| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Israel Continental 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 | 125 | 108 | 0.1% | 0.1% | |
| Securities | 12 | 46 | 0.0% | 0.1% | |
| Credit to the public | 1,908 | 1,433 | 0.4% | 0.3% | |
| Credit to the government | 0 | 0 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 0 | 0 | 0.0% | 0.0% | |
| Buildings and equipment | 6 | 23 | 0.1% | 0.2% | |
| Other assets | 60 | 62 | 0.4% | 0.5% | |
| Total assets | 2,110 | 1,672 | 0.3% | 0.2% | |
| Deposits of the public | 941 | 644 | 0.1% | 0.1% | |
| Deposits of banks | 836 | 686 | 3.5% | 3.2% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% | |
| Other liabilities | 66 | 77 | 0.3% | 0.4% | |
| Total liabilities | 1,843 | 1,407 | 0.2% | 0.2% | |
| Quasi-capital items | 1 | 1 | 0.3% | 0.3% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 266 | 264 | 0.7% | 0.7% | |
| 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 | 39.8 | 40.2 | 0.3% | 0.3% | 13.5 |
| Loan-loss provision | 7.3 | 4.7 | 0.3% | 0.3% | 4.0 |
| Operating and other income | 8.1 | 8.0 | 0.1% | 0.1% | 3.1 |
| Of which: Operating income | 7.8 | 7.3 | 0.1% | 0.1% | 3.0 |
| Operating and other expenses | 26.7 | 27.5 | 0.2% | 0.2% | 8.8 |
| Of which: Salaries and related expenses | 17.2 | 18.0 | 0.2% | 0.2% | 5.6 |
| Ordinary before-tax provision | 13.9 | 16.0 | 0.3% | 0.3% | 3.8 |
| Provision for taxes on ordinary profit | 6.9 | 7.2 | 0.3% | 0.3% | 1.9 |
| Ordinary after-tax profit | 7.0 | 8.8 | 0.4% | 0.3% | 1.9 |
| Bank's share in the profit of subsidiaries | 0.0 | 0.0 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | 0.0 | 0.0 | ||
| Extraordinary after-tax profit | 2.7 | 2.4 | 0.0 | ||
| Net profit | 9.7 | 11.2 | 0.6% | 0.3% | 1.9 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 10.2 | 10.3 | 0.6% | 0.3% | |
| 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 | 749 | 206 | 1150 | 2104 | |
| Balance of financial liabilities on balance-sheet date | 941 | 23 | 878 | 1842 | |
| Excess of financial assets over financial liabilities | -192 | 182 | 272 | 262 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | 74 | 182 | 6 | 262 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 12.63 | 15.81 | |||
| Finanancial capital/equity ratio | 98.42 | 91.79 | |||
| Equity/risk-weighted-assets ratio | 12.40 | 14.80 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | 4.60 | 5.20 | |||
| Operating income/operating expenses ratio 4 | 30.34 | 29.23 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 13 | |||||