BOI - Main data on banks


Information and Reporting Unit, Banking Supervision Division					03/12/2001
Statement for the third quarter - consolidated
The Maritime Bank of Israel 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
Summary consolidated balance sheet	30.09.2001	31.12.2000	30.09.2001	31.12.2000
Cash and deposits in banks	170	171	0.1%	0.1%
Securities	205	174	0.2%	0.2%
Credit to the public	743	748	0.1%	0.1%
Credit to the government	0	0	0.0%	0.0%
Investments in companies included on an equity basis	15	16	0.4%	0.4%
Buildings and equipment	25	28	0.3%	0.3%
Other assets	88	50	0.5%	0.4%
Total assets	1,246	1,185	0.2%	0.2%
Deposits of the public	730	725	0.1%	0.1%
Deposits of banks	143	126	0.6%	0.6%
Deposits of the government	5	7	0.0%	0.0%
Bonds and subordinated notes	20	30	0.1%	0.1%
Other liabilities	111	69	0.5%	0.4%
Total liabilities	1,009	957	0.1%	0.1%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	0	0
Equity	238	228	0.6%	0.6%

Summary consolidated 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	31.6	25.9	0.3%	0.2%	11.1
Loan-loss provision	2.0	0.8	0.1%	0.0%	1.2
Operating and other income	17.8	47.6	0.2%	0.6%	4.9
Of which: Operating income	11.5	27.9	0.2%	0.4%	2.9
Operating and other expenses	33.8	49.4	0.3%	0.4%	10.6
Of which: Salaries and related expenses	16.5	25.8	0.2%	0.3%	5.3
Ordinary before-tax provision	13.6	23.3	0.3%	0.4%	4.2
Provision for taxes on ordinary profit	2.4	4.8	0.1%	0.2%	0.7
Ordinary after-tax profit	11.2	18.5	0.6%	0.7%	3.5
Bank's share in the profit of subsidiaries	0.1	1.5			0.0
Share of minority shareholders in profit of consolidated companies	0.0	0.0			0.0
Extraordinary after-tax profit	-0.2	-1.0			0.0
Net profit	11.1	19.0	0.6%	0.6%	3.5
Profit after the effect of the difference between the known index and the "in lieu" index	11.5	18.4	0.6%	0.6%

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	386	225	585	1196
Balance of financial liabilities on balance-sheet date	470	76	459	1006
Excess of financial assets over financial liabilities	-85	149	126	190
Total indexation balance (incl.forwards and options in term of basis assets) 2	41	149	0	190

Main financial ratios - consolidated (percent)	30.09.2001	31.12.2000
Equity/balance-sheet ratio	19.08	19.26
Finanancial capital/equity ratio	79.77	76.99
Equity/risk-weighted-assets ratio	23.40	25.30
Return on equity (net profit/gross weighted-capital ratio) 3	6.54	14.66
Operating income/operating expenses ratio 4	52.66	99.22

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