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30/ 06 /201 2 Overview

30/ 06 /201 2 Overview

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30/ 06 /201 2 Overview

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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