BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter
Industrial Dev. 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	771	733	0.7%	0.6%
Securities	220	213	0.2%	0.2%
Credit to the public	12,004	11,000	2.2%	2.2%
Credit to the government	1,038	1,030	10.7%	7.5%
Investments in companies included on an equity basis	4	3	0.1%	0.1%
Buildings and equipment	12	13	0.1%	0.1%
Other assets	214	106	1.3%	0.8%
Total assets	14,264	13,097	1.8%	1.7%
Deposits of the public	4,392	3,872	0.7%	0.6%
Deposits of banks	1,083	818	4.5%	3.8%
Deposits of the government	7,426	7,143	38.6%	36.3%
Bonds and subordinated notes	51	47	0.2%	0.2%
Other liabilities	283	186	1.3%	1.1%
Total liabilities	13,235	12,066	1.8%	1.7%
Quasi-capital items	313	296	100.0%	100.0%
Minority shareholders' rights	0	0
Equity	716	735	1.8%	1.9%

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	105.4	84.3	0.8%	0.7%	34.6
Loan-loss provision	51.8	20.5	1.8%	1.2%	29.8
Operating and other income	14.3	27.3	0.2%	0.4%	5.8
Of which: Operating income	13.8	14.3	0.2%	0.2%	4.2
Operating and other expenses	66.0	60.7	0.5%	0.5%	19.9
Of which: Salaries and related expenses	41.7	37.6	0.5%	0.5%	12.2
Ordinary before-tax provision	1.9	30.4	0.0%	0.6%	-9.3
Provision for taxes on ordinary profit	2.7	5.5	0.1%	0.2%	-0.3
Ordinary after-tax profit	-0.8	24.9	0.0%	0.9%	-9.0
Bank's share in the profit of subsidiaries	0.0	4.0			0.0
Share of minority shareholders in profit of consolidated companies
Extraordinary after-tax profit	8.5	8.9			2.9
Net profit	7.7	37.8	0.4%	1.1%	-6.1
Profit after the effect of the difference between the known index and the "in lieu" index	7.8	37.1	0.4%	1.2%

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	2323	2599	9303	14225
Balance of financial liabilities on balance-sheet date	2333	1809	9083	13225
Excess of financial assets over financial liabilities	-10	791	220	1001
Total indexation balance (incl.forwards and options in term of basis assets) 2	178	791	32	1001

Main financial ratios - (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	5.02	5.62
Finanancial capital/equity ratio	139.65	134.20
Equity/risk-weighted-assets ratio	15.10	17.90
Return on equity (net profit/gross weighted-capital ratio) 3	1.40	6.70
Operating income/operating expenses ratio 4	21.67	39.12

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