| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Bank Hapoalim B.M 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 | 33,016 | 35,442 | 28.6% | 29.1% | |
| Securities | 20,094 | 15,645 | 21.6% | 18.0% | |
| Credit to the public | 174,411 | 157,981 | 32.2% | 31.5% | |
| Credit to the government | 6,451 | 10,751 | 66.4% | 78.0% | |
| Investments in companies included on an equity basis | 1,253 | 1,716 | 32.8% | 41.6% | |
| Buildings and equipment | 3,367 | 3,293 | 35.4% | 36.1% | |
| Other assets | 4,448 | 2,726 | 27.1% | 21.8% | |
| Total assets | 243,040 | 227,554 | 30.8% | 30.4% | |
| Deposits of the public | 192,843 | 180,667 | 29.6% | 29.0% | |
| Deposits of banks | 9,139 | 8,175 | 38.3% | 38.0% | |
| Deposits of the government | 5,966 | 6,560 | 31.0% | 33.3% | |
| Bonds and subordinated notes | 15,718 | 14,202 | 47.2% | 49.5% | |
| Other liabilities | 6,355 | 5,008 | 30.2% | 28.8% | |
| Total liabilities | 230,021 | 214,612 | 30.7% | 30.2% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 688 | 720 | |||
| Equity | 12,331 | 12,222 | 31.5% | 32.2% | |
| 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 | 4246.0 | 3962.0 | 33.6% | 32.5% | 1405.0 |
| Loan-loss provision | 722.0 | 548.0 | 25.6% | 31.0% | 403.0 |
| Operating and other income | 2496.0 | 2701.0 | 34.5% | 34.7% | 804.0 |
| Of which: Operating income | 2075.0 | 2099.0 | 34.5% | 33.3% | 695.0 |
| Operating and other expenses | 4091.0 | 3968.0 | 31.5% | 31.1% | 1379.0 |
| Of which: Salaries and related expenses | 2452.0 | 2416.0 | 30.5% | 29.8% | 787.0 |
| Ordinary before-tax provision | 1929.0 | 2147.0 | 47.7% | 39.6% | 427.0 |
| Provision for taxes on ordinary profit | 881.0 | 977.0 | 42.8% | 36.0% | 213.0 |
| Ordinary after-tax profit | 1048.0 | 1170.0 | 52.8% | 43.1% | 214.0 |
| Bank's share in the profit of subsidiaries | -244.0 | 168.0 | -51.0 | ||
| Share of minority shareholders in profit of consolidated companies | -29.0 | -43.0 | -4.0 | ||
| Extraordinary after-tax profit | -23.0 | -32.0 | -12.0 | ||
| Net profit | 752.0 | 1263.0 | 43.4% | 38.0% | 147.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 771.0 | 1214.0 | 42.9% | 38.3% | |
| 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 | 69293 | 67460 | 100936 | 237689 | |
| Balance of financial liabilities on balance-sheet date | 83297 | 56514 | 90029 | 229840 | |
| Excess of financial assets over financial liabilities | -14004 | 10946 | 10907 | 7849 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -2481 | 10027 | 303 | 7849 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.07 | 5.37 | |||
| Finanancial capital/equity ratio | 63.65 | 59.49 | |||
| Equity/risk-weighted-assets ratio | 9.04 | 9.19 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | 8.40 | 15.10 | |||
| Operating income/operating expenses ratio 4 | 61.01 | 66.29 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 7 | |||||