Information and Reporing Unit, Banking Supervision Division 09/09/2002
Statement for the second quarter - bank
Kupat Haoved Haleumi Leashrai Vehisachon Benetanya Ltd., Main data, NIS million
Taken from the quarterly report to 30.06.2002. Adjusted to the CPI for  06.2002.
Summary consolidated balance sheet 30.06.2002 31.12.2001 Bank's share of the banking system
30.06.2002 31.12.2001
Cash and deposits in banks 58 66 0.1% 0.1%
Securities 11 9 0.0% 0.0%
Credit to the public 20 20 0.0% 0.0%
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 0 0 0.0% 0.0%
Other assets 1 0 0.0% 0.0%
Total assets 90 96 0.0% 0.0%
Deposits of the public 86 91 0.0% 0.0%
Deposits of banks 0 0 0.0% 0.0%
Deposits of the government 0 0 0.0% 0.0%
Bonds and subordinated notes 0 0 0.0% 0.0%
Other liabilities 0 0 0.0% 0.0%
Total liabilities 86 91 0.0% 0.0%
Quasi-capital items 0 0 0.0% 0.0%
Equity 5 5 0.0% 0.0%
Summary consolidated profit and loss statement Six months to Bank's share of the banking system Three months to
Six months to
30.06.2002 30.06.2001 30.06.2002 30.06.2001 30.06.2002
Net interest profit before loan-loss provision 1.3 1.6 0.0% 0.0% 0.6
Loan-loss provision 0.2 0.1 0.0% 0.0% 0.1
Operating and other income 0.6 0.6 0.0% 0.0% 0.3
Of which: Operating income 0.6 0.5 0.0% 0.0% 0.3
Operating and other expenses 1.8 1.8 0.0% 0.0% 0.9
Of which: Salaries and related expenses 0.9 1.0 0.0% 0.0% 0.4
Ordinary before-tax provision -0.1 0.3 0.0% 0.0% -0.1
Provision for taxes on ordinary profit 0.0 0.2 0.0% 0.0% 0.0
Ordinary after-tax profit -0.2 0.1 0.0% 0.0% -0.1
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
Extraordinary after-tax profit 0.0 0.0     0.0
Net profit -0.2 0.1 0.0% 0.0% -0.1
Profit after the effect of the difference between the known index and the "in lieu" index -0.2 0.1 0.0% 0.0%  
Balances and rates of return on financial items by indexation base on 30.06.2002 Unindexed NIS CPI-indexed  NIS Foreign Currency (1) Total financial items
Balance of financial assets on balance-sheet date 80 11 0 90
Balance of financial liabilities on balance-sheet date 76 10 0 86
Excess of financial assets over financial liabilities 4 1 0 4
Total indexation balance (incl.forwards and options in term of basis assets) 2 4 1 0 4
Rate of income on assets (percent) 3 -5.69 1.94 0.00 -4.86
Rate of expenditure on liabilities (percent) 3 8.84 -0.43 0.00 7.83
Interest-rate differential 3.14 1.51 0.00 2.98
Problem borrowers 30.06.2002 31.12.2001
Total credit risk dew to problem borrowers 4 5
Total credit  to problem borrowers 4 5
Main financial ratios - consolidated (percent) 30.06.2002 31.12.2001
Equity/balance-sheet ratio 5.11 5.01
Finanancial capital/equity ratio 94.79 96.52
Equity/risk-weighted-assets ratio 27.89 27.55
Return on equity (net profit/gross weighted-capital ratio) 4 -7.40 2.47
Operating income/operating expenses ratio 5 34.20 33.79
1 Including foreign-currency indexed NIS.          
2 Forwards transactions.
3 Six-month rate of income (expenses), on annual basis including ALM derivatives.
4 Annual basis.
5 For six months. Comparative data are annual.
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