BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter - consolidated
Union Bank of Israel 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
Summary consolidated balance sheet	30.09.2001	31.12.2000	30.09.2001	31.12.2000
Cash and deposits in banks	2,458	2,223	2.1%	1.8%
Securities	2,202	1,246	2.4%	1.4%
Credit to the public	16,267	14,046	3.0%	2.8%
Credit to the government	57	0	0.6%	0.0%
Investments in companies included on an equity basis	41	31	1.1%	0.8%
Buildings and equipment	327	320	3.4%	3.5%
Other assets	1,022	788	6.2%	6.3%
Total assets	22,374	18,654	2.8%	2.5%
Deposits of the public	18,929	15,998	2.9%	2.6%
Deposits of banks	662	400	2.8%	1.9%
Deposits of the government	23	5	0.1%	0.0%
Bonds and subordinated notes	542	319	1.6%	1.1%
Other liabilities	1,081	827	5.1%	4.8%
Total liabilities	21,237	17,549	2.8%	2.5%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	1,137	1,105	2.9%	2.9%

Summary consolidated profit and loss statement	Nine months to		Bank's share of the banking system		Three months to
	Nine months to		Nine months to		Three months to
	30.09.2001	30.09.2000	30.09.2001	30.09.2000	30.09.2001
Net interest profit before loan-loss provision	353.0	354.0	2.8%	2.9%	107.0
Loan-loss provision	85.0	45.0	3.0%	2.5%	41.0
Operating and other income	140.0	157.0	1.9%	2.0%	49.0
Of which: Operating income	132.0	138.0	2.2%	2.2%	48.0
Operating and other expenses	356.0	343.0	2.7%	2.7%	123.0
Of which: Salaries and related expenses	218.0	216.0	2.7%	2.7%	73.0
Ordinary before-tax provision	52.0	123.0	1.3%	2.3%	-8.0
Provision for taxes on ordinary profit	33.0	59.0	1.6%	2.2%	0.0
Ordinary after-tax profit	19.0	64.0	1.0%	2.4%	-8.0
Bank's share in the profit of subsidiaries	2.0	1.0			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	21.0	65.0	1.2%	2.0%	-8.0
Profit after the effect of the difference between the known index and the "in lieu" index	25.0	58.0	1.4%	1.8%

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	8030	4478	9363	21871
Balance of financial liabilities on balance-sheet date	10444	3479	7251	21174
Excess of financial assets over financial liabilities	-2414	999	2112	697
Total indexation balance (incl.forwards and options in term of basis assets) 2	-290	849	138	697

Main financial ratios - consolidated (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	5.08	5.92
Finanancial capital/equity ratio	61.30	53.39
Equity/risk-weighted-assets ratio	9.70	9.00
Return on equity (net profit/gross weighted-capital ratio) 3	2.50	7.00
Operating income/operating expenses ratio 4	39.33	43.31

^{1 Including foreign-currency indexed NIS.}
^{2 Forwards transactions.}
^{3 Annual basis.}
^{4 For nine months. Comparative data are annual.}
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