| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Israel Continental 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 | 100 | 107 | 0.1% | 0.1% | |
| Securities | 15 | 46 | 0.0% | 0.1% | |
| Credit to the public | 1,645 | 1,421 | 0.3% | 0.3% | |
| 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 | 6 | 22 | 0.1% | 0.2% | |
| Other assets | 61 | 61 | 0.4% | 0.5% | |
| Total assets | 1,827 | 1,657 | 0.2% | 0.2% | |
| Deposits of the public | 574 | 639 | 0.1% | 0.1% | |
| Deposits of banks | 925 | 680 | 4.0% | 3.2% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% | |
| Other liabilities | 66 | 76 | 0.4% | 0.4% | |
| Total liabilities | 1,564 | 1,394 | 0.2% | 0.2% | |
| Quasi-capital items | 1 | 1 | 0.3% | 0.3% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 262 | 262 | 0.7% | 0.7% | |
| 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 | 26.0 | 25.1 | 0.3% | 0.3% | 11.2 |
| Loan-loss provision | 3.2 | 3.0 | 0.2% | 0.3% | 0.8 |
| Operating and other income | 5.0 | 5.3 | 0.1% | 0.1% | 2.5 |
| Of which: Operating income | 5.0 | 5.3 | 0.1% | 0.1% | 2.5 |
| Operating and other expenses | 17.8 | 18.0 | 0.2% | 0.2% | 9.3 |
| Of which: Salaries and related expenses | 11.5 | 11.8 | 0.2% | 0.2% | 6.0 |
| Ordinary before-tax provision | 10.0 | 9.4 | 0.3% | 0.3% | 3.6 |
| Provision for taxes on ordinary profit | 4.9 | 4.8 | 0.3% | 0.3% | 2.0 |
| Ordinary after-tax profit | 5.1 | 4.6 | 0.3% | 0.3% | 1.6 |
| 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 | 2.7 | 0.0 | 0.0 | ||
| Net profit | 7.8 | 4.6 | 0.5% | 0.2% | 1.6 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 8.6 | 5.0 | 0.6% | 0.2% | |
| 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 | 759 | 109 | 954 | 1821 | |
| Balance of financial liabilities on balance-sheet date | 694 | 24 | 846 | 1564 | |
| Excess of financial assets over financial liabilities | 65 | 85 | 108 | 257 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 171 | 85 | 2 | 257 | |
| Rate of income on assets (percent) 3 | 7 | 6 | 9 | 5 | |
| Rate of expenditure on liabilities (percent) 3 | -5 | -5 | -7 | -6 | |
| Interest-rate differential | 2 | 1 | 2 | -1 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 14.35 | 15.81 | |||
| Finanancial capital/equity ratio | 98.13 | 91.95 | |||
| Equity/risk-weighted-assets ratio | 13.50 | 14.80 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 4.90 | 5.20 | |||
| Operating income/operating expenses ratio 5 | 28.09 | 29.28 | |||
| 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. | |||||
| 13 | |||||