| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| The First International Bank of 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 | 15,200 | 15,438 | 12.8% | 12.8% | |
| Securities | 3,172 | 4,359 | 3.7% | 5.1% | |
| Credit to the public | 44,415 | 42,736 | 8.5% | 8.6% | |
| Credit to the government | 139 | 147 | 1.5% | 1.1% | |
| Investments in companies included on an equity basis | 17 | 19 | 0.4% | 0.5% | |
| Buildings and equipment | 709 | 724 | 7.6% | 8.0% | |
| Other assets | 1,344 | 1,337 | 9.6% | 10.9% | |
| Total assets | 64,996 | 64,760 | 8.6% | 8.7% | |
| Deposits of the public | 57,223 | 57,024 | 9.1% | 9.2% | |
| Deposits of banks | 835 | 1,259 | 3.6% | 5.9% | |
| Deposits of the government | 587 | 607 | 3.0% | 3.1% | |
| Bonds and subordinated notes | 1,816 | 1,496 | 5.6% | 5.3% | |
| Other liabilities | 1,249 | 1,224 | 6.7% | 7.1% | |
| Total liabilities | 61,710 | 61,610 | 8.6% | 8.8% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 144 | 142 | |||
| Equity | 3,142 | 3,008 | 8.2% | 8.0% | |
| 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 | 640.0 | 602.0 | 7.6% | 7.6% | 330.0 |
| Loan-loss provision | 84.0 | 59.0 | 6.4% | 5.5% | 54.0 |
| Operating and other income | 329.0 | 399.0 | 6.8% | 7.7% | 160.0 |
| Of which: Operating income | 282.0 | 356.0 | 7.1% | 8.5% | 140.0 |
| Operating and other expenses | 584.0 | 668.0 | 6.8% | 8.0% | 281.0 |
| Of which: Salaries and related expenses | 367.0 | 387.0 | 6.8% | 7.3% | 172.0 |
| Ordinary before-tax provision | 301.0 | 274.0 | 8.9% | 7.6% | 155.0 |
| Provision for taxes on ordinary profit | 169.0 | 167.0 | 9.6% | 9.3% | 88.0 |
| Ordinary after-tax profit | 132.0 | 107.0 | 8.0% | 5.9% | 67.0 |
| Bank's share in the profit of subsidiaries | -1.0 | 1.0 | -1.0 | ||
| Share of minority shareholders in profit of consolidated companies | -6.0 | 14.0 | -3.0 | ||
| Extraordinary after-tax profit | 0.0 | 26.0 | 0.0 | ||
| Net profit | 125.0 | 148.0 | 8.5% | 6.4% | 63.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 134.0 | 154.0 | 8.6% | 6.5% | |
| 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 | 25141 | 16048 | 22867 | 64056 | |
| Balance of financial liabilities on balance-sheet date | 27838 | 12954 | 20913 | 61705 | |
| Excess of financial assets over financial liabilities | -2697 | 3094 | 1954 | 2351 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -508 | 3105 | -246 | 2351 | |
| Rate of income on assets (percent) 3 | 7 | 5 | 10 | 7 | |
| Rate of expenditure on liabilities (percent) 3 | -5 | -5 | -8 | -6 | |
| Interest-rate differential | 2 | 1 | 2 | 2 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.83 | 4.64 | |||
| Finanancial capital/equity ratio | 74.82 | 73.24 | |||
| Equity/risk-weighted-assets ratio | 9.70 | 9.50 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 8.50 | 11.50 | |||
| Operating income/operating expenses ratio 5 | 56.34 | 58.11 | |||
| 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. | |||||
| 15 | |||||