BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter
Kupat Haoved Haleumi Leashrai Vehisachon Benetanya 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	61	57	0.1%	0.0%
Securities	9	9	0.0%	0.0%
Credit to the public	21	22	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	0	0	0.0%	0.0%
Other assets	0	0	0.0%	0.0%
Total assets	91	88	0.0%	0.0%
Deposits of the public	86	84	0.0%	0.0%
Deposits of banks	0	0	0.0%	0.0%
Deposits of the government	0	0	0.0%	0.0%
Bonds and subordinated notes	0	0	0.0%	0.0%
Other liabilities	0	0	0.0%	0.0%
Total liabilities	87	84	0.0%	0.0%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	5	4	0.0%	0.0%

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	2.3	2.5	0.0%	0.0%	0.7
Loan-loss provision	0.2	0.1	0.0%	0.0%	0.1
Operating and other income	0.9	0.9	0.0%	0.0%	0.3
Of which: Operating income	0.8	0.8	0.0%	0.0%	0.3
Operating and other expenses	2.6	2.7	0.0%	0.0%	0.9
Of which: Salaries and related expenses	1.4	1.4	0.0%	0.0%	0.4
Ordinary before-tax provision	0.3	0.6	0.0%	0.0%	0.1
Provision for taxes on ordinary profit	0.2	0.3	0.0%	0.0%	0.0
Ordinary after-tax profit	0.1	0.3	0.0%	0.0%	0.0
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	0.1	0.3	0.0%	0.0%	0.0
Profit after the effect of the difference between the known index and the "in lieu" index	0.1	0.3	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	81	10	0	91
Balance of financial liabilities on balance-sheet date	78	9	0	87
Excess of financial assets over financial liabilities	3	1	0	4
Total indexation balance (incl.forwards and options in term of basis assets) 2	3	1	0	4

Main financial ratios - (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	4.96	5.02
Finanancial capital/equity ratio	96.18	95.13
Equity/risk-weighted-assets ratio	27.41	26.24
Return on equity (net profit/gross weighted-capital ratio) 3	3.10	9.20
Operating income/operating expenses ratio 4	33.78	34.78

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