Скачать презентацию 31 03 2012 Overview Net Operating Earnings and ROE Скачать презентацию 31 03 2012 Overview Net Operating Earnings and ROE

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31/03/2012 Overview 31/03/2012 Overview

Net Operating Earnings and ROE NIS Millions 2 Net Operating Earnings and ROE NIS Millions 2

Statements of income I/2012 - I/2011 NIS Millions I/2012 I/2011 Gross change The net Statements of income I/2012 - I/2011 NIS Millions I/2012 I/2011 Gross change The net change 535 515 20 15 31 (36) 67 44 Net interest income after expenses for credit losses 504 551 (47) (30) Total non-interest income 403 480 (77) (50) 56 85 (29) (19) 343 388 (45) (29) 4 7 (3) (2) Total operating and other expenses 700 740 (40) (26) Of which: salaries and related expenses (including losses appointed time compensation) 418 447 (29) (18) Holding and depreciation on buildings and equipment 111 109 2 1 41 40 1 1 Other expenses 130 144 (14) (10) Profit before tax 207 291 (84) (54) Provision for taxes on income 73 120 Bank’s share of profit of associates 13 15 (2) 142 181 (39) 9. 9% 13. 5% 8. 81% 8. 11% Net interest income Expenses (income) for credit losses (0. 19% provision rate) Of which: income (expenses) non-interest* Commissions (decrease stems mainly from decreses in customers activity in the capital markets) Other Income Amortization and impairment of intangible assets Net earnings ROE Core (Tier 1) capital ratio (end of period) 3

Operating & Other Expenses (NIS Millions) I/2011 I/2012 40 - 29 - 14 - Operating & Other Expenses (NIS Millions) I/2011 I/2012 40 - 29 - 14 - 2+ 4

Efficiency Ratio: Total Income to Total Expenses Total income Operating Expenses Adjusted Operating Expenses Efficiency Ratio: Total Income to Total Expenses Total income Operating Expenses Adjusted Operating Expenses / Total Income * % Total income operating expenses Operating Expenses / Total Income *Expenses excluding severance pay fund effects, special provisions ; Net interest income excluding gains/losses from sale and writedown of available for sale bonds, hedging of volatility in provision for taxes , interest income charged on problem loans and effect of reconciliations to fair value of ALM derivatives ; Operating income excluding dividend, realization or decline in value of shares and severance pay fund gains. % 5

FIBI Strategic Assets & liabilities structure NIS Millions Capital Adequacy Basel II 13. 58% FIBI Strategic Assets & liabilities structure NIS Millions Capital Adequacy Basel II 13. 58% Tier 1 Capital Adequacy 8. 81% Deposits from the Public 81. 7 NIS Billion 123. 7% 32. 3% 66. 1 NIS Billion 36. 2 מזה: עסקי ומסחרי 15. 1 צרכני 14. 8 משכנתאות 11. 04% , מסך האשראי כנגד נכסים נזילים Deposits to Credit Ratio Liquid Assets to Deposits Ratio Credit to the Public State of Israel Bonds: 8. 5 NIS Billion Gov. & Bank Deposits 1. 75 NIS Billion Deposits-Bank of Israel: 15. 5 NIS Billion Sovereigns Bonds: 0. 75 NIS Billion 42. 1% Of capital available for Investments Capital Notes 5. 16 NIS Billion Deposits in Banks: 2. 4 NIS Billion Capital available for Investments 4. 0 NIS Billion NIS+foreign Corporate Bonds: 0. 9 NIS Billion Banks Bonds: 1. 64 NIS Billion Structure Products, Hedge Funds & Stocks: 0. 8 NIS Billion Market Risks in VAR Terms: (0. 03) NIS Billion 6

Total Assets, Deposits & Credit NIS Billions Assets Equity Credit to the public Public Total Assets, Deposits & Credit NIS Billions Assets Equity Credit to the public Public Deposits 7

Credit to the public NIS Millions Development of the annual average in consumer credit Credit to the public NIS Millions Development of the annual average in consumer credit (annual average) Credit to the public by operating segments Change in % compared to 31. 03. 11 31. 12. 11 31. 03. 12 Total 29, 477 private clients 6. 6% 2. 0% 27, 659 28, 912 7. 5% Development of housing credit portfolio (end of period) 1. 0% 13, 806 14, 702 14, 847 6. 3% Of which: Mortgage Commercial (0. 2%) 12, 561 13, 387 13, 357 + small business 0. 9% 4. 5% 8 2. 5% 1. 7% 23, 031 22, 679 23, 238 63, 251 64, 978 business Total 66, 073 Credit to the public

The average asset mix of the dominant group is personal and private sectors I/2012 The average asset mix of the dominant group is personal and private sectors I/2012 2006 Personal and private sectors (including mortgages) are 45. 9% in I/2012 from the total assets. compared to 43. 3% in I/2011, and to 30. 5% 2006. 9

Breakdown of credit for problem debts NIS Millions 31. 03. 12 Change compared to Breakdown of credit for problem debts NIS Millions 31. 03. 12 Change compared to 31. 12. 11 31. 03. 12 Total (217) 1, 445 1, 228 42 432 474 Low credit risk (35) 1, 029 994 Credit risk under special supervision (210) 10 Total 2, 906 2, 696 Total credit risk problem Damaged credit risk

Provision for Doubtful Debts to Credit to the Public Ratio Other 4 Leading Banks Provision for Doubtful Debts to Credit to the Public Ratio Other 4 Leading Banks FIBI *Beginning in 2011, all collection on problem debts is shown as Expenses for credit losses instead of earnings from financing operations 11

Composition of Total Proprietary Trading Book NIS Millions Volume I/2012 Volume IV/2011 Composition I/2012 Composition of Total Proprietary Trading Book NIS Millions Volume I/2012 Volume IV/2011 Composition I/2012 Composition IV/2011 9, 265 9, 259 75% 78% 92% 91% 1, 659 1, 242 14% 10% Shares 542 556 4% 5% Other 881 815 7% 7% Of which: Fx Corporate Bonds 180 137 Of which: NIS Corporate Bonds 701 678 12, 347 11, 872 100% NIS Millions Government bonds & Secured by Government bonds State of Israel bonds Commercial Banks bonds Government bonds & Secured by Government bonds 75% Total PIIGS proprietary trading book exposure NIS Millions Total Spain Italy 86 78 Portugal 0 Greece Ireland 0 0 12

Capital Adequacy Ratio Basel II % Core capital adequacy target in accordance with the Capital Adequacy Ratio Basel II % Core capital adequacy target in accordance with the commissioner of banks -1. 8 -0. 8 -1. 8 1. 721. 06 - 0. 75 - 0. 19 FIBI * * ** 14. 30% 4 top Banks in Israel Tier 1 Tier 2 14. 57% 13. 42% * * ** -1. 3 13

Changes in Net Profit - Subsidiaries NIS Millions I/2012 Percent change relative to I/2011 Changes in Net Profit - Subsidiaries NIS Millions I/2012 Percent change relative to I/2011 ROE Core (Tier 1) capital ratio 23. 4 9. 9% 10. 6% 8. 77% 12. 6 (24. 1%) 11. 9% 14. 5% 10. 9 14. 7% 13. 1% 12. 4% 10. 3 8. 4% 11. 3% 13. 59% 14