| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - bank | |||||
| Poalei Agudat 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 | 1,315 | 1,149 | 1.1% | 1.0% | |
| Securities | 102 | 124 | 0.1% | 0.1% | |
| Credit to the public | 860 | 812 | 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 | 27 | 27 | 0.3% | 0.3% | |
| Other assets | 5 | 4 | 0.0% | 0.0% | |
| Total assets | 2,309 | 2,116 | 0.3% | 0.3% | |
| Deposits of the public | 2,107 | 1,913 | 0.3% | 0.3% | |
| Deposits of banks | 14 | 18 | 0.1% | 0.1% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% | |
| Other liabilities | 17 | 26 | 0.1% | 0.1% | |
| Total liabilities | 2,137 | 1,956 | 0.3% | 0.3% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Equity | 172 | 159 | 0.4% | 0.4% | |
| 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 | 32.3 | 27.9 | 0.4% | 0.4% | 15.9 |
| Loan-loss provision | 3.2 | 1.9 | 0.2% | 0.2% | 1.9 |
| Operating and other income | 26.8 | 27.8 | 0.6% | 0.5% | 13.1 |
| Of which: Operating income | 26.8 | 27.8 | 0.7% | 0.7% | 13.1 |
| Operating and other expenses | 32.6 | 31.1 | 0.4% | 0.4% | 15.0 |
| Of which: Salaries and related expenses | 15.9 | 15.0 | 0.3% | 0.3% | 7.0 |
| Ordinary before-tax provision | 23.3 | 22.7 | 0.7% | 0.6% | 12.1 |
| Provision for taxes on ordinary profit | 11.2 | 10.8 | 0.6% | 0.6% | 5.8 |
| Ordinary after-tax profit | 12.1 | 11.9 | 0.7% | 0.7% | 6.3 |
| 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 | 12.1 | 11.9 | 0.8% | 0.5% | 6.3 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 12.7 | 12.2 | 0.8% | 0.5% | |
| 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 | 1739.5 | 451.2 | 91.2 | 2281.9 | |
| Balance of financial liabilities on balance-sheet date | 1768.9 | 275.8 | 92.6 | 2137.3 | |
| Excess of financial assets over financial liabilities | -29.4 | 175.4 | -1.4 | 144.6 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -29.4 | 175.4 | -1.4 | 144.6 | |
| Rate of income on assets (percent) 3 | 7.2 | 5.6 | 9.1 | 6.9 | |
| Rate of expenditure on liabilities (percent) 3 | -4.3 | -4.4 | -6.7 | -4.4 | |
| Interest-rate differential | 2.9 | 1.2 | 2.4 | 2.6 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 7.45 | 7.53 | |||
| Finanancial capital/equity ratio | 84.07 | 82.93 | |||
| Equity/risk-weighted-assets ratio | 15.80 | 15.80 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 15.80 | 18.90 | |||
| Operating income/operating expenses ratio 5 | 82.21 | 87.36 | |||
| 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. | |||||
| 23 | |||||