| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Otsar Hahayal 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 | 2,202 | 2,260 | 1.9% | 1.9% | |
| Securities | 133 | 96 | 0.1% | 0.1% | |
| Credit to the public | 5,855 | 5,633 | 1.1% | 1.1% | |
| Credit to the government | 1 | 0 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 0 | 0 | 0.0% | 0.0% | |
| Buildings and equipment | 94 | 71 | 1.0% | 0.8% | |
| Other assets | 67 | 59 | 0.4% | 0.5% | |
| Total assets | 8,351 | 8,119 | 1.1% | 1.1% | |
| Deposits of the public | 7,511 | 7,319 | 1.2% | 1.2% | |
| Deposits of banks | 45 | 24 | 0.2% | 0.1% | |
| Deposits of the government | 31 | 41 | 0.2% | 0.2% | |
| Bonds and subordinated notes | 225 | 202 | 0.7% | 0.7% | |
| Other liabilities | 97 | 104 | 0.5% | 0.6% | |
| Total liabilities | 7,908 | 7,689 | 1.1% | 1.1% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 1 | 1 | |||
| Equity | 443 | 430 | 1.1% | 1.1% | |
| 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 | 179.9 | 177.5 | 1.4% | 1.5% | 60.3 |
| Loan-loss provision | 28.1 | 31.1 | 1.0% | 1.8% | 19.2 |
| Operating and other income | 104.0 | 108.7 | 1.4% | 1.4% | 36.9 |
| Of which: Operating income | 92.5 | 97.3 | 1.5% | 1.5% | 32.9 |
| Operating and other expenses | 220.1 | 256.3 | 1.7% | 2.0% | 72.0 |
| Of which: Salaries and related expenses | 133.6 | 172.3 | 1.7% | 2.1% | 43.4 |
| Ordinary before-tax provision | 35.7 | -1.2 | 0.9% | 0.0% | 6.0 |
| Provision for taxes on ordinary profit | 23.0 | -0.3 | 1.1% | 0.0% | 7.4 |
| Ordinary after-tax profit | 12.7 | -0.9 | 0.6% | 0.0% | -1.4 |
| Bank's share in the profit of subsidiaries | 0.0 | 0.1 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | 0.0 | 0.0 | ||
| Extraordinary after-tax profit | -0.3 | 0.0 | 0.0 | ||
| Net profit | 12.4 | -0.8 | 0.7% | 0.0% | -1.4 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 13.7 | -3.9 | 0.8% | -0.1% | |
| 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 | 4952 | 2392 | 909 | 8253 | |
| Balance of financial liabilities on balance-sheet date | 5183 | 2096 | 614 | 7893 | |
| Excess of financial assets over financial liabilities | -231 | 297 | 295 | 360 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 52 | 297 | 12 | 360 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.31 | 5.29 | |||
| Finanancial capital/equity ratio | 81.34 | 83.82 | |||
| Equity/risk-weighted-assets ratio | 10.30 | 10.10 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | 3.86 | -3.03 | |||
| Operating income/operating expenses ratio 4 | 47.25 | 42.74 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 9 | |||||