| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Israel Discount 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 | 22,005 | 21,572 | 18.6% | 17.9% | |
| Securities | 24,507 | 24,765 | 28.8% | 28.7% | |
| Credit to the public | 70,377 | 68,954 | 13.5% | 13.9% | |
| Credit to the government | 468 | 534 | 5.0% | 3.9% | |
| Investments in companies included on an equity basis | 912 | 932 | 23.5% | 22.8% | |
| Buildings and equipment | 1,746 | 1,720 | 18.7% | 19.0% | |
| Other assets | 2,428 | 2,549 | 17.3% | 20.7% | |
| Total assets | 122,443 | 121,026 | 16.1% | 16.3% | |
| Deposits of the public | 106,663 | 105,916 | 17.0% | 17.2% | |
| Deposits of banks | 3,977 | 3,576 | 17.0% | 16.9% | |
| Deposits of the government | 295 | 269 | 1.5% | 1.4% | |
| Bonds and subordinated notes | 3,645 | 3,249 | 11.3% | 11.4% | |
| Other liabilities | 2,186 | 2,316 | 11.7% | 13.5% | |
| Total liabilities | 116,766 | 115,326 | 16.2% | 16.4% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 428 | 408 | |||
| Equity | 5,249 | 5,292 | 13.6% | 14.1% | |
| 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 | 1377.0 | 1355.0 | 16.4% | 17.1% | 711.0 |
| Loan-loss provision | 470.0 | 252.0 | 36.0% | 23.3% | 186.0 |
| Operating and other income | 920.0 | 877.0 | 19.0% | 17.0% | 483.0 |
| Of which: Operating income | 744.0 | 741.0 | 18.8% | 17.8% | 373.0 |
| Operating and other expenses | 1778.0 | 1684.0 | 20.9% | 20.1% | 897.0 |
| Of which: Salaries and related expenses | 1115.0 | 1072.0 | 20.7% | 20.2% | 564.0 |
| Ordinary before-tax provision | 49.0 | 296.0 | 1.4% | 8.2% | 111.0 |
| Provision for taxes on ordinary profit | 173.0 | 185.0 | 9.8% | 10.3% | 91.0 |
| Ordinary after-tax profit | -124.0 | 111.0 | -7.5% | 6.2% | 20.0 |
| Bank's share in the profit of subsidiaries | 35.0 | 35.0 | 17.0 | ||
| Share of minority shareholders in profit of consolidated companies | -19.0 | -33.0 | -7.0 | ||
| Extraordinary after-tax profit | 5.0 | 11.0 | 1.0 | ||
| Net profit | -103.0 | 124.0 | -7.0% | 5.3% | 31.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | -89.0 | 137.0 | -5.7% | 5.8% | |
| 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 | 39657 | 25002 | 54657 | 119316 | |
| Balance of financial liabilities on balance-sheet date | 41408 | 22024 | 53254 | 116686 | |
| Excess of financial assets over financial liabilities | -1751 | 2978 | 1403 | 2630 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 524 | 2449 | -343 | 2630 | |
| Rate of income on assets (percent) 3 | 6 | 5 | 9 | 7 | |
| Rate of expenditure on liabilities (percent) 3 | -4 | -4 | -7 | -5 | |
| Interest-rate differential | 2 | 1 | 2 | 2 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.29 | 4.37 | |||
| Finanancial capital/equity ratio | 50.10 | 49.06 | |||
| Equity/risk-weighted-assets ratio | 9.30 | 9.30 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | -3.90 | -2.00 | |||
| Operating income/operating expenses ratio 5 | 51.74 | 49.30 | |||
| 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. | |||||
| 6 | |||||