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FIBI Q2 2012 Financial Highlights: Steady Growth in Credit Portfolio and Earnings Improvement

In Q2 2012, FIBI reported continued earnings improvement from core banking activities. The credit portfolio grew, especially in consumer credit and mortgages, leading to reduced concentration indices and improved distribution. FIBI maintained a market share of 9.2% and achieved a core capital ratio of 9%, the highest in the industry. Despite market slowdowns, capital market commissions stabilized, and net earnings totaled 285 million NIS. Operating expenses decreased, contributing to a return on equity of 10.5%.

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FIBI Q2 2012 Financial Highlights: Steady Growth in Credit Portfolio and Earnings Improvement

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  1. 30/06/2012Overview

  2. Q2 Highlights • Continued improvement in earnings from financing operations from core banking activity • Continued growth of the credit portfolio, mainly in consumer credit and mortgages, as well as commercial and corporate credit - leading to a decrease in concentration indices and improved distribution; FIBI’s market share (local market): 9.2% • Core capital ratio: 9%, the highest in the industry • In Q2, capital market commissions stabilized after declines due to slowing in market activity; FIBI maintained its market share throughout • Decreased expenses (operating and other) due to fiscal restraint

  3. Net Earnings and ROE NIS Millions 285NIS Millions 281NIS Millions Note: The ROE assuming average capital industry ratio of (8.3%) in the first half of 2012 stands on 10.5%

  4. Statements of income 1-6/2012- 1-6/2011 NIS Millions

  5. Statements of income 4-6/2012- 1-3/2012 NIS Millions

  6. The Ratio of Total Income to Total Risk Assets (Return of Income on Risk Assets)

  7. 1-6/2011 1-6/2012 Operating & Other Expenses NIS Millions 38- 21- 5+ 21-

  8. Efficiency Ratio: Total Income to Operating Expenses Total Income / Operating Expenses % Total Income Ratio of Total Income to Operating Expenses Operating Expenses 1-6/2011 8

  9. Credit to the Public NIS Millions Credit to the Public by Operating Segments

  10. Ratio of Provision for problematic Debts to Credit to the Public FIBI Other 4 Leading Banks New measurement according to new B.O.I problematic Debts Regulation* *Beginning in 2011, all collection on problematic debts is shown as Expenses for credit losses instead of earnings from financing operations **The ratio of provision for credit losses to credit to public in the first half of 2012 is 0.16%.

  11. Deposits from the Public NISMillions Deposits by Segments Activity

  12. Composition of Total Proprietary Trading Book NISMillions NISMillions Government bonds & Secured by Government bonds 74% PIIGS proprietary trading book exposure NIS Millions *No significant change in the quarter

  13. FIBI Strategic Assets & Liabilities StructureNIS Millions Credit to the Public66.8 NIS Billion :Of which Corporate and Commercial 36.3 15.2Consumer 15.3 Mortgage Deposits from the Public83.0 NIS Billion Capital Adequacy Basel II 13.82% Tier 1 Capital Adequacy 9.0% • 11.07% Credit against liquid assets Deposits to Credit Ratio 124.3% State of Israel Bonds: 7.6 NIS Billion Liquid Assets to Deposits Ratio Deposits-Bank of Israel:16.4 NIS Billion Gov. & Bank Deposits 1. 5 NIS Billion 32.3% Sovereigns Bonds: 0.9 NIS Billion Deposits in Banks: 2.4 NIS Billion Capital Notes 5.4 NIS Billion Banks Bonds: 1.7 NIS Billion 39.3% NIS+foreign Corporate Bonds:0.9 NIS Billion Capital available for Investments4.1 NIS Billion Of capital available for Investments Structure Products, Hedge Funds & Stocks:0.7 NIS Billion Market Risks in VAR Terms: (0.03)NIS Billion

  14. Core Capital (Tier 1) Ratio 30.06.12- Basel II % -1.7 -1.71 1.62- 0.97- 0.75- -0.7 * ** * 14.30% 14.57% 13.42% * * ** -1.3

  15. Key Concentration Indicators *The index range moves from 0 ( full distribution) to 1 (full concentration) (Maximally inequality in the share of credit) 1 to(equality**The index range moves from 0 (full ***The index range moves from 0% (no credit meets the criterion) to 100% (all of the credit is over 40 million NIS)

  16. Bank of Israel RAROC Index Bank of Israel’s RAROC index measures the risk adjusted return in the 5 leading bank’s. The index evaluates what is the excess return that shows each bank relative to riskless assets RAROC Index

  17. Changes in Net Profit - Subsidiaries NIS Millions

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