% |
| Profit after the effect of the difference between the | 3.9 | 3.6 | 3.1% | 2.7% |
| known index and the "in lieu" index | ||||
| Main financial ratios - consolidated (percent) | 31.03.2001 | 31.12.2000 | ||
| Equity/balance-sheet ratio | 7.35 | 7.26 | ||
| Equity/risk-weighted-assets ratio | 12.60 | 12.40 | ||
| Return on equity (net profit/gross weighted-capital ratio) 1 | 11.10 | 11.90 | ||
| Operating income/operating expenses ratio 2 | 116.60 | 124.69 | ||
| 1 annual basis. | ||||
| 2 For three months. Comparative data are annual. | ||||