BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter
Arab Israel Bank Ltd. , Main data, NIS million
Taken from the quarterly report to 30.09.2001. Adjusted to the CPI for 09.2001.

Summary balance sheet	30.09.2001	31.12.2000	Bank's share of the banking system
Summary balance sheet	30.09.2001	31.12.2000	30.09.2001	31.12.2000
Cash and deposits in banks	2,567	2,857	2.2%	2.3%
Securities	178	138	0.2%	0.2%
Credit to the public	1,279	1,243	0.2%	0.2%
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	23	24	0.2%	0.3%
Other assets	25	23	0.1%	0.2%
Total assets	4,071	4,285	0.5%	0.6%
Deposits of the public	2,466	2,352	0.4%	0.4%
Deposits of banks	1,222	1,598	5.1%	7.4%
Deposits of the government	0	0	0.0%	0.0%
Bonds and subordinated notes	0	0	0.0%	0.0%
Other liabilities	38	34	0.2%	0.2%
Total liabilities	3,727	3,985	0.5%	0.6%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	345	300	0.9%	0.8%

Summary 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	100.9	100.5	0.8%	0.8%	35.1
Loan-loss provision	3.9	2.9	0.1%	0.2%	1.8
Operating and other income	59.3	58.0	0.8%	0.7%	20.2
Of which: Operating income	57.5	56.2	1.0%	0.9%	19.6
Operating and other expenses	74.1	74.8	0.6%	0.6%	24.7
Of which: Salaries and related expenses	49.2	47.2	0.6%	0.6%	16.4
Ordinary before-tax provision	82.2	80.8	2.0%	1.5%	28.8
Provision for taxes on ordinary profit	39.2	36.8	1.9%	1.4%	13.7
Ordinary after-tax profit	43.0	44.0	2.2%	1.6%	15.1
Bank's share in the profit of subsidiaries	0.0	0.0			0.0
Share of minority shareholders in profit of consolidated companies
Extraordinary after-tax profit	0.0	0.0			0.0
Net profit	43.0	44.0	2.5%	1.3%	15.1
Profit after the effect of the difference between the known index and the "in lieu" index	43.7	41.9	2.4%	1.3%

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	2908	1097	43	4049
Balance of financial liabilities on balance-sheet date	2901	785	40	3727
Excess of financial assets over financial liabilities	7	312	3	322
Total indexation balance (incl.forwards and options in term of basis assets) 2	7	312	3	322

Main financial ratios - (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	8.47	7.00
Finanancial capital/equity ratio	93.41	91.86
Equity/risk-weighted-assets ratio	31.62	27.96
Return on equity (net profit/gross weighted-capital ratio) 3	19.60	19.50
Operating income/operating expenses ratio 4	80.03	79.49

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