| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Bank of Jerusalem 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 | 379 | 298 | 0.3% | 0.2% | |
| Securities | 290 | 283 | 0.3% | 0.3% | |
| Credit to the public | 5,125 | 4,778 | 0.9% | 1.0% | |
| Credit to the government | 0 | 0 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 3 | 3 | 0.1% | 0.1% | |
| Buildings and equipment | 59 | 61 | 0.6% | 0.7% | |
| Other assets | 19 | 12 | 0.1% | 0.1% | |
| Total assets | 5,874 | 5,434 | 0.7% | 0.7% | |
| Deposits of the public | 4,826 | 4,424 | 0.7% | 0.7% | |
| Deposits of banks | 364 | 319 | 1.5% | 1.5% | |
| Deposits of the government | 77 | 91 | 0.4% | 0.5% | |
| Bonds and subordinated notes | 262 | 262 | 0.8% | 0.9% | |
| Other liabilities | 46 | 51 | 0.2% | 0.3% | |
| Total liabilities | 5,574 | 5,146 | 0.7% | 0.7% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 300 | 288 | 0.8% | 0.8% | |
| 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 | 63.5 | 63.6 | 0.5% | 0.5% | 20.3 |
| Loan-loss provision | 3.5 | 6.8 | 0.1% | 0.4% | 2.5 |
| Operating and other income | 68.5 | 72.9 | 0.9% | 0.9% | 22.7 |
| Of which: Operating income | 66.1 | 65.9 | 1.1% | 1.0% | 22.4 |
| Operating and other expenses | 95.8 | 92.4 | 0.7% | 0.7% | 32.4 |
| Of which: Salaries and related expenses | 58.3 | 55.2 | 0.7% | 0.7% | 19.4 |
| Ordinary before-tax provision | 32.7 | 37.3 | 0.8% | 0.7% | 8.1 |
| Provision for taxes on ordinary profit | 15.8 | 15.2 | 0.8% | 0.6% | 4.6 |
| Ordinary after-tax profit | 16.9 | 22.1 | 0.9% | 0.8% | 3.5 |
| Bank's share in the profit of subsidiaries | -0.2 | 0.0 | -0.1 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | 0.0 | 0.0 | ||
| Extraordinary after-tax profit | 0.0 | 0.0 | 0.0 | ||
| Net profit | 16.7 | 22.1 | 1.0% | 0.7% | 3.4 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 17.1 | 21.1 | 1.0% | 0.7% | |
| 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 | 1148 | 3803 | 798 | 5749 | |
| Balance of financial liabilities on balance-sheet date | 1254 | 3607 | 711 | 5572 | |
| Excess of financial assets over financial liabilities | -106 | 195 | 87 | 177 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -24 | 195 | 5 | 177 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.11 | 5.29 | |||
| Finanancial capital/equity ratio | 58.93 | 56.31 | |||
| Equity/risk-weighted-assets ratio | 10.90 | 11.50 | |||
| Return on equity (net profit/gross weighted-capital ratio) 3 | 7.80 | 11.30 | |||
| Operating income/operating expenses ratio 4 | 71.50 | 79.89 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Annual basis. | |||||
| 4 For nine months. Comparative data are annual. | |||||
| 18 | |||||