| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - bank | |||||
| Leumi Mortgage 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 | 757 | 196 | 77.1% | 66.5% | |
| Securities | 0 | 0 | 0.0% | 0.0% | |
| Credit to the public | 26,721 | 26,071 | 27.4% | 27.3% | |
| 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 | 33 | 32 | 13.9% | 13.2% | |
| Other assets | 169 | 146 | 57.2% | 55.3% | |
| Total assets | 27,680 | 26,445 | 27.9% | 27.4% | |
| Deposits of the public | 6,863 | 7,021 | 16.3% | 16.8% | |
| Deposits of banks | 17,297 | 16,374 | 38.0% | 37.5% | |
| Deposits of the government | 878 | 700 | 44.9% | 39.6% | |
| Bonds and subordinated notes | 1,325 | 1,081 | 35.5% | 32.4% | |
| Other liabilities | 82 | 80 | 14.3% | 12.6% | |
| Total liabilities | 26,445 | 25,256 | 28.2% | 27.7% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Equity | 1,235 | 1,189 | 22.9% | 23.1% | |
| 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 | 116.0 | 95.0 | 21.3% | 18.5% | 66.0 |
| Loan-loss provision | 25.0 | 11.0 | 22.0% | 12.3% | 12.0 |
| Operating and other income | 76.0 | 69.0 | 18.9% | 17.3% | 40.0 |
| Of which: Operating income | 76.0 | 69.0 | 19.3% | 17.8% | 39.0 |
| Operating and other expenses | 78.0 | 65.0 | 22.1% | 19.9% | 37.0 |
| Of which: Salaries and related expenses | 44.0 | 33.0 | 22.5% | 18.8% | 19.0 |
| Ordinary before-tax provision | 89.0 | 88.0 | 18.5% | 17.8% | 57.0 |
| Provision for taxes on ordinary profit | 43.0 | 42.0 | 18.8% | 18.2% | 27.0 |
| Ordinary after-tax profit | 46.0 | 46.0 | 18.3% | 17.4% | 30.0 |
| 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 | 46.0 | 46.0 | 18.4% | 17.5% | 30.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 50.0 | 50.0 | 18.6% | 17.9% | |
| 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 | 1,424 | 25,074 | 1,133 | 27,631 | |
| Balance of financial liabilities on balance-sheet date | 1,017 | 24,267 | 1,136 | 26,420 | |
| Excess of financial assets over financial liabilities | 407 | 807 | -3 | 1,211 | |
| 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 | 24673 | 644.0 | 5.29 | ||
| Total financial liabilities | 23608 | -556.0 | -4.77 | ||
| Interest-rate differential | 0.52 | ||||
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.46 | 4.50 | |||
| Finanancial capital/equity ratio | 98.06 | 98.32 | |||
| Equity/risk-weighted-assets ratio | 9.34 | 9.33 | |||
| Return on equity (net profit/gross weighted-capital ratio) (3) | 7.80 | 9.00 | |||
| Operating income/operating expenses ratio (4) | 97.44 | 105.80 | |||
| 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. | |||||
| 30 | |||||