| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Otsar Hahayal 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 | 2,300 | 2,240 | 1.9% | 1.9% | |
| Securities | 100 | 95 | 0.1% | 0.1% | |
| Credit to the public | 5,615 | 5,583 | 1.1% | 1.1% | |
| 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 | 82 | 71 | 0.9% | 0.8% | |
| Other assets | 60 | 59 | 0.4% | 0.5% | |
| Total assets | 8,156 | 8,048 | 1.1% | 1.1% | |
| Deposits of the public | 7,370 | 7,254 | 1.2% | 1.2% | |
| Deposits of banks | 25 | 24 | 0.1% | 0.1% | |
| Deposits of the government | 16 | 40 | 0.1% | 0.2% | |
| Bonds and subordinated notes | 220 | 200 | 0.7% | 0.7% | |
| Other liabilities | 84 | 104 | 0.4% | 0.6% | |
| Total liabilities | 7,715 | 7,622 | 1.1% | 1.1% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 1 | 1 | |||
| Equity | 440 | 426 | 1.1% | 1.1% | |
| 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 | 118.8 | 115.8 | 1.4% | 1.5% | 61.9 |
| Loan-loss provision | 8.9 | 17.8 | 0.7% | 1.6% | 6.6 |
| Operating and other income | 66.3 | 70.9 | 1.4% | 1.4% | 33.6 |
| Of which: Operating income | 59.0 | 63.2 | 1.5% | 1.5% | 29.8 |
| Operating and other expenses | 146.7 | 145.5 | 1.7% | 1.7% | 70.7 |
| Of which: Salaries and related expenses | 89.4 | 89.6 | 1.7% | 1.7% | 41.9 |
| Ordinary before-tax provision | 29.5 | 23.4 | 0.9% | 0.6% | 18.2 |
| Provision for taxes on ordinary profit | 15.5 | 11.8 | 0.9% | 0.7% | 8.9 |
| Ordinary after-tax profit | 14.0 | 11.6 | 0.9% | 0.6% | 9.3 |
| 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 | 0.0 | -0.1 | ||
| Net profit | 13.7 | 11.6 | 0.9% | 0.5% | 9.2 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 15.3 | 12.9 | 1.0% | 0.5% | |
| 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 | 4850 | 2370 | 850 | 8069 | |
| Balance of financial liabilities on balance-sheet date | 5082 | 2026 | 592 | 7700 | |
| Excess of financial assets over financial liabilities | -232 | 344 | 257 | 369 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 14 | 344 | 12 | 369 | |
| Rate of income on assets (percent) 3 | 7 | 5 | 6 | 6 | |
| Rate of expenditure on liabilities (percent) 3 | -4 | -4 | -3 | -4 | |
| Interest-rate differential | 3 | 1 | 3 | 3 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.40 | 5.29 | |||
| Finanancial capital/equity ratio | 83.81 | 83.91 | |||
| Equity/risk-weighted-assets ratio | 10.60 | 10.11 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 6.52 | -3.03 | |||
| Operating income/operating expenses ratio 5 | 45.19 | 42.70 | |||
| 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. | |||||
| 9 | |||||