| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Bank "Adanim" Mortgage and Loans 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 | 4 | 4 | 0.3% | 1.5% | |
| Securities | 0 | 0 | 0.0% | 0.0% | |
| Credit to the public | 2,603 | 2,467 | 2.6% | 2.6% | |
| 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 | 18 | 19 | 8.0% | 8.2% | |
| Other assets | 13 | 12 | 4.3% | 4.6% | |
| Total assets | 2,638 | 2,503 | 2.6% | 2.6% | |
| Deposits of the public | 2,243 | 2,129 | 5.4% | 5.2% | |
| Deposits of banks | 94 | 82 | 0.2% | 0.2% | |
| Deposits of the government | 35 | 39 | 2.0% | 2.2% | |
| Bonds and subordinated notes | 112 | 103 | 3.1% | 3.1% | |
| Other liabilities | 36 | 39 | 8.8% | 6.2% | |
| Total liabilities | 2,520 | 2,393 | 2.6% | 2.6% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | 0.0% | 0.0% | |
| Equity | 119 | 110 | 2.2% | 2.2% | |
| 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 | 26.9 | 24.8 | 3.2% | 3.0% | 8.9 |
| Loan-loss provision | 5.2 | 5.9 | 2.5% | 4.4% | 1.2 |
| Operating and other income | 19.5 | 20.4 | 3.2% | 3.5% | 6.6 |
| Of which: Operating income | 19.5 | 20.4 | 3.3% | 3.6% | 6.6 |
| Operating and other expenses | 23.4 | 23.5 | 4.6% | 4.9% | 7.9 |
| Of which: Salaries and related expenses | 14.0 | 13.6 | 5.0% | 5.3% | 4.6 |
| Ordinary before-tax provision | 17.8 | 15.8 | 2.5% | 2.0% | 6.4 |
| Provision for taxes on ordinary profit | 8.7 | 7.0 | 2.5% | 2.0% | 3.4 |
| Ordinary after-tax profit | 9.1 | 8.8 | 2.4% | 2.0% | 3.0 |
| 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 | 0.0 | 0.0 | 0.0 | ||
| Net profit | 9.1 | 8.8 | 2.5% | 2.0% | 3.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 9.4 | 8.3 | 2.4% | 2.0% | |
| 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 | 219 | 2,401 | 0 | 2,620 | |
| Balance of financial liabilities on balance-sheet date | 185 | 2,316 | 0 | 2,501 | |
| Excess of financial assets over financial liabilities | 34 | 85 | 0 | 119 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.50 | 4.38 | |||
| Finanancial capital/equity ratio | 100.34 | 100.09 | |||
| Equity/risk-weighted-assets ratio | 9.54 | 9.53 | |||
| Return on equity (net profit/gross weighted-capital ratio) (2) | 11.20 | 11.30 | |||
| Operating income/operating expenses ratio (3) | 83.33 | 83.28 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Annual basis. | |||||
| 3 For nine months. Comparative data are annual. | |||||
| 25 | |||||