| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - bank | |||||
| Kupat Haoved Haleumi Leashrai Vehisachon Benetanya 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 | 58 | 56 | 0.0% | 0.0% | |
| Securities | 9 | 9 | 0.0% | 0.0% | |
| Credit to the public | 21 | 21 | 0.0% | 0.0% | |
| 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 | 0 | 0 | 0.0% | 0.0% | |
| Other assets | 0 | 0 | 0.0% | 0.0% | |
| Total assets | 89 | 88 | 0.0% | 0.0% | |
| Deposits of the public | 84 | 83 | 0.0% | 0.0% | |
| Deposits of banks | 0 | 0 | 0.0% | 0.0% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% | |
| Other liabilities | 0 | 0 | 0.0% | 0.0% | |
| Total liabilities | 84 | 83 | 0.0% | 0.0% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Equity | 4 | 4 | 0.0% | 0.0% | |
| 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 | 1.5 | 1.7 | 0.0% | 0.0% | 0.7 |
| Loan-loss provision | 0.1 | 0.1 | 0.0% | 0.0% | 0.1 |
| Operating and other income | 0.6 | 0.6 | 0.0% | 0.0% | 0.3 |
| Of which: Operating income | 0.5 | 0.5 | 0.0% | 0.0% | 0.3 |
| Operating and other expenses | 1.7 | 1.8 | 0.0% | 0.0% | 0.9 |
| Of which: Salaries and related expenses | 0.9 | 0.9 | 0.0% | 0.0% | 0.5 |
| Ordinary before-tax provision | 0.3 | 0.5 | 0.0% | 0.0% | 0.1 |
| Provision for taxes on ordinary profit | 0.2 | 0.3 | 0.0% | 0.0% | 0.1 |
| Ordinary after-tax profit | 0.1 | 0.2 | 0.0% | 0.0% | 0.0 |
| 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 | 0.1 | 0.2 | 0.0% | 0.0% | 0.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 0.1 | 0.2 | 0.0% | 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 | 79.2 | 9.6 | 0.0 | 88.7 | |
| Balance of financial liabilities on balance-sheet date | 76.3 | 8.1 | 0.0 | 84.4 | |
| Excess of financial assets over financial liabilities | 2.9 | 1.4 | 0.0 | 4.3 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 2.9 | 1.4 | 0.0 | 4.3 | |
| Rate of income on assets (percent) 3 | 7.3 | 3.3 | 0.0 | 6.9 | |
| Rate of expenditure on liabilities (percent) 3 | -3.7 | -2.5 | 0.0 | -3.6 | |
| Interest-rate differential | 3.6 | 0.8 | 0.0 | 3.3 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.04 | 5.02 | |||
| Finanancial capital/equity ratio | 96.05 | 95.13 | |||
| Equity/risk-weighted-assets ratio | 26.69 | 26.24 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 4.30 | 9.20 | |||
| Operating income/operating expenses ratio 5 | 33.70 | 34.79 | |||
| 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. | |||||
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