| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Mercantile 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 | 2,306 | 1,651 | 2.0% | 1.4% | |
| Securities | 975 | 1,306 | 1.0% | 1.5% | |
| Credit to the public | 11,420 | 10,671 | 2.1% | 2.1% | |
| Credit to the government | 4 | 3 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 5 | 3 | 0.1% | 0.1% | |
| Buildings and equipment | 240 | 237 | 2.5% | 2.6% | |
| Other assets | 180 | 140 | 1.1% | 1.1% | |
| Total assets | 15,130 | 14,010 | 1.9% | 1.9% | |
| Deposits of the public | 12,787 | 12,449 | 2.0% | 2.0% | |
| Deposits of banks | 911 | 287 | 3.8% | 1.3% | |
| Deposits of the government | 51 | 53 | 0.3% | 0.3% | |
| Bonds and subordinated notes | 438 | 385 | 1.3% | 1.3% | |
| Other liabilities | 233 | 162 | 1.1% | 0.9% | |
| Total liabilities | 14,420 | 13,335 | 1.9% | 1.9% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 710 | 675 | 1.8% | 1.8% | |
| 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 | 297.4 | 311.0 | 2.4% | 2.6% | 101.5 |
| Loan-loss provision | 61.4 | 35.3 | 2.2% | 2.0% | 40.1 |
| Operating and other income | 153.0 | 156.1 | 2.1% | 2.0% | 52.4 |
| Of which: Operating income | 141.1 | 143.2 | 2.3% | 2.3% | 48.5 |
| Operating and other expenses | 359.8 | 357.3 | 2.8% | 2.8% | 124.6 |
| Of which: Salaries and related expenses | 211.2 | 211.7 | 2.6% | 2.6% | 74.5 |
| Ordinary before-tax provision | 29.2 | 74.5 | 0.7% | 1.4% | -10.8 |
| Provision for taxes on ordinary profit | 17.4 | 36.1 | 0.8% | 1.3% | -4.6 |
| Ordinary after-tax profit | 11.8 | 38.4 | 0.6% | 1.4% | -6.2 |
| Bank's share in the profit of subsidiaries | -0.4 | 0.0 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | 0.0 | 0.0 | ||
| Extraordinary after-tax profit | -0.3 | 3.3 | -0.2 | ||
| Net profit | 11.1 | 41.7 | 0.6% | 1.3% | -6.4 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 12.1 | 38.6 | 0.7% | 1.2% | |
| 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 | 8013 | 3721 | 3117 | 14851 | |
| Balance of financial liabilities on balance-sheet date | 8067 | 3400 | 2945 | 14412 | |
| Excess of financial assets over financial liabilities | -54 | 321 | 172 | 439 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 82 | 321 | 36 | 439 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.69 | 4.82 | |||
| Finanancial capital/equity ratio | 61.90 | 62.56 | |||
| Equity/risk-weighted-assets ratio | 9.42 | 9.60 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | 2.20 | 7.50 | |||
| Operating income/operating expenses ratio 4 | 42.52 | 42.14 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 10 | |||||