| Information and Reporting Unit, Banking Supervision Division | 03/12/2001 | ||||
| Statement for the third quarter - consolidated | |||||
| Azmauth Mortgage and Development 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 | 16 | 0 | 1.5% | 0.1% | |
| Securities | 0 | 0 | 0.0% | 0.0% | |
| Credit to the public | 1,948 | 1,891 | 2.0% | 2.0% | |
| 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 | 5 | 5 | 2.1% | 2.3% | |
| Other assets | 4 | 7 | 1.3% | 2.5% | |
| Total assets | 1,972 | 1,903 | 2.0% | 2.0% | |
| Deposits of the public | 366 | 394 | 0.9% | 1.0% | |
| Deposits of banks | 1,387 | 1,294 | 2.9% | 2.9% | |
| Deposits of the government | 54 | 60 | 3.0% | 3.4% | |
| Bonds and subordinated notes | 11 | 10 | 0.3% | 0.3% | |
| Other liabilities | 7 | 7 | 1.7% | 1.0% | |
| Total liabilities | 1,824 | 1,765 | 1.9% | 1.9% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | 0.0% | 0.0% | |
| Equity | 148 | 138 | 2.7% | 2.7% | |
| 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 | 21.7 | 20.6 | 2.6% | 2.5% | 7.8 |
| Loan-loss provision | 5.5 | 3.0 | 2.6% | 2.2% | 2.8 |
| Operating and other income | 19.0 | 19.0 | 3.2% | 3.2% | 6.2 |
| Of which: Operating income | 18.5 | 18.5 | 3.2% | 3.2% | 6.0 |
| Operating and other expenses | 15.3 | 15.0 | 3.0% | 3.1% | 4.9 |
| Of which: Salaries and related expenses | 8.8 | 8.4 | 3.2% | 3.3% | 2.9 |
| Ordinary before-tax provision | 19.9 | 21.6 | 2.8% | 2.7% | 6.3 |
| Provision for taxes on ordinary profit | 9.7 | 9.6 | 2.8% | 2.8% | 3.2 |
| Ordinary after-tax profit | 10.2 | 12.0 | 2.7% | 2.7% | 3.1 |
| 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 | 10.2 | 12.0 | 2.8% | 2.7% | 3.1 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 10.4 | 11.0 | 2.7% | 2.6% | |
| 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 | 101 | 1,850 | 17 | 1,968 | |
| Balance of financial liabilities on balance-sheet date | 111 | 1,695 | 17 | 1,823 | |
| Excess of financial assets over financial liabilities | -10 | 155 | 0 | 145 | |
| Main financial ratios - (percent) | 30.09.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 7.52 | 7.26 | |||
| Finanancial capital/equity ratio | 97.57 | 97.10 | |||
| Equity/risk-weighted-assets ratio | 12.70 | 12.40 | |||
| Return on equity (net profit/gross weighted-capital ratio) (2) | 10.00 | 11.70 | |||
| Operating income/operating expenses ratio (3) | 124.18 | 124.38 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Annual basis. | |||||
| 3 For nine months. Comparative data are annual. | |||||
| 31 | |||||