| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Bank Yahav Le-Ovdei Hamdina 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 | 2,834 | 2,343 | 2.4% | 1.9% | |
| Securities | 1,607 | 1,653 | 1.9% | 1.9% | |
| Credit to the public | 939 | 887 | 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 | 98 | 101 | 1.1% | 1.1% | |
| Other assets | 42 | 57 | 0.3% | 0.5% | |
| Total assets | 5,520 | 5,039 | 0.7% | 0.7% | |
| Deposits of the public | 5,199 | 4,761 | 0.8% | 0.8% | |
| Deposits of banks | 6 | 7 | 0.0% | 0.0% | |
| Deposits of the government | 0 | 1 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% | |
| Other liabilities | 42 | 37 | 0.2% | 0.2% | |
| Total liabilities | 5,248 | 4,805 | 0.7% | 0.7% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 272 | 234 | 0.7% | 0.6% | |
| 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 | 47.0 | 36.0 | 0.6% | 0.5% | 26.6 |
| Loan-loss provision | 0.7 | 0.0 | 0.1% | 0.0% | 0.4 |
| Operating and other income | 67.9 | 64.3 | 1.4% | 1.2% | 37.0 |
| Of which: Operating income | 41.0 | 41.6 | 1.0% | 1.0% | 23.1 |
| Operating and other expenses | 93.8 | 82.3 | 1.1% | 1.0% | 48.5 |
| Of which: Salaries and related expenses | 53.4 | 44.8 | 1.0% | 0.8% | 26.2 |
| Ordinary before-tax provision | 20.4 | 18.0 | 0.6% | 0.5% | 14.7 |
| Provision for taxes on ordinary profit | 11.1 | 9.4 | 0.6% | 0.5% | 7.8 |
| Ordinary after-tax profit | 9.3 | 8.6 | 0.6% | 0.5% | 6.9 |
| 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 | 9.3 | 8.6 | 0.6% | 0.4% | 6.9 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 10.4 | 8.8 | 0.7% | 0.4% | |
| 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 | 2489 | 2814 | 119 | 5422 | |
| Balance of financial liabilities on balance-sheet date | 2578 | 2553 | 117 | 5248 | |
| Excess of financial assets over financial liabilities | -89 | 261 | 2 | 173 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -89 | 261 | 2 | 173 | |
| Rate of income on assets (percent) 3 | 5 | 4 | 6 | 5 | |
| Rate of expenditure on liabilities (percent) 3 | -3 | -3 | -3 | -3 | |
| Interest-rate differential | 3 | 1 | 3 | 2 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.92 | 4.65 | |||
| Finanancial capital/equity ratio | 63.80 | 57.12 | |||
| Equity/risk-weighted-assets ratio | 16.40 | 15.60 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 8.10 | 8.40 | |||
| Operating income/operating expenses ratio 5 | 72.39 | 76.41 | |||
| 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. | |||||
| 3 | |||||