BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter - consolidated
United Mizrahi 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
Summary consolidated balance sheet	30.09.2001	31.12.2000	30.09.2001	31.12.2000
Cash and deposits in banks	14,763	13,545	12.8%	11.1%
Securities	2,538	2,474	2.7%	2.8%
Credit to the public	54,828	52,443	10.1%	10.5%
Credit to the government	79	110	0.8%	0.8%
Investments in companies included on an equity basis	142	148	3.7%	3.6%
Buildings and equipment	823	806	8.7%	8.8%
Other assets	617	614	3.8%	4.9%
Total assets	73,790	70,140	9.3%	9.4%
Deposits of the public	63,200	60,093	9.7%	9.7%
Deposits of banks	3,057	2,877	12.8%	13.4%
Deposits of the government	1,121	1,133	5.8%	5.8%
Bonds and subordinated notes	2,152	2,053	6.5%	7.2%
Other liabilities	985	905	4.7%	5.2%
Total liabilities	70,515	67,061	9.4%	9.5%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	228	208
Equity	3,047	2,871	7.8%	7.6%

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	940.0	981.0	7.4%	8.1%	310.0
Loan-loss provision	184.0	139.0	6.5%	7.9%	107.0
Operating and other income	613.0	648.0	8.5%	8.3%	208.0
Of which: Operating income	544.0	570.0	9.0%	9.0%	184.0
Operating and other expenses	944.0	956.0	7.3%	7.5%	310.0
Of which: Salaries and related expenses	605.0	600.0	7.5%	7.4%	195.0
Ordinary before-tax provision	425.0	534.0	10.5%	9.8%	101.0
Provision for taxes on ordinary profit	204.0	259.0	9.9%	9.6%	47.0
Ordinary after-tax profit	221.0	275.0	11.1%	10.1%	54.0
Bank's share in the profit of subsidiaries	1.0	38.0			-1.0
Share of minority shareholders in profit of consolidated companies	-21.0	-21.0			-6.0
Extraordinary after-tax profit	-1.0	-15.0			0.0
Net profit	200.0	277.0	11.5%	8.3%	47.0
Profit after the effect of the difference between the known index and the "in lieu" index	207.0	266.0	11.5%	8.4%

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	23618	33756	15364	72738
Balance of financial liabilities on balance-sheet date	26058	30810	13596	70464
Excess of financial assets over financial liabilities	-2440	2946	1768	2274
Total indexation balance (incl.forwards and options in term of basis assets) 2	-429	2711	-8	2274

Main financial ratios - consolidated (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	4.13	4.09
Finanancial capital/equity ratio	74.63	72.90
Equity/risk-weighted-assets ratio	9.30	9.30
Return on equity (net profit/gross weighted-capital ratio) 3	9.40	13.20
Operating income/operating expenses ratio 4	64.94	67.22

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