BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter
Poalei Agudat 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	2,317	1,159	2.0%	1.0%
Securities	97	125	0.1%	0.1%
Credit to the public	899	819	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	28	28	0.3%	0.3%
Other assets	8	4	0.0%	0.0%
Total assets	3,349	2,135	0.4%	0.3%
Deposits of the public	2,317	1,930	0.4%	0.3%
Deposits of banks	839	18	3.5%	0.1%
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%	0.1%
Total liabilities	3,172	1,974	0.4%	0.3%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	177	161	0.5%	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	50.0	45.5	0.4%	0.4%	17.4
Loan-loss provision	12.9	4.9	0.5%	0.3%	9.7
Operating and other income	40.3	41.8	0.6%	0.5%	13.3
Of which: Operating income	40.3	41.8	0.7%	0.7%	13.3
Operating and other expenses	48.2	47.4	0.4%	0.4%	15.4
Of which: Salaries and related expenses	23.5	23.1	0.3%	0.3%	7.5
Ordinary before-tax provision	29.2	35.0	0.7%	0.6%	5.6
Provision for taxes on ordinary profit	14.1	16.2	0.7%	0.6%	2.7
Ordinary after-tax profit	15.1	18.8	0.8%	0.7%	2.9
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	15.1	18.8	0.9%	0.6%	2.9
Profit after the effect of the difference between the known index and the "in lieu" index	15.5	18.1	0.9%	0.6%

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	2721	500	101	3322
Balance of financial liabilities on balance-sheet date	2782	290	100	3172
Excess of financial assets over financial liabilities	-61	210	0	149
Total indexation balance (incl.forwards and options in term of basis assets) 2	-61	210	0	149

Main financial ratios - (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	5.28	7.53
Finanancial capital/equity ratio	84.45	82.90
Equity/risk-weighted-assets ratio	15.20	15.80
Return on equity (net profit/gross weighted-capital ratio) 3	12.70	18.90
Operating income/operating expenses ratio 4	83.61	87.33

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