| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - bank | |||||
| Industrial Dev. 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 | 852 | 726 | 0.7% | 0.6% | |
| Securities | 186 | 211 | 0.2% | 0.2% | |
| Credit to the public | 11,682 | 10,903 | 2.2% | 2.2% | |
| Credit to the government | 1,000 | 1,021 | 10.7% | 7.5% | |
| Investments in companies included on an equity basis | 4 | 3 | 0.1% | 0.1% | |
| Buildings and equipment | 12 | 13 | 0.1% | 0.1% | |
| Other assets | 215 | 105 | 1.5% | 0.8% | |
| Total assets | 13,952 | 12,982 | 1.8% | 1.7% | |
| Deposits of the public | 4,265 | 3,838 | 0.7% | 0.6% | |
| Deposits of banks | 1,146 | 811 | 4.9% | 3.8% | |
| Deposits of the government | 7,171 | 7,080 | 36.8% | 36.3% | |
| Bonds and subordinated notes | 48 | 47 | 0.1% | 0.2% | |
| Other liabilities | 292 | 185 | 1.6% | 1.1% | |
| Total liabilities | 12,920 | 11,960 | 1.8% | 1.7% | |
| Quasi-capital items | 299 | 293 | 100.0% | 100.0% | |
| Equity | 732 | 729 | 1.9% | 1.9% | |
| 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 | 70.2 | 56.8 | 0.8% | 0.7% | 33.8 |
| Loan-loss provision | 21.8 | 12.6 | 1.7% | 1.2% | 13.6 |
| Operating and other income | 8.4 | 18.4 | 0.2% | 0.4% | 4.8 |
| Of which: Operating income | 9.5 | 8.9 | 0.2% | 0.2% | 4.6 |
| Operating and other expenses | 45.7 | 39.4 | 0.5% | 0.5% | 23.3 |
| Of which: Salaries and related expenses | 29.2 | 24.0 | 0.5% | 0.5% | 15.3 |
| Ordinary before-tax provision | 11.1 | 23.2 | 0.3% | 0.6% | 1.7 |
| Provision for taxes on ordinary profit | 3.0 | 4.0 | 0.2% | 0.2% | 1.0 |
| Ordinary after-tax profit | 8.1 | 19.2 | 0.5% | 1.1% | 0.7 |
| Bank's share in the profit of subsidiaries | 0.0 | 3.4 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | |||||
| Extraordinary after-tax profit | 5.6 | 5.5 | 2.8 | ||
| Net profit | 13.7 | 28.1 | 0.9% | 1.2% | 3.5 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 13.8 | 28.0 | 0.9% | 1.2% | |
| 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 | 2592.5 | 2469.5 | 8845.7 | 13907.7 | |
| Balance of financial liabilities on balance-sheet date | 2566.2 | 1685.3 | 8657.0 | 12908.5 | |
| Excess of financial assets over financial liabilities | 26.3 | 784.2 | 188.7 | 999.2 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 182.1 | 784.2 | 19.7 | 999.2 | |
| Rate of income on assets (percent) 3 | 7.3 | 4.7 | 10.9 | 9.3 | |
| Rate of expenditure on liabilities (percent) 3 | -5.3 | -3.7 | -10.4 | -8.6 | |
| Interest-rate differential | 2.0 | 1.0 | 0.5 | 0.7 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.25 | 5.62 | |||
| Finanancial capital/equity ratio | 136.50 | 134.20 | |||
| Equity/risk-weighted-assets ratio | 15.40 | 17.95 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 3.80 | 6.70 | |||
| Operating income/operating expenses ratio 5 | 18.38 | 39.14 | |||
| 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. | |||||
| 18 | |||||