| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - bank | |||||
| Discount Mortgage Bank, 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 | 95 | 21 | 9.7% | 7.1% | |
| Securities | 1 | 1 | 0.6% | 0.6% | |
| Credit to the public | 8,269 | 8,281 | 8.5% | 8.7% | |
| 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 | 12 | 14 | 5.1% | 5.8% | |
| Other assets | 11 | 10 | 3.7% | 3.8% | |
| Total assets | 8,388 | 8,327 | 8.4% | 8.6% | |
| Deposits of the public | 2,835 | 2,980 | 6.7% | 7.1% | |
| Deposits of banks | 4,444 | 4,321 | 9.8% | 9.9% | |
| Deposits of the government | 54 | 59 | 2.8% | 3.3% | |
| Bonds and subordinated notes | 317 | 246 | 8.5% | 7.4% | |
| Other liabilities | 31 | 38 | 5.4% | 6.0% | |
| Total liabilities | 7,681 | 7,644 | 8.2% | 8.4% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Equity | 707 | 683 | 13.1% | 13.3% | |
| 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 | 59.0 | 65.0 | 10.8% | 12.7% | 28.0 |
| Loan-loss provision | 15.0 | 11.0 | 13.2% | 12.3% | 8.0 |
| Operating and other income | 28.0 | 29.0 | 6.9% | 7.3% | 14.0 |
| Of which: Operating income | 28.0 | 29.0 | 7.1% | 7.5% | 14.0 |
| Operating and other expenses | 26.0 | 29.0 | 7.4% | 8.9% | 13.0 |
| Of which: Salaries and related expenses | 14.0 | 14.0 | 7.2% | 8.0% | 7.0 |
| Ordinary before-tax provision | 46.0 | 54.0 | 9.6% | 10.9% | 21.0 |
| Provision for taxes on ordinary profit | 22.0 | 23.0 | 9.6% | 10.0% | 10.0 |
| Ordinary after-tax profit | 24.0 | 31.0 | 9.6% | 11.7% | 11.0 |
| 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 | 24.0 | 31.0 | 9.6% | 11.8% | 11.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 27.0 | 33.0 | 10.1% | 11.8% | |
| 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 | 473 | 7,646 | 257 | 8,376 | |
| Balance of financial liabilities on balance-sheet date | 336 | 7,084 | 257 | 7,677 | |
| Excess of financial assets over financial liabilities | 137 | 562 | 0 | 699 | |
| 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 | 7571 | 191.0 | 5.11 | ||
| Total financial liabilities | 7063 | -145.0 | -4.15 | ||
| Interest-rate differential | 0.96 | ||||
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 8.43 | 8.20 | |||
| Finanancial capital/equity ratio | 98.87 | 98.39 | |||
| Equity/risk-weighted-assets ratio | 13.60 | 12.50 | |||
| Return on equity (net profit/gross weighted-capital ratio) (3) | 7.10 | 10.20 | |||
| Operating income/operating expenses ratio (4) | 107.69 | 96.67 | |||
| 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. | |||||
| 31 | |||||