Mizrahi Tefahot Bank Ltd · TASE:MZTF
Mizrahi Tefahot Bank — H1 2012 Earnings Presentation
16 slides from Mizrahi Tefahot Bank's earnings presentation, Jun 30, 2012
Slide 1: Financial Statements
Financial Statements Financial Statements 30 June 2012 31 December 2008 1
Slide 2: Disclaimer
Disclaimer This document has been prepared by Mizrahi-Tefahot Bank Ltd (UMTB) solely for use at the company’s presentation. The information contained in this document has not been independently verified. No representation or warranty express or implied is made as to, and no reliance should be placed
Slide 3: Net Profit (NIS mil)
Net Profit (NIS mil) 299 295 252 255 251 238 Q1 Q2 Q3 Q4 Q1 Q2 3
Slide 4: Net Profit - Return on Equity
Net Profit - Return on Equity 16.9% (1) 15.2% 14.9% 15.4% 14.5% 13 6% 13.6% Q1 Q2 Q3 Q4 Q1 Q2 4
Slide 5: Financing Revenues
Financing Revenues H1 2011 2012 % change Interest revenues, net 1,474 1,650 11.9 Non-interest financing revenues 14 (15) - Total financing revenues 1,488 1,635 9.9 One off revenues and others (92) (86) - Total financing revenues from current 1,396 1,549 11.0 operations 5
Slide 6: Non Interest Revenues (NIS mil)
Non Interest Revenues (NIS mil) 770 705 H1 - 2011 H1 - 2012 6
Slide 7: Operating and Other Expenses (NIS mil)
Operating and Other Expenses (NIS mil) 815 842 300 318 213 210 Salaries Building & Equipment Others maintenance & depreciation H1 - 2011 H1 - 2011 7
Slide 8: Bank Yahav - Statement of Profit & Loss
Bank Yahav - Statement of Profit & Loss Q2 H1 2012 2011 % change 2012 2011 % change Interest revenues, net 102 91 12.1 197 166 18.7 Expenses with respect to 4 3 33.0 7 9 (33.0) credit loss Non-interest revenues 38 36 5.5 73 76 (4.0) Operating and other 95 89 67 6.7 186 177 50 5.0 expenses Net profit
Slide 9: Cost Income Ratio
Cost Income Ratio 74.6% 76 2% 76.2% 66.4% 60.3% 60.9% 60 9% 56 1% 56.1% Mizrahi-Tefahot Mizrahi-Tefahot Poalim Leumi Benleumi Discount Q2 - 2012 Q1 - 2012 9
Slide 10: Loans to the Public (NIS bil)
Loans to the Public (NIS bil) 123.4 119.3 107 0 107.0 95.2 31.12.2009 31.12.2010 31.12.2011 30.6.2011 10
Slide 11: Loans to the Public Classified by Economic Sector
Loans to the Public Classified by Economic Sector 11
Slide 12: Deposits from the Public (NIS bil)
Deposits from the Public (NIS bil) 119.2 122 3 122.3 106.0 95.0 31.12.2009 31.12.2010 31.12.2011 30.6.2012 12
Slide 13: Provisions / Loans to the Public
Provisions / Loans to the Public 13
Slide 14: Provision / Loans to the public
Provision / Loans to the public Excluding mortgages Mortgages 14
Slide 15: Capital Adequacy – Basel II Tier I
Capital Adequacy – Basel II 13.40% 12.93% Tier I 7.77% 8 03% 8.03% 31.12.2011 30.6.2012 15
Slide 16: Equity (NIS bil)
Equity (NIS bil) 8.2 7.7 7 1 7.1 6.5 31.12.2009 31.12.2010 31.12.2011 30.6.12 16