| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Investec Bank (Israel) 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 | 3,117 | 2,772 | 2.6% | 2.3% | |
| Securities | 877 | 958 | 1.0% | 1.1% | |
| Credit to the public | 1,677 | 2,176 | 0.3% | 0.4% | |
| Credit to the government | 0 | 0 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 4 | 4 | 0.1% | 0.1% | |
| Buildings and equipment | 101 | 100 | 1.1% | 1.1% | |
| Other assets | 51 | 39 | 0.4% | 0.3% | |
| Total assets | 5,826 | 6,049 | 0.8% | 0.8% | |
| Deposits of the public | 5,187 | 5,415 | 0.8% | 0.9% | |
| Deposits of banks | 59 | 48 | 0.3% | 0.2% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% | |
| Other liabilities | 46 | 58 | 0.2% | 0.3% | |
| Total liabilities | 5,293 | 5,521 | 0.7% | 0.8% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 534 | 528 | 1.4% | 1.4% | |
| 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 | 41.0 | 43.5 | 0.5% | 0.5% | 20.4 |
| Loan-loss provision | 16.2 | 2.2 | 1.2% | 0.2% | 0.4 |
| Operating and other income | 31.9 | 54.5 | 0.7% | 1.1% | 14.8 |
| Of which: Operating income | 30.2 | 51.0 | 0.8% | 1.2% | 13.9 |
| Operating and other expenses | 58.0 | 57.5 | 0.7% | 0.7% | 28.2 |
| Of which: Salaries and related expenses | 33.1 | 31.9 | 0.6% | 0.6% | 16.2 |
| Ordinary before-tax provision | -1.3 | 38.3 | 0.0% | 1.1% | 6.6 |
| Provision for taxes on ordinary profit | 1.0 | 18.1 | 0.1% | 1.0% | 4.1 |
| Ordinary after-tax profit | -2.3 | 20.2 | -0.1% | 1.1% | 2.5 |
| Bank's share in the profit of subsidiaries | 0.3 | 0.8 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | 0.0 | 0.0 | ||
| Extraordinary after-tax profit | 0.0 | 0.0 | 0.0 | ||
| Net profit | -2.0 | 21.0 | -0.1% | 0.9% | 2.5 |
| Profit after the effect of the difference between the known index and the "in lieu" index | -0.5 | 22.0 | 0.0% | 0.9% | |
| 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 | 2972 | 469 | 2267 | 5708 | |
| Balance of financial liabilities on balance-sheet date | 3057 | 123 | 2104 | 5285 | |
| Excess of financial assets over financial liabilities | -85 | 346 | 163 | 423 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 59 | 346 | 19 | 423 | |
| Rate of income on assets (percent) 3 | 5 | 4 | 7 | 6 | |
| Rate of expenditure on liabilities (percent) 3 | -4 | -6 | -6 | -5 | |
| Interest-rate differential | 1 | -2 | 1 | 1 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 9.16 | 8.73 | |||
| Finanancial capital/equity ratio | 79.31 | 79.48 | |||
| Equity/risk-weighted-assets ratio | 19.68 | 18.29 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | -0.80 | 7.27 | |||
| Operating income/operating expenses ratio 5 | 55.00 | 79.83 | |||
| 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. | |||||
| 12 | |||||