BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter
Bank Polska Kasa Opieki Tel Aviv (Bank Pekao) 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	83	82	0.1%	0.1%
Securities	2	11	0.0%	0.0%
Credit to the public	172	207	0.0%	0.0%
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	10	10	0.1%	0.1%
Other assets	1	1	0.0%	0.0%
Total assets	268	311	0.0%	0.0%
Deposits of the public	122	114	0.0%	0.0%
Deposits of banks	74	125	0.3%	0.6%
Deposits of the government	0	0	0.0%	0.0%
Bonds and subordinated notes	0	0	0.0%	0.0%
Other liabilities	5	5	0.0%	0.0%
Total liabilities	201	243	0.0%	0.0%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	67	68	0.2%	0.2%

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	13.8	4.6	0.1%	0.0%	6.9
Loan-loss provision	6.7	-1.7	0.2%	-0.1%	6.2
Operating and other income	3.3	2.1	0.0%	0.0%	0.8
Of which: Operating income	2.5	2.0	0.0%	0.0%	0.8
Operating and other expenses	10.0	9.1	0.1%	0.1%	3.4
Of which: Salaries and related expenses	5.7	4.9	0.1%	0.1%	1.9
Ordinary before-tax provision	0.4	-0.7	0.0%	0.0%	-1.9
Provision for taxes on ordinary profit	0.0	0.0	0.0%	0.0%	0.0
Ordinary after-tax profit	0.4	-0.7	0.0%	0.0%	-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
Extraordinary after-tax profit	0.0	0.0			0.0
Net profit	0.4	-0.7	0.0%	0.0%	-1.9
Profit after the effect of the difference between the known index and the "in lieu" index	0.4	-0.7	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	101	0	157	258
Balance of financial liabilities on balance-sheet date	43	0	158	201
Excess of financial assets over financial liabilities	58	0	-1	57
Total indexation balance (incl.forwards and options in term of basis assets) 2	58	0	-1	57

Main financial ratios - (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	25.09	21.91
Finanancial capital/equity ratio	85.29	85.34
Equity/risk-weighted-assets ratio	48.71	43.10
Return on equity (net profit/gross weighted-capital ratio) 3	0.79	-155.28
Operating income/operating expenses ratio 4	33.00	30.33

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