BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter - consolidated
Investec Bank (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	3,286	2,797	2.8%	2.3%
Securities	869	966	0.9%	1.1%
Credit to the public	1,811	2,195	0.3%	0.4%
Credit to the government	44	0	0.5%	0.0%
Investments in companies included on an equity basis	4	4	0.1%	0.1%
Buildings and equipment	104	101	1.1%	1.1%
Other assets	140	110	0.9%	0.9%
Total assets	6,256	6,173	0.8%	0.8%
Deposits of the public	5,267	5,463	0.8%	0.9%
Deposits of banks	300	48	1.3%	0.2%
Deposits of the government	0	0	0.0%	0.0%
Bonds and subordinated notes	0	0	0.0%	0.0%
Other liabilities	201	129	1.0%	0.7%
Total liabilities	5,767	5,640	0.8%	0.8%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	489	533	1.3%	1.4%

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	61.1	69.5	0.5%	0.6%	19.7
Loan-loss provision	18.8	2.9	0.7%	0.2%	2.4
Operating and other income	48.2	76.6	0.7%	1.0%	16.0
Of which: Operating income	44.7	71.9	0.7%	1.1%	14.2
Operating and other expenses	87.7	85.6	0.7%	0.7%	29.2
Of which: Salaries and related expenses	49.2	47.3	0.6%	0.6%	15.8
Ordinary before-tax provision	2.8	57.6	0.1%	1.1%	4.1
Provision for taxes on ordinary profit	3.8	26.0	0.2%	1.0%	2.8
Ordinary after-tax profit	-1.0	31.6	-0.1%	1.2%	1.3
Bank's share in the profit of subsidiaries	0.0	0.8			-0.3
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	-1.0	32.4	-0.1%	1.0%	1.0
Profit after the effect of the difference between the known index and the "in lieu" index	0.3	30.5	0.0%	1.0%

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	3364	435	2334	6133
Balance of financial liabilities on balance-sheet date	3517	73	2169	5759
Excess of financial assets over financial liabilities	-153	362	166	375
Total indexation balance (incl.forwards and options in term of basis assets) 2	10	362	2	375

Main financial ratios - consolidated (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	7.81	8.63
Finanancial capital/equity ratio	76.62	79.44
Equity/risk-weighted-assets ratio	17.23	18.29
Return on equity (net profit/gross weighted-capital ratio) 3	-0.20	7.27
Operating income/operating expenses ratio 4	54.96	79.81

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