BOI - Main data on banks



Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter
Bank Massad 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	1,722	947	1.5%	0.8%
Securities	469	471	0.5%	0.5%
Credit to the public	887	839	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	61	58	0.6%	0.6%
Other assets	10	11	0.1%	0.1%
Total assets	3,149	2,326	0.4%	0.3%
Deposits of the public	2,159	2,138	0.3%	0.3%
Deposits of banks	800	5	3.4%	0.0%
Deposits of the government	0	0	0.0%	0.0%
Bonds and subordinated notes	0	0	0.0%	0.0%
Other liabilities	17	26	0.1%	0.2%
Total liabilities	2,976	2,169	0.4%	0.3%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	174	157	0.4%	0.4%

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	69.6	61.4	0.6%	0.5%	19.7
Loan-loss provision	9.7	5.5	0.3%	0.3%	5.6
Operating and other income	42.9	42.1	0.6%	0.5%	15.7
Of which: Operating income	33.2	32.3	0.6%	0.5%	12.2
Operating and other expenses	84.4	78.3	0.6%	0.6%	26.5
Of which: Salaries and related expenses	46.9	42.1	0.6%	0.5%	14.5
Ordinary before-tax provision	18.4	19.7	0.5%	0.4%	3.3
Provision for taxes on ordinary profit	8.9	9.2	0.4%	0.3%	1.5
Ordinary after-tax profit	9.5	10.5	0.5%	0.4%	1.8
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	9.5	10.5	0.5%	0.3%	1.8
Profit after the effect of the difference between the known index and the "in lieu" index	9.7	10.0	0.5%	0.3%

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	1999	901	188	3088
Balance of financial liabilities on balance-sheet date	1962	833	182	2976
Excess of financial assets over financial liabilities	38	68	7	113
Interest-rate differential	0	0	0	0

Main financial ratios - (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	5.51	6.76
Finanancial capital/equity ratio	64.90	63.21
Equity/risk-weighted-assets ratio	13.83	12.94
Return on equity (net profit/gross weighted-capital ratio) 3	8.20	9.60
Operating income/operating expenses ratio 4	50.83	53.71

^{1 Including foreign-currency indexed NIS.}
^{3 Six-month rate of income (expenses), on annual basis including ALM derivatives.}
^{3 Annual basis.}
^{4 For nine months. Comparative data are annual.}
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