| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| "Tefahot" Israel Mortgage Bank 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 | 51 | 34 | 4.8% | 12.3% | |
| Securities | 39 | 56 | 95.1% | 96.6% | |
| Credit to the public | 29,198 | 27,769 | 29.5% | 29.3% | |
| Credit to the government | 4 | 5 | 100.0% | 100.0% | |
| Investments in companies included on an equity basis | 0 | 0 | 0.0% | 0.0% | |
| Buildings and equipment | 71 | 74 | 30.9% | 31.4% | |
| Other assets | 51 | 56 | 16.4% | 21.5% | |
| Total assets | 29,414 | 27,994 | 29.2% | 29.2% | |
| Deposits of the public | 18,218 | 17,772 | 43.7% | 43.3% | |
| Deposits of banks | 8,071 | 7,161 | 16.9% | 16.3% | |
| Deposits of the government | 197 | 230 | 11.1% | 13.1% | |
| Bonds and subordinated notes | 1,156 | 1,034 | 32.1% | 31.4% | |
| Other liabilities | 152 | 321 | 37.7% | 50.8% | |
| Total liabilities | 27,794 | 26,518 | 29.2% | 29.2% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | 0.0% | 0.0% | |
| Equity | 1,620 | 1,476 | 29.8% | 29.1% | |
| 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 | 280.0 | 279.0 | 33.4% | 34.3% | 96.0 |
| Loan-loss provision | 61.0 | 67.0 | 28.8% | 49.6% | 26.0 |
| Operating and other income | 231.0 | 228.0 | 38.4% | 38.7% | 79.0 |
| Of which: Operating income | 220.0 | 216.0 | 37.5% | 37.7% | 75.0 |
| Operating and other expenses | 171.0 | 176.0 | 33.4% | 36.8% | 59.0 |
| Of which: Salaries and related expenses | 102.0 | 104.0 | 36.7% | 40.5% | 36.0 |
| Ordinary before-tax provision | 279.0 | 264.0 | 38.9% | 33.5% | 90.0 |
| Provision for taxes on ordinary profit | 134.0 | 117.0 | 38.9% | 34.0% | 44.0 |
| Ordinary after-tax profit | 145.0 | 147.0 | 38.9% | 33.1% | 46.0 |
| 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 | 145.0 | 147.0 | 39.1% | 33.1% | 46.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 150.0 | 139.0 | 39.0% | 33.3% | |
| 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 | 1,915 | 26,668 | 759 | 29,342 | |
| Balance of financial liabilities on balance-sheet date | 2,029 | 24,990 | 754 | 27,773 | |
| Excess of financial assets over financial liabilities | -114 | 1,678 | 5 | 1,569 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.51 | 5.27 | |||
| Finanancial capital/equity ratio | 96.85 | 96.48 | |||
| Equity/risk-weighted-assets ratio | 9.90 | 9.60 | |||
| Return on equity (net profit/gross weighted-capital ratio) (2) | 13.30 | 13.25 | |||
| Operating income/operating expenses ratio (3) | 135.09 | 126.56 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Annual basis. | |||||
| 3 For nine months. Comparative data are annual. | |||||
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