| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| The First International Bank of 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 | ||
| 30.09.2001 | 31.12.2000 | ||||
| Cash and deposits in banks | 15,602 | 15,575 | 13.5% | 12.8% | |
| Securities | 3,016 | 4,398 | 3.2% | 5.1% | |
| Credit to the public | 47,368 | 43,116 | 8.7% | 8.6% | |
| Credit to the government | 218 | 147 | 2.2% | 1.1% | |
| Investments in companies included on an equity basis | 17 | 19 | 0.4% | 0.5% | |
| Buildings and equipment | 714 | 730 | 7.5% | 8.0% | |
| Other assets | 1,860 | 1,349 | 11.3% | 10.8% | |
| Total assets | 68,795 | 65,334 | 8.7% | 8.7% | |
| Deposits of the public | 60,284 | 57,531 | 9.3% | 9.2% | |
| Deposits of banks | 861 | 1,270 | 3.6% | 5.9% | |
| Deposits of the government | 599 | 612 | 3.1% | 3.1% | |
| Bonds and subordinated notes | 1,828 | 1,509 | 5.5% | 5.3% | |
| Other liabilities | 1,885 | 1,235 | 8.9% | 7.1% | |
| Total liabilities | 65,457 | 62,157 | 8.7% | 8.8% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 146 | 143 | |||
| Equity | 3,192 | 3,034 | 8.2% | 8.0% | |
| 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 | 918.0 | 919.0 | 7.3% | 7.5% | 272.0 |
| Loan-loss provision | 228.0 | 87.0 | 8.1% | 4.9% | 143.0 |
| Operating and other income | 494.0 | 576.0 | 6.8% | 7.4% | 162.0 |
| Of which: Operating income | 426.0 | 512.0 | 7.1% | 8.1% | 141.0 |
| Operating and other expenses | 851.0 | 977.0 | 6.5% | 7.6% | 262.0 |
| Of which: Salaries and related expenses | 521.0 | 571.0 | 6.5% | 7.0% | 151.0 |
| Ordinary before-tax provision | 333.0 | 431.0 | 8.2% | 7.9% | 29.0 |
| Provision for taxes on ordinary profit | 171.0 | 245.0 | 8.3% | 9.0% | 0.0 |
| Ordinary after-tax profit | 162.0 | 186.0 | 8.2% | 6.9% | 29.0 |
| Bank's share in the profit of subsidiaries | -1.0 | 2.0 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | -8.0 | 13.0 | -2.0 | ||
| Extraordinary after-tax profit | 0.0 | 29.0 | 0.0 | ||
| Net profit | 153.0 | 230.0 | 8.8% | 6.9% | 27.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 159.0 | 213.0 | 8.8% | 6.7% | |
| 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 | 25619 | 16923 | 25298 | 67840 | |
| Balance of financial liabilities on balance-sheet date | 29699 | 13032 | 22721 | 65452 | |
| Excess of financial assets over financial liabilities | -4080 | 3891 | 2577 | 2388 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -1018 | 3827 | -421 | 2388 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.64 | 4.64 | |||
| Finanancial capital/equity ratio | 74.81 | 73.24 | |||
| Equity/risk-weighted-assets ratio | 9.00 | 9.50 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | 6.80 | 11.50 | |||
| Operating income/operating expenses ratio 4 | 58.05 | 58.11 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 15 | |||||