| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Bank Yahav Le-Ovdei Hamdina 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 | 3,101 | 2,363 | 2.7% | 1.9% | |
| Securities | 1,643 | 1,668 | 1.8% | 1.9% | |
| Credit to the public | 948 | 894 | 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 | 98 | 101 | 1.0% | 1.1% | |
| Other assets | 34 | 57 | 0.2% | 0.5% | |
| Total assets | 5,825 | 5,084 | 0.7% | 0.7% | |
| Deposits of the public | 5,480 | 4,803 | 0.8% | 0.8% | |
| Deposits of banks | 7 | 7 | 0.0% | 0.0% | |
| Deposits of the government | 1 | 1 | 0.0% | 0.0% | |
| Bonds and subordinated notes | 0 | 0 | 0.0% | 0.0% | |
| Other liabilities | 48 | 37 | 0.2% | 0.2% | |
| Total liabilities | 5,536 | 4,848 | 0.7% | 0.7% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 289 | 237 | 0.7% | 0.6% | |
| 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 | 74.2 | 57.1 | 0.6% | 0.5% | 26.8 |
| Loan-loss provision | 2.4 | 0.0 | 0.1% | 0.0% | 1.7 |
| Operating and other income | 103.2 | 96.8 | 1.4% | 1.2% | 34.6 |
| Of which: Operating income | 61.2 | 60.1 | 1.0% | 1.0% | 19.9 |
| Operating and other expenses | 143.2 | 126.3 | 1.1% | 1.0% | 48.6 |
| Of which: Salaries and related expenses | 84.9 | 69.1 | 1.1% | 0.9% | 31.0 |
| Ordinary before-tax provision | 31.8 | 27.6 | 0.8% | 0.5% | 11.1 |
| Provision for taxes on ordinary profit | 18.2 | 14.5 | 0.9% | 0.5% | 6.9 |
| Ordinary after-tax profit | 13.6 | 13.1 | 0.7% | 0.5% | 4.2 |
| 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 | 1.1 | 0.0 | 1.1 | ||
| Net profit | 14.7 | 13.1 | 0.8% | 0.4% | 5.3 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 15.6 | 11.9 | 0.9% | 0.4% | |
| 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 | 2753 | 2825 | 149 | 5727 | |
| Balance of financial liabilities on balance-sheet date | 2802 | 2582 | 152 | 5536 | |
| Excess of financial assets over financial liabilities | -49 | 243 | -3 | 191 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -49 | 243 | -3 | 191 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.96 | 4.65 | |||
| Finanancial capital/equity ratio | 65.97 | 57.12 | |||
| Equity/risk-weighted-assets ratio | 16.50 | 15.60 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | 8.40 | 8.70 | |||
| Operating income/operating expenses ratio 4 | 72.07 | 76.38 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 3 | |||||