| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - bank | |||||
| Arab Israel Bank Ltd., 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 | 2,848 | 2,832 | 2.4% | 2.3% | |
| Securities | 157 | 137 | 0.2% | 0.2% | |
| Credit to the public | 1,184 | 1,232 | 0.2% | 0.2% | |
| 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 | 24 | 24 | 0.3% | 0.3% | |
| Other assets | 26 | 22 | 0.2% | 0.2% | |
| Total assets | 4,237 | 4,247 | 0.6% | 0.6% | |
| Deposits of the public | 2,407 | 2,332 | 0.4% | 0.4% | |
| Deposits of banks | 1,469 | 1,584 | 6.3% | 7.5% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% | |
| Other liabilities | 35 | 34 | 0.2% | 0.2% | |
| Total liabilities | 3,910 | 3,950 | 0.5% | 0.6% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Equity | 327 | 297 | 0.8% | 0.8% | |
| 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 | 65.3 | 63.3 | 0.8% | 0.8% | 32.9 |
| Loan-loss provision | 2.1 | 2.3 | 0.2% | 0.2% | 1.2 |
| Operating and other income | 38.7 | 37.6 | 0.8% | 0.7% | 19.1 |
| Of which: Operating income | 37.1 | 36.1 | 0.9% | 0.9% | 18.3 |
| Operating and other expenses | 49.0 | 48.0 | 0.6% | 0.6% | 24.1 |
| Of which: Salaries and related expenses | 32.5 | 30.6 | 0.6% | 0.6% | 15.8 |
| Ordinary before-tax provision | 52.9 | 50.6 | 1.6% | 1.4% | 26.7 |
| Provision for taxes on ordinary profit | 25.3 | 24.3 | 1.4% | 1.3% | 12.7 |
| Ordinary after-tax profit | 27.6 | 26.3 | 1.7% | 1.5% | 14.0 |
| Bank's share in the profit of subsidiaries | 0.0 | 0.0 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | |||||
| Extraordinary after-tax profit | 0.0 | 0.0 | 0.0 | ||
| Net profit | 27.6 | 26.3 | 1.9% | 1.1% | 14.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 28.7 | 26.8 | 1.8% | 1.1% | |
| 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 | 3048.1 | 1116.2 | 49.1 | 4213.4 | |
| Balance of financial liabilities on balance-sheet date | 3032.7 | 835.0 | 42.4 | 3910.1 | |
| Excess of financial assets over financial liabilities | 15.4 | 281.2 | 6.7 | 303.3 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 15.4 | 281.2 | 6.6 | 303.3 | |
| Rate of income on assets (percent) 3 | 7.8 | 3.6 | 7.0 | 6.7 | |
| Rate of expenditure on liabilities (percent) 3 | -4.4 | -3.2 | -6.2 | -4.1 | |
| Interest-rate differential | 3.5 | 0.5 | 0.9 | 2.6 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 7.71 | 7.00 | |||
| Finanancial capital/equity ratio | 92.81 | 91.86 | |||
| Equity/risk-weighted-assets ratio | 31.61 | 27.96 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 19.40 | 19.50 | |||
| Operating income/operating expenses ratio 5 | 78.98 | 79.32 | |||
| 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. | |||||
| 19 | |||||