| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| The First International 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 | 1 | 9 | 0.1% | 3.1% | |
| Securities | 0 | 0 | 0.0% | 0.0% | |
| Credit to the public | 7,141 | 6,711 | 7.2% | 7.1% | |
| Credit to the government | 0 | 0 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 0 | 1 | 100.0% | 100.0% | |
| Buildings and equipment | 14 | 15 | 6.0% | 6.4% | |
| Other assets | 9 | 13 | 2.9% | 4.9% | |
| Total assets | 7,165 | 6,748 | 7.1% | 7.0% | |
| Deposits of the public | 1,258 | 1,353 | 3.0% | 3.3% | |
| Deposits of banks | 5,137 | 4,639 | 10.7% | 10.5% | |
| Deposits of the government | 126 | 136 | 7.1% | 7.7% | |
| Bonds and subordinated notes | 160 | 166 | 4.5% | 5.0% | |
| Other liabilities | 16 | 14 | 4.0% | 2.2% | |
| Total liabilities | 6,697 | 6,308 | 7.0% | 7.0% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 22 | 25 | 0.0% | 0.0% | |
| Equity | 446 | 414 | 8.2% | 8.2% | |
| 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 | 67.3 | 65.8 | 8.0% | 8.1% | 23.3 |
| Loan-loss provision | 7.9 | 5.3 | 3.7% | 3.9% | 4.4 |
| Operating and other income | 38.6 | 37.8 | 6.4% | 6.4% | 12.9 |
| Of which: Operating income | 35.7 | 34.7 | 6.1% | 6.1% | 11.9 |
| Operating and other expenses | 33.4 | 30.3 | 6.5% | 6.3% | 11.5 |
| Of which: Salaries and related expenses | 15.8 | 15.3 | 5.7% | 6.0% | 5.1 |
| Ordinary before-tax provision | 64.6 | 68.0 | 9.0% | 8.6% | 20.3 |
| Provision for taxes on ordinary profit | 31.4 | 30.4 | 9.1% | 8.8% | 10.1 |
| Ordinary after-tax profit | 33.2 | 37.6 | 8.9% | 8.5% | 10.2 |
| Bank's share in the profit of subsidiaries | 0.0 | 0.0 | 0.0 | ||
| Share of minority shareholders in profit of consolidated companies | -1.7 | -2.2 | -0.5 | ||
| Extraordinary after-tax profit | 0.0 | 2.4 | 0.0 | ||
| Net profit | 31.5 | 37.8 | 8.5% | 8.5% | 9.7 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 32.4 | 35.2 | 8.4% | 8.4% | |
| 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 | 510 | 6,544 | 96 | 7,149 | |
| Balance of financial liabilities on balance-sheet date | 579 | 6,018 | 98 | 6,695 | |
| Excess of financial assets over financial liabilities | -69 | 525 | -2 | 454 | |
| Main financial ratios - consolidated (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 6.22 | 6.14 | |||
| Finanancial capital/equity ratio | 101.79 | 102.22 | |||
| Equity/risk-weighted-assets ratio | 11.40 | 11.70 | |||
| Return on equity (net profit/gross weighted-capital ratio) (2) | 10.30 | 12.60 | |||
| Operating income/operating expenses ratio (3) | 115.57 | 124.38 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Annual basis. | |||||
| 3 For nine months. Comparative data are annual. | |||||
| 28 | |||||