| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Mishkan Bank Hapoalim Lemashkantaot 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 | 15 | 10 | 1.5% | 3.4% | |
| Securities | 1 | 1 | 0.6% | 0.6% | |
| Credit to the public | 23,598 | 23,124 | 24.2% | 24.2% | |
| 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 | 80 | 81 | 33.7% | 33.4% | |
| Other assets | 31 | 22 | 10.5% | 8.3% | |
| Total assets | 23,725 | 23,238 | 23.9% | 24.1% | |
| Deposits of the public | 9,875 | 9,578 | 23.4% | 22.9% | |
| Deposits of banks | 11,245 | 11,131 | 24.7% | 25.5% | |
| Deposits of the government | 607 | 586 | 31.0% | 33.1% | |
| Bonds and subordinated notes | 635 | 643 | 17.0% | 19.3% | |
| Other liabilities | 140 | 135 | 24.4% | 21.2% | |
| Total liabilities | 22,502 | 22,073 | 24.0% | 24.2% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | 0.0% | 0.0% | |
| Equity | 1,223 | 1,165 | 22.7% | 22.7% | |
| 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 | 120.0 | 112.0 | 22.1% | 21.8% | 73.0 |
| Loan-loss provision | 28.0 | 8.0 | 24.6% | 9.0% | 13.0 |
| Operating and other income | 100.0 | 100.0 | 24.8% | 25.1% | 50.0 |
| Of which: Operating income | 100.0 | 100.0 | 25.4% | 25.8% | 50.0 |
| Operating and other expenses | 84.0 | 68.0 | 23.8% | 20.8% | 42.0 |
| Of which: Salaries and related expenses | 42.0 | 34.0 | 21.5% | 19.4% | 20.0 |
| Ordinary before-tax provision | 108.0 | 136.0 | 22.5% | 27.5% | 68.0 |
| Provision for taxes on ordinary profit | 51.0 | 63.0 | 22.2% | 27.3% | 32.0 |
| Ordinary after-tax profit | 57.0 | 73.0 | 22.7% | 27.7% | 36.0 |
| 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 | 57.0 | 73.0 | 22.8% | 27.8% | 36.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 61.0 | 78.0 | 22.7% | 28.0% | |
| 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 | 75 | 23,412 | 155 | 23,642 | |
| Balance of financial liabilities on balance-sheet date | 221 | 22,134 | 146 | 22,501 | |
| Excess of financial assets over financial liabilities | -146 | 1,278 | 9 | 1,141 | |
| 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 | 23130 | 583.0 | 5.10 | ||
| Total financial liabilities | 21556 | -472.0 | -4.43 | ||
| Interest-rate differential | 0.67 | ||||
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.15 | 5.01 | |||
| Finanancial capital/equity ratio | 93.30 | 92.62 | |||
| Equity/risk-weighted-assets ratio | 9.48 | 9.35 | |||
| Return on equity (net profit/gross weighted-capital ratio) (4) | 10.00 | 13.80 | |||
| Operating income/operating expenses ratio (5) | 119.05 | 140.43 | |||
| 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. | |||||
| 28 | |||||