Mizrahi Tefahot Bank Ltd · TASE:MZTF

Mizrahi Tefahot Bank — FY2012 Earnings Presentation

15 slides from Mizrahi Tefahot Bank's earnings presentation, Dec 31, 2012

  1. Slide 1: Financial Statements 31 December 2012

    Financial Statements 31 December 2012 Financial Statements 31 December 2008 1

  2. 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

  3. Slide 3: Net profit (NIS mil)

    Net profit - (NIS mil) 1,076 1,044 2011 2012 3

  4. Slide 4: Net profit (NIS mil) by quarter

    Net profit - (NIS mil) 299 295 270 260 252 255 251 238 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 2011 2012 4

  5. Slide 5: Net profit – ROE (NIS mil)

    Net profit – ROE - (NIS mil) 14.6% 13.1% 2011 2012 5

  6. Slide 6: Net profit – ROE (NIS mil) by quarter

    Net profit – ROE - (NIS mil) 16.9% % 15.4% 13.6% 13.0% 13.1% Q4 Q1 Q2 Q3 Q4 2012 6

  7. Slide 7: Profit from financing operations (NIS mil)

    Profit from financing operations (NIS mil) 2012 2011 Rate of change Interest revenues, net 3,214 3,099 3.7 Non-interest financing revenues 95 18 - Total financing revenues 3,309 3,117 6.2 Less: Income from collection of interest on ‫ואחרות‬ troubled ‫שווי הוגן‬ debt (155 17) (100 17) 51.0 (17) Linka

  8. Slide 8: Operating and other income (NIS mil)

    Operating and other income (NIS mil) 1,474 , 1 452 1,452 18 95 17 26 Operating commissions Non-interest financing Other income revenues 2011 2012 8

  9. Slide 9: Operating and other expenses (NIS mil)

    Operating and other expenses (NIS mil) 1,615 , 1,701 4 5% increase in operating and other expenses 4.5% 608 652 444 433 Salaries Building & Equipment Others maintenance & depreciation 2011 2012 9

  10. Slide 10: Cost/income ratio

    Cost/income ratio 2011 2012 Cost Income Ratio 57.9% 58.2% 10

  11. Slide 11: Loans to the public (NIS bil)

    Loans to the public (NIS bil) 128.7 119.3 107 0 107.0 95.2 88 9 88.9 31.12.2008 31.12.2009 31.12.2010 31.12.2011 31.12.2012 11

  12. Slide 12: Deposits from the public (NIS bil)

    Deposits from the public (NIS bil) 128.5 119.2 106.0 95.0 91.8 31.12.2008 31.12.2009 31.12.2010 31.12.2011 31.12.2012 12

  13. Slide 13: Provisions/loans to the public

    Provisions/loans to the public 13

  14. Slide 14: Capital adequacy – Basel II

    Capital adequacy – Basel II 13.40% 13.35% Tier I 7.77% 8.55% 31.12.2011 31.12.2012 14

  15. Slide 15: Equity (NIS bil)

    Equity (NIS bil) 8.81 7.66 7.13 6.45 5 78 5.78 31.12.2008 31.12.2009 31.12.2010 31.12.2011 31.12.2012 15

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