| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Trade 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 | 71 | 159 | 0.1% | 0.1% | |
| Securities | 118 | 116 | 0.1% | 0.1% | |
| Credit to the public | 389 | 364 | 0.1% | 0.1% | |
| 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 | 5 | 5 | 0.1% | 0.1% | |
| Other assets | 10 | 8 | 0.1% | 0.1% | |
| Total assets | 593 | 652 | 0.1% | 0.1% | |
| Deposits of the public | 495 | 576 | 0.1% | 0.1% | |
| Deposits of banks | 29 | 6 | 0.1% | 0.0% | |
| Deposits of the government | 0 | 0 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 18 | 19 | 0.1% | 0.1% | |
| Other liabilities | 3 | 4 | 0.0% | 0.0% | |
| Total liabilities | 544 | 604 | 0.1% | 0.1% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 49 | 48 | 0.1% | 0.1% | |
| 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 | 16.2 | 16.8 | 0.1% | 0.1% | 5.4 |
| Loan-loss provision | 4.3 | 2.8 | 0.2% | 0.2% | 3.4 |
| Operating and other income | 4.7 | 5.1 | 0.1% | 0.1% | 1.7 |
| Of which: Operating income | 4.2 | 5.0 | 0.1% | 0.1% | 1.5 |
| Operating and other expenses | 16.3 | 17.2 | 0.1% | 0.1% | 5.3 |
| Of which: Salaries and related expenses | 7.9 | 7.7 | 0.1% | 0.1% | 2.4 |
| Ordinary before-tax provision | 0.2 | 1.9 | 0.0% | 0.0% | -1.5 |
| Provision for taxes on ordinary profit | 0.0 | 1.4 | 0.0% | 0.0% | -0.6 |
| Ordinary after-tax profit | 0.2 | 0.5 | 0.0% | 0.0% | -0.8 |
| 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 | 0.0 | 0.0 | 0.0 | ||
| Net profit | 0.2 | 0.5 | 0.0% | 0.0% | -0.8 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 0.4 | 0.1 | 0.0% | 0.0% | |
| 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 | 324 | 124 | 138 | 586 | |
| Balance of financial liabilities on balance-sheet date | 326 | 79 | 139 | 544 | |
| Excess of financial assets over financial liabilities | -2 | 44 | 0 | 42 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -1 | 44 | -2 | 42 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 8.26 | 7.37 | |||
| Finanancial capital/equity ratio | 85.72 | 84.82 | |||
| Equity/risk-weighted-assets ratio | 15.07 | 15.11 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | 0.60 | 1.10 | |||
| Operating income/operating expenses ratio 4 | 29.05 | 29.15 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 14 | |||||