| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Bank "Adanim" Mortgage and Loans 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 | 24 | 4 | 2.4% | 1.4% | |
| Securities | 0 | 0 | 0.0% | 0.0% | |
| Credit to the public | 2,528 | 2,445 | 2.6% | 2.6% | |
| 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 | 19 | 19 | 7.8% | 7.9% | |
| Other assets | 13 | 12 | 4.4% | 4.5% | |
| Total assets | 2,583 | 2,481 | 2.6% | 2.6% | |
| Deposits of the public | 2,217 | 2,111 | 5.3% | 5.0% | |
| Deposits of banks | 73 | 82 | 0.2% | 0.2% | |
| Deposits of the government | 36 | 39 | 1.8% | 2.2% | |
| Bonds and subordinated notes | 104 | 102 | 2.8% | 3.1% | |
| Other liabilities | 38 | 39 | 6.6% | 6.1% | |
| Total liabilities | 2,469 | 2,372 | 2.6% | 2.6% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | 0.0% | 0.0% | |
| Equity | 115 | 109 | 2.1% | 2.1% | |
| 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 | 17.9 | 16.0 | 3.3% | 3.1% | 8.9 |
| Loan-loss provision | 4.0 | 2.9 | 3.5% | 3.3% | 3.0 |
| Operating and other income | 12.8 | 13.4 | 3.2% | 3.4% | 6.6 |
| Of which: Operating income | 12.8 | 13.4 | 3.2% | 3.5% | 6.6 |
| Operating and other expenses | 15.4 | 15.6 | 4.4% | 4.8% | 7.9 |
| Of which: Salaries and related expenses | 9.3 | 9.2 | 4.8% | 5.3% | 4.7 |
| Ordinary before-tax provision | 11.3 | 10.9 | 2.4% | 2.2% | 4.6 |
| Provision for taxes on ordinary profit | 5.3 | 5.3 | 2.3% | 2.3% | 2.2 |
| Ordinary after-tax profit | 6.0 | 5.6 | 2.4% | 2.1% | 2.4 |
| 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 | 6.0 | 5.6 | 2.4% | 2.1% | 2.4 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 6.4 | 5.9 | 2.4% | 2.1% | |
| 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 | 232 | 2,332 | 0 | 2,565 | |
| Balance of financial liabilities on balance-sheet date | 194 | 2,256 | 0 | 2,450 | |
| Excess of financial assets over financial liabilities | 39 | 76 | 0 | 115 | |
| Additional information on the CPI-indexed sector for the six months to 30.06.2001 | Average balance for six months | Net six monthly interest income (expenses) | Rate of income (expenditure) (2) | ||
| Total financial assets | 2301 | 58.3 | 5.13 | ||
| Total financial liabilities | 2231 | -48.1 | -4.36 | ||
| Interest-rate differential | 0.77 | ||||
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.44 | 4.38 | |||
| Finanancial capital/equity ratio | 100.00 | 100.09 | |||
| Equity/risk-weighted-assets ratio | 9.53 | 9.53 | |||
| Return on equity (net profit/gross weighted-capital ratio) (4) | 11.40 | 11.30 | |||
| Operating income/operating expenses ratio (5) | 83.12 | 83.18 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Six-month rate of income (expenses), on annual basis including ALM derivatives. | |||||
| 3 Annual basis. | |||||
| 4 For six months. Comparative data are annual. | |||||
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