| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| The First International Mortgage Bank 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 | 1 | 9 | 0.1% | 2.9% | |
| Securities | 0 | 0 | 0.0% | 0.0% | |
| Credit to the public | 6,861 | 6,651 | 7.0% | 7.0% | |
| Credit to the government | 0 | 0 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 0 | 1 | 74.8% | 74.8% | |
| Buildings and equipment | 14 | 15 | 5.8% | 6.1% | |
| Other assets | 9 | 13 | 3.2% | 4.8% | |
| Total assets | 6,885 | 6,688 | 6.9% | 6.9% | |
| Deposits of the public | 1,274 | 1,341 | 3.0% | 3.2% | |
| Deposits of banks | 4,829 | 4,598 | 10.6% | 10.5% | |
| Deposits of the government | 145 | 135 | 7.4% | 7.6% | |
| Bonds and subordinated notes | 166 | 164 | 4.5% | 4.9% | |
| Other liabilities | 16 | 14 | 2.7% | 2.2% | |
| Total liabilities | 6,430 | 6,252 | 6.8% | 6.8% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 23 | 25 | 0.0% | 0.0% | |
| Equity | 432 | 411 | 8.0% | 8.0% | |
| 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 | 43.6 | 41.7 | 8.0% | 8.1% | 21.1 |
| Loan-loss provision | 3.5 | 3.7 | 3.1% | 4.2% | 2.2 |
| Operating and other income | 25.5 | 24.9 | 6.3% | 6.3% | 12.8 |
| Of which: Operating income | 23.6 | 22.8 | 6.0% | 5.9% | 11.8 |
| Operating and other expenses | 21.7 | 19.5 | 6.1% | 6.0% | 11.0 |
| Of which: Salaries and related expenses | 10.5 | 10.0 | 5.4% | 5.7% | 4.7 |
| Ordinary before-tax provision | 44.0 | 43.5 | 9.2% | 8.8% | 20.7 |
| Provision for taxes on ordinary profit | 21.2 | 20.6 | 9.2% | 8.9% | 10.0 |
| Ordinary after-tax profit | 22.8 | 22.8 | 9.1% | 8.7% | 10.7 |
| Bank's share in the profit of subsidiaries | 0.0 | 0.0 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | -1.2 | -1.3 | -0.5 | ||
| Extraordinary after-tax profit | 0.0 | 0.0 | 0.0 | ||
| Net profit | 21.6 | 21.5 | 8.7% | 8.2% | 10.1 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 23.0 | 22.2 | 8.6% | 8.0% | |
| 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 | 444 | 6,359 | 66 | 6,869 | |
| Balance of financial liabilities on balance-sheet date | 477 | 5,890 | 62 | 6,428 | |
| Excess of financial assets over financial liabilities | -33 | 470 | 4 | 441 | |
| 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 | 6331 | 154.7 | 4.95 | ||
| Total financial liabilities | 5898 | -118.2 | -4.05 | ||
| Interest-rate differential | 0.90 | ||||
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 6.28 | 6.14 | |||
| Finanancial capital/equity ratio | 102.01 | 102.23 | |||
| Equity/risk-weighted-assets ratio | 11.70 | 11.70 | |||
| Return on equity (net profit/gross weighted-capital ratio) (4) | 10.80 | 12.60 | |||
| Operating income/operating expenses ratio (5) | 117.77 | 124.42 | |||
| 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. | |||||
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