| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Discount Mortgage Bank 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 | 90 | 21 | 8.5% | 7.6% | |
| Securities | 1 | 1 | 2.4% | 1.7% | |
| Credit to the public | 8,436 | 8,355 | 8.5% | 8.8% | |
| 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 | 12 | 14 | 5.2% | 5.9% | |
| Other assets | 16 | 10 | 5.1% | 3.8% | |
| Total assets | 8,555 | 8,401 | 8.5% | 8.8% | |
| Deposits of the public | 2,805 | 3,006 | 6.7% | 7.3% | |
| Deposits of banks | 4,628 | 4,359 | 9.7% | 9.9% | |
| Deposits of the government | 54 | 59 | 3.0% | 3.3% | |
| Bonds and subordinated notes | 316 | 248 | 8.8% | 7.5% | |
| Other liabilities | 37 | 40 | 9.2% | 6.3% | |
| Total liabilities | 7,840 | 7,712 | 8.2% | 8.5% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | 0.0% | 0.0% | |
| Equity | 715 | 689 | 13.2% | 13.6% | |
| 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 | 92.0 | 102.0 | 11.0% | 12.5% | 32.0 |
| Loan-loss provision | 37.0 | 19.0 | 17.4% | 14.1% | 22.0 |
| Operating and other income | 42.0 | 44.0 | 7.0% | 7.5% | 14.0 |
| Of which: Operating income | 42.0 | 44.0 | 7.2% | 7.7% | 14.0 |
| Operating and other expenses | 41.0 | 44.0 | 8.0% | 9.2% | 14.0 |
| Of which: Salaries and related expenses | 21.0 | 22.0 | 7.6% | 8.6% | 7.0 |
| Ordinary before-tax provision | 56.0 | 83.0 | 7.8% | 10.5% | 10.0 |
| Provision for taxes on ordinary profit | 30.0 | 33.0 | 8.7% | 9.6% | 8.0 |
| Ordinary after-tax profit | 26.0 | 50.0 | 7.0% | 11.3% | 2.0 |
| 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 | 26.0 | 50.0 | 7.0% | 11.2% | 2.0 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 28.0 | 46.0 | 7.3% | 11.0% | |
| 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 | 504 | 7,741 | 298 | 8,543 | |
| Balance of financial liabilities on balance-sheet date | 366 | 7,178 | 293 | 7,837 | |
| Excess of financial assets over financial liabilities | 138 | 563 | 5 | 706 | |
| Main financial ratios - (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 8.36 | 8.20 | |||
| Finanancial capital/equity ratio | 98.74 | 98.40 | |||
| Equity/risk-weighted-assets ratio | 13.30 | 12.50 | |||
| Return on equity (net profit/gross weighted-capital ratio) (2) | 5.10 | 9.60 | |||
| Operating income/operating expenses ratio (3) | 102.44 | 96.72 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Annual basis. | |||||
| 3 For nine months. Comparative data are annual. | |||||
| 30 | |||||