| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Bank Leumi Le-Israel B.M. and its subsidiaries, Main data, NIS million | |||||
| Taken from the quarterly report to 30.06.2001. Adjusted to the CPI for 06.2001. | |||||
| Summary consolidated balance sheet | 30.06.2001 | 31.12.2000 | Bank's share of the banking system | ||
| 30.06.2001 | 31.12.2000 | ||||
| Cash and deposits in banks | 20,860 | 28,751 | 17.6% | 23.8% | |
| Securities | 35,699 | 36,146 | 42.0% | 41.9% | |
| Credit to the public | 151,413 | 143,148 | 29.1% | 28.8% | |
| Credit to the government | 1,164 | 1,192 | 12.4% | 8.7% | |
| Investments in companies included on an equity basis | 1,391 | 1,232 | 35.8% | 30.1% | |
| Buildings and equipment | 2,238 | 1,999 | 23.9% | 22.1% | |
| Other assets | 4,390 | 4,119 | 31.4% | 33.4% | |
| Total assets | 217,155 | 216,587 | 28.6% | 29.2% | |
| Deposits of the public | 181,849 | 183,916 | 29.1% | 29.8% | |
| Deposits of banks | 4,294 | 3,686 | 18.4% | 17.4% | |
| Deposits of the government | 3,908 | 3,815 | 20.1% | 19.6% | |
| Bonds and subordinated notes | 8,094 | 6,924 | 25.0% | 24.3% | |
| Other liabilities | 6,580 | 6,572 | 35.1% | 38.3% | |
| Total liabilities | 204,725 | 204,913 | 28.5% | 29.2% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 401 | 403 | |||
| Equity | 12,029 | 11,271 | 31.2% | 30.0% | |
| Summary consolidated profit and loss statement | Six months to | Bank's share of the banking system | Three months to | ||
| Six months to | |||||
| 30.06.2001 | 30.06.2000 | 30.06.2001 | 30.06.2000 | 30.06.2001 | |
| Net interest profit before loan-loss provision | 2499.0 | 2361.0 | 29.8% | 29.8% | 1234.0 |
| Loan-loss provision | 271.0 | 257.0 | 20.8% | 23.8% | 179.0 |
| Operating and other income | 1313.0 | 1401.0 | 27.2% | 27.2% | 680.0 |
| Of which: Operating income | 1026.0 | 1106.0 | 25.9% | 26.5% | 518.0 |
| Operating and other expenses | 2402.0 | 2401.0 | 28.2% | 28.6% | 1060.0 |
| Of which: Salaries and related expenses | 1584.0 | 1631.0 | 29.4% | 30.8% | 639.0 |
| Ordinary before-tax provision | 1139.0 | 1104.0 | 33.5% | 30.5% | 675.0 |
| Provision for taxes on ordinary profit | 548.0 | 552.0 | 31.2% | 30.6% | 349.0 |
| Ordinary after-tax profit | 591.0 | 552.0 | 36.0% | 30.7% | 326.0 |
| Bank's share in the profit of subsidiaries | 45.0 | 79.0 | 24.0 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | -11.0 | 4.0 | ||
| Extraordinary after-tax profit | 6.0 | 344.0 | 4.0 | ||
| Net profit | 642.0 | 964.0 | 43.5% | 41.4% | 358.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 668.0 | 973.0 | 42.9% | 41.2% | |
| Balances and rates of return on financial items by indexation base on 30.06.2001 | Unindexed NIS | CPI-indexed NIS | Foreign Currency (1) | Total financial items | |
| Balance of financial assets on balance-sheet date | 62246 | 59541 | 89589 | 211376 | |
| Balance of financial liabilities on balance-sheet date | 75251 | 46913 | 81626 | 203790 | |
| Excess of financial assets over financial liabilities | -13005 | 12628 | 7963 | 7586 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -2765 | 10543 | -192 | 7586 | |
| Rate of income on assets (percent) 3 | 7 | 5 | 7 | 7 | |
| Rate of expenditure on liabilities (percent) 3 | -4 | -4 | -5 | -5 | |
| Interest-rate differential | 3 | 1 | 2 | 2 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.54 | 5.20 | |||
| Finanancial capital/equity ratio | 63.06 | 64.30 | |||
| Equity/risk-weighted-assets ratio | 9.70 | 9.20 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 11.70 | 15.30 | |||
| Operating income/operating expenses ratio 5 | 54.66 | 53.56 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Six-month rate of income (expenses), on annual basis including ALM derivatives. | |||||
| 4 Annual basis. | |||||
| 5 For six months. Comparative data are annual. | |||||
| 5 | |||||