| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - bank | |||||
| Azmauth Mortgage and Development 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 | 16 | 0 | 1.6% | 0.1% | |
| Securities | 0 | 0 | 0.0% | 0.0% | |
| Credit to the public | 1,897 | 1,874 | 1.9% | 2.0% | |
| 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 | 5 | 5 | 2.1% | 2.2% | |
| Other assets | 5 | 7 | 1.5% | 2.5% | |
| Total assets | 1,922 | 1,886 | 1.9% | 2.0% | |
| Deposits of the public | 371 | 390 | 0.9% | 0.9% | |
| Deposits of banks | 1,325 | 1,283 | 2.9% | 2.9% | |
| Deposits of the government | 66 | 59 | 3.4% | 3.4% | |
| Bonds and subordinated notes | 11 | 10 | 0.3% | 0.3% | |
| Other liabilities | 7 | 7 | 1.1% | 1.0% | |
| Total liabilities | 1,778 | 1,749 | 1.9% | 1.9% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Equity | 144 | 137 | 2.7% | 2.7% | |
| 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 | 13.8 | 13.1 | 2.5% | 2.6% | 6.8 |
| Loan-loss provision | 2.6 | 2.1 | 2.3% | 2.4% | 1.7 |
| Operating and other income | 12.7 | 12.6 | 3.2% | 3.2% | 6.4 |
| Of which: Operating income | 12.4 | 12.3 | 3.1% | 3.2% | 6.2 |
| Operating and other expenses | 10.4 | 9.9 | 2.9% | 3.0% | 5.0 |
| Of which: Salaries and related expenses | 5.8 | 5.5 | 3.0% | 3.1% | 2.5 |
| Ordinary before-tax provision | 13.5 | 13.6 | 2.8% | 2.8% | 6.5 |
| Provision for taxes on ordinary profit | 6.5 | 6.5 | 2.8% | 2.8% | 3.2 |
| Ordinary after-tax profit | 7.0 | 7.2 | 2.8% | 2.7% | 3.3 |
| 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 | 7.0 | 7.2 | 2.8% | 2.7% | 3.3 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 7.4 | 7.3 | 2.8% | 2.6% | |
| 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 | 95 | 1,809 | 13 | 1,917 | |
| Balance of financial liabilities on balance-sheet date | 94 | 1,670 | 13 | 1,777 | |
| Excess of financial assets over financial liabilities | 1 | 140 | 0 | 140 | |
| 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 | 1802 | 45.2 | 5.08 | ||
| Total financial liabilities | 1670 | -34.3 | -4.15 | ||
| Interest-rate differential | 0.93 | ||||
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 7.48 | 7.26 | |||
| Finanancial capital/equity ratio | 97.42 | 97.08 | |||
| Equity/risk-weighted-assets ratio | 12.80 | 12.40 | |||
| Return on equity (net profit/gross weighted-capital ratio) (3) | 10.50 | 11.90 | |||
| Operating income/operating expenses ratio (4) | 122.25 | 124.69 | |||
| 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. | |||||
| 32 | |||||