| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Euro-Trade Bank Ltd. 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 | 84 | 68 | 0.1% | 0.1% | |
| Securities | 36 | 20 | 0.0% | 0.0% | |
| Credit to the public | 195 | 167 | 0.0% | 0.0% | |
| 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 | 2 | 2 | 0.0% | 0.0% | |
| Other assets | 11 | 7 | 0.1% | 0.1% | |
| Total assets | 327 | 264 | 0.0% | 0.0% | |
| Deposits of the public | 244 | 200 | 0.0% | 0.0% | |
| Deposits of banks | 23 | 11 | 0.1% | 0.1% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 2 | 0 | 0.0% | 0.0% | |
| Other liabilities | 9 | 5 | 0.0% | 0.0% | |
| Total liabilities | 278 | 216 | 0.0% | 0.0% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 50 | 48 | 0.1% | 0.1% | |
| 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 | 7.3 | 7.0 | 0.1% | 0.1% | 3.1 |
| Loan-loss provision | 0.0 | 1.6 | 0.0% | 0.1% | -0.2 |
| Operating and other income | 1.3 | 1.1 | 0.0% | 0.0% | 0.6 |
| Of which: Operating income | 1.3 | 1.1 | 0.0% | 0.0% | 0.6 |
| Operating and other expenses | 7.3 | 7.9 | 0.1% | 0.1% | 3.4 |
| Of which: Salaries and related expenses | 3.7 | 3.7 | 0.1% | 0.1% | 1.7 |
| Ordinary before-tax provision | 1.3 | -1.4 | 0.0% | 0.0% | 0.5 |
| Provision for taxes on ordinary profit | 0.4 | 0.0 | 0.0% | 0.0% | 0.2 |
| Ordinary after-tax profit | 0.9 | -1.4 | 0.1% | -0.1% | 0.3 |
| Bank's share in the profit of subsidiaries | 0.0 | 0.0 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | 0.0 | 0.0 | ||
| Extraordinary after-tax profit | 0.3 | -0.5 | 0.0 | ||
| Net profit | 1.2 | -1.9 | 0.1% | -0.1% | 0.3 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 1.4 | -1.9 | 0.1% | -0.1% | |
| 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 | 144 | 67 | 114 | 325 | |
| Balance of financial liabilities on balance-sheet date | 172 | 22 | 83 | 277 | |
| Excess of financial assets over financial liabilities | -28 | 44 | 31 | 47 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -14 | 64 | -3 | 47 | |
| Rate of income on assets (percent) 3 | 7 | 7 | 7 | 7 | |
| Rate of expenditure on liabilities (percent) 3 | -5 | -8 | -2 | -5 | |
| Interest-rate differential | 2 | -1 | 5 | 2 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 15.17 | 18.18 | |||
| Finanancial capital/equity ratio | 94.92 | 94.63 | |||
| Equity/risk-weighted-assets ratio | 24.95 | 25.29 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 4.97 | 0.45 | |||
| Operating income/operating expenses ratio 5 | 17.32 | 16.70 | |||
| 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. | |||||
| 2 | |||||