| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| The Maritime Bank of Israel 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 | 231 | 169 | 0.2% | 0.1% | |
| Securities | 192 | 172 | 0.2% | 0.2% | |
| Credit to the public | 699 | 742 | 0.1% | 0.1% | |
| Credit to the government | 0 | 0 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 15 | 15 | 0.4% | 0.4% | |
| Buildings and equipment | 26 | 27 | 0.3% | 0.3% | |
| Other assets | 59 | 49 | 0.4% | 0.4% | |
| Total assets | 1,222 | 1,175 | 0.2% | 0.2% | |
| Deposits of the public | 782 | 719 | 0.1% | 0.1% | |
| Deposits of banks | 105 | 125 | 0.4% | 0.6% | |
| Deposits of the government | 6 | 7 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 20 | 29 | 0.1% | 0.1% | |
| Other liabilities | 77 | 68 | 0.4% | 0.4% | |
| Total liabilities | 989 | 948 | 0.1% | 0.1% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 233 | 226 | 0.6% | 0.6% | |
| 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 | 20.3 | 16.3 | 0.2% | 0.2% | 9.9 |
| Loan-loss provision | 0.8 | 0.6 | 0.1% | 0.1% | 0.4 |
| Operating and other income | 12.9 | 29.6 | 0.3% | 0.6% | 6.2 |
| Of which: Operating income | 8.6 | 20.0 | 0.2% | 0.5% | 4.2 |
| Operating and other expenses | 23.1 | 33.5 | 0.3% | 0.4% | 11.2 |
| Of which: Salaries and related expenses | 11.1 | 17.0 | 0.2% | 0.3% | 5.2 |
| Ordinary before-tax provision | 9.3 | 11.8 | 0.3% | 0.3% | 4.5 |
| Provision for taxes on ordinary profit | 1.8 | 2.8 | 0.1% | 0.2% | 0.9 |
| Ordinary after-tax profit | 7.5 | 9.0 | 0.5% | 0.5% | 3.6 |
| Bank's share in the profit of subsidiaries | 0.2 | 1.1 | 0.1 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | 0.0 | 0.0 | ||
| Extraordinary after-tax profit | -0.2 | -0.7 | -0.2 | ||
| Net profit | 7.5 | 9.4 | 0.5% | 0.4% | 3.5 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 8.0 | 9.7 | 0.5% | 0.4% | |
| 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 | 393 | 216 | 563 | 1173 | |
| Balance of financial liabilities on balance-sheet date | 472 | 78 | 437 | 987 | |
| Excess of financial assets over financial liabilities | -79 | 138 | 127 | 186 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 49 | 138 | -2 | 186 | |
| Rate of income on assets (percent) 3 | 6 | 4 | 4 | 5 | |
| Rate of expenditure on liabilities (percent) 3 | -4 | -3 | -4 | -4 | |
| Interest-rate differential | 2 | 1 | 1 | 1 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 19.07 | 19.25 | |||
| Finanancial capital/equity ratio | 79.71 | 76.96 | |||
| Equity/risk-weighted-assets ratio | 28.09 | 25.30 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 6.70 | 14.66 | |||
| Operating income/operating expenses ratio 5 | 55.84 | 99.22 | |||
| 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. | |||||
| 4 | |||||