| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| 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 | 104 | 158 | 0.1% | 0.1% | |
| Securities | 125 | 115 | 0.1% | 0.1% | |
| Credit to the public | 386 | 361 | 0.1% | 0.1% | |
| 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 | 5 | 5 | 0.1% | 0.1% | |
| Other assets | 10 | 8 | 0.1% | 0.1% | |
| Total assets | 629 | 647 | 0.1% | 0.1% | |
| Deposits of the public | 536 | 571 | 0.1% | 0.1% | |
| Deposits of banks | 22 | 5 | 0.1% | 0.0% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 19 | 19 | 0.1% | 0.1% | |
| Other liabilities | 3 | 3 | 0.0% | 0.0% | |
| Total liabilities | 580 | 599 | 0.1% | 0.1% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 49 | 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 | 10.6 | 9.7 | 0.1% | 0.1% | 5.1 |
| Loan-loss provision | 1.0 | 2.0 | 0.1% | 0.2% | 0.5 |
| Operating and other income | 3.0 | 3.8 | 0.1% | 0.1% | 1.6 |
| Of which: Operating income | 2.7 | 3.7 | 0.1% | 0.1% | 1.4 |
| Operating and other expenses | 11.0 | 11.2 | 0.1% | 0.1% | 5.4 |
| Of which: Salaries and related expenses | 5.5 | 5.2 | 0.1% | 0.1% | 2.6 |
| Ordinary before-tax provision | 1.7 | 0.3 | 0.0% | 0.0% | 0.7 |
| Provision for taxes on ordinary profit | 0.6 | 0.7 | 0.0% | 0.0% | 0.0 |
| Ordinary after-tax profit | 1.1 | -0.4 | 0.1% | 0.0% | 0.7 |
| 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 | 0.0 | 0.0 | 0.0 | ||
| Net profit | 1.1 | -0.4 | 0.1% | 0.0% | 0.7 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 1.3 | -0.2 | 0.1% | 0.0% | |
| 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 | 351 | 120 | 152 | 622 | |
| Balance of financial liabilities on balance-sheet date | 345 | 86 | 150 | 580 | |
| Excess of financial assets over financial liabilities | 6 | 34 | 2 | 42 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 6 | 34 | 4 | 44 | |
| Rate of income on assets (percent) 3 | 8 | 4 | 3 | 6 | |
| Rate of expenditure on liabilities (percent) 3 | -5 | -5 | -3 | -4 | |
| Interest-rate differential | 3 | -1 | 0 | 2 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 7.80 | 7.37 | |||
| Finanancial capital/equity ratio | 85.86 | 84.82 | |||
| Equity/risk-weighted-assets ratio | 15.00 | 14.95 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 4.30 | 1.10 | |||
| Operating income/operating expenses ratio 5 | 27.14 | 29.15 | |||
| 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. | |||||
| 14 | |||||