| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Leumi Mortgage Bank Ltd. F76, 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 | 901 | 198 | 85.3% | 71.5% | |
| Securities | 0 | 0 | 0.0% | 0.0% | |
| Credit to the public | 27,499 | 26,302 | 27.8% | 27.7% | |
| 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 | 34 | 32 | 14.8% | 13.6% | |
| Other assets | 187 | 148 | 60.0% | 56.7% | |
| Total assets | 28,621 | 26,680 | 28.4% | 27.9% | |
| Deposits of the public | 7,025 | 7,083 | 16.9% | 17.3% | |
| Deposits of banks | 18,180 | 16,519 | 38.0% | 37.6% | |
| Deposits of the government | 837 | 706 | 47.2% | 40.1% | |
| Bonds and subordinated notes | 1,244 | 1,092 | 34.6% | 33.2% | |
| Other liabilities | 65 | 80 | 16.1% | 12.7% | |
| Total liabilities | 27,351 | 25,480 | 28.7% | 28.1% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | 0.0% | 0.0% | |
| Equity | 1,270 | 1,200 | 23.4% | 23.7% | |
| Summary 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 | 181.0 | 159.0 | 21.6% | 19.5% | 64.0 |
| Loan-loss provision | 51.0 | 23.0 | 24.0% | 17.0% | 26.0 |
| Operating and other income | 119.0 | 108.0 | 19.8% | 18.3% | 42.0 |
| Of which: Operating income | 118.0 | 107.0 | 20.1% | 18.7% | 42.0 |
| Operating and other expenses | 115.0 | 101.0 | 22.5% | 21.1% | 36.0 |
| Of which: Salaries and related expenses | 61.0 | 51.0 | 22.0% | 19.9% | 16.0 |
| Ordinary before-tax provision | 134.0 | 143.0 | 18.7% | 18.1% | 44.0 |
| Provision for taxes on ordinary profit | 64.0 | 62.0 | 18.6% | 18.0% | 20.0 |
| Ordinary after-tax profit | 70.0 | 81.0 | 18.8% | 18.2% | 24.0 |
| 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 | 70.0 | 81.0 | 18.9% | 18.2% | 24.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 73.0 | 75.0 | 19.0% | 18.0% | |
| 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 | 1,652 | 25,748 | 1,172 | 28,572 | |
| Balance of financial liabilities on balance-sheet date | 888 | 25,261 | 1,176 | 27,325 | |
| Excess of financial assets over financial liabilities | 764 | 487 | -4 | 1,247 | |
| Main financial ratios - (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 4.44 | 4.50 | |||
| Finanancial capital/equity ratio | 98.19 | 98.50 | |||
| Equity/risk-weighted-assets ratio | 9.32 | 9.33 | |||
| Return on equity (net profit/gross weighted-capital ratio) (2) | 7.90 | 9.00 | |||
| Operating income/operating expenses ratio (3) | 103.48 | 106.47 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Annual basis. | |||||
| 3 For nine months. Comparative data are annual. | |||||
| 29 | |||||