| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Israel Discount Bank Ltd. and its subsidiaries, Main data, NIS million | |||||
| Taken from the quarterly report to 30.09.2001. Adjusted to the CPI for 09.2001. | |||||
| Summary consolidated balance sheet | 30.09.2001 | 31.12.2000 | Bank's share of the banking system | ||
| 30.09.2001 | 31.12.2000 | ||||
| Cash and deposits in banks | 20,856 | 21,764 | 18.1% | 17.8% | |
| Securities | 27,964 | 24,985 | 30.1% | 28.7% | |
| Credit to the public | 71,534 | 69,567 | 13.2% | 13.9% | |
| Credit to the government | 529 | 539 | 5.4% | 3.9% | |
| Investments in companies included on an equity basis | 927 | 940 | 24.3% | 22.8% | |
| Buildings and equipment | 1,768 | 1,736 | 18.6% | 19.0% | |
| Other assets | 2,727 | 2,571 | 16.6% | 20.6% | |
| Total assets | 126,305 | 122,102 | 16.0% | 16.3% | |
| Deposits of the public | 110,142 | 106,857 | 16.9% | 17.2% | |
| Deposits of banks | 3,920 | 3,608 | 16.4% | 16.8% | |
| Deposits of the government | 237 | 272 | 1.2% | 1.4% | |
| Bonds and subordinated notes | 3,676 | 3,278 | 11.0% | 11.4% | |
| Other liabilities | 2,718 | 2,336 | 12.9% | 13.4% | |
| Total liabilities | 120,693 | 116,351 | 16.1% | 16.4% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 440 | 412 | |||
| Equity | 5,172 | 5,339 | 13.2% | 14.1% | |
| Summary consolidated profit and loss statement | Nine months to | Bank's share of the banking system | Three months to | ||
| Nine months to | |||||
| 30.09.2001 | 30.09.2000 | 30.09.2001 | 30.09.2000 | 30.09.2001 | |
| Net interest profit before loan-loss provision | 2047.0 | 2084.0 | 16.2% | 17.1% | 657.0 |
| Loan-loss provision | 710.0 | 450.0 | 25.2% | 25.4% | 236.0 |
| Operating and other income | 1354.0 | 1350.0 | 18.7% | 17.3% | 426.0 |
| Of which: Operating income | 1092.0 | 1128.0 | 18.1% | 17.9% | 342.0 |
| Operating and other expenses | 2684.0 | 2627.0 | 20.7% | 20.6% | 890.0 |
| Of which: Salaries and related expenses | 1676.0 | 1705.0 | 20.9% | 21.0% | 551.0 |
| Ordinary before-tax provision | 7.0 | 357.0 | 0.2% | 6.6% | -43.0 |
| Provision for taxes on ordinary profit | 214.0 | 272.0 | 10.4% | 10.0% | 40.0 |
| Ordinary after-tax profit | -207.0 | 85.0 | -10.4% | 3.1% | -83.0 |
| Bank's share in the profit of subsidiaries | 42.0 | 58.0 | 7.0 | ||
| Share of minority shareholders in profit of consolidated companies | -28.0 | -63.0 | -9.0 | ||
| Extraordinary after-tax profit | 13.0 | 12.0 | 8.0 | ||
| Net profit | -180.0 | 92.0 | -10.4% | 2.8% | -77.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | -169.0 | 66.0 | -9.4% | 2.1% | |
| Balances and rates of return on financial items by indexation base on 30.09.2001 | Unindexed NIS | CPI-indexed NIS | Foreign Currency (1) | Total financial items | |
| Balance of financial assets on balance-sheet date | 41543 | 25059 | 56537 | 123139 | |
| Balance of financial liabilities on balance-sheet date | 42714 | 22265 | 55655 | 120634 | |
| Excess of financial assets over financial liabilities | -1171 | 2794 | 882 | 2505 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 66 | 2905 | -466 | 2505 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.09 | 4.37 | |||
| Finanancial capital/equity ratio | 48.43 | 51.06 | |||
| Equity/risk-weighted-assets ratio | 9.10 | 9.30 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | -4.50 | -2.00 | |||
| Operating income/operating expenses ratio 4 | 50.45 | 49.25 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 6 | |||||