Mizrahi Tefahot Bank Ltd · TASE:MZTF
Mizrahi Tefahot Bank — Q3 2015 Earnings Presentation
15 slides from Mizrahi Tefahot Bank's earnings presentation, September 2015
Slide 1: Financial Statements September 2015
Financial Statements September 2015 Financial Statements 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 constitutes information from the bank's 2015 quarterly reports and/ or immediate reports, as well as the periodic, quarterly and ann
Slide 3: Total financing revenues from current operations
Total financing revenues from current operations 975 924 941 866 887 858 832 1Q14* 2Q14* 3Q14* 4Q14* 1Q15 2Q15 3Q15 * For comparison, 2014 data is presented excluding the effect o application of FAS 91. For full details please see Report of the Board of Directors - Profit and profitability – Evoluti
Slide 4: Increased core banking activity
Increased core banking activity Operating segments Loans to the public, net NIS mil 30.9.15 30.9.14 change in % Mortgages 99,319 90,234 10.1% Households 21,620 20,025 8.0% Private banking 904 887 1.9% Small businesses 9,805 8,572 14.4% Commercial banking 4,440 4,375 1.5% Business banking 21,898 22,6
Slide 5: Increased revenues
Increased revenues Total financing Commissions and other Operating segments revenues** revenues NIS mil NIS mil Q3/15 Q3/14 Q3/15 Q3/14 Mortgages 210 189 41 50 Households* 295 285 136 131 Private banking 17 17 14 14 Small businesses 144 131 59 59 Commercial banking 42 42 12 11 Business banking 191 1
Slide 6: Net profit - (NIS mil)
Net profit - (NIS mil) 330 307 313 316 269 248 203 Q1 Q2 Q3 Q4 Q1 Q2 Q3 2014 2015 6
Slide 7: Net profit - (NIS mil)
Net profit - (NIS mil) 889 894 1-9/2014 1-9/2015 7
Slide 8: Equity - (NIS Bil.)
Equity - (NIS Bil.) 11.6 10.6 30.9.2014 30.9.2015 8
Slide 9: Net profit - ROE - (NIS mil)
Net profit - ROE - (NIS mil) 12.7% 12.6% 12.4% 11.4% 11.5% 9.4% 7.8% Q1 Q2 Q3 Q4 Q1 Q2 Q3 2014 2015 9
Slide 10: Financing Revenues
Financing Revenues Rate of 1-9/2015 1-9/2014 change Interest revenues, net 2,714 2,529 Non-interest financing revenues 231 130 Total financing revenues 2,945 2,659 10.8 Less: Linkage differentials with respect to CPI position (35) 11 Revenues from collection of interest on troubled debt 37 56 Gain f
Slide 11: Operating commissions (NIS mil)
Operating commissions (NIS mil) 1,031 1,071 1-9/2014 1-9/2015 11
Slide 12: Cost income ratio
Cost income ratio 62.6 61.9 63.4 60.9 58.6 58.4 56.9 Q1 Q2 Q3 Q4 Q1 Q2 Q3 2014 2015 12
Slide 13: Loans to the public (NIS bil)
Loans to the public (NIS bil) 158.0 147.6 138.6 128.7 119.3 31.12.2011 31.12.2012 31.12.2013 31.12.2014 30.9.2015 13
Slide 14: Deposits from the public (NIS bil)
Deposits from the public (NIS bil) 158.1 152.4 141.2 128.1 118.9 104.6 31.12.2010 31.12.2011 31.12.2012 31.12.2013 31.12.2014 30.9.2015 14
Slide 15: Capital adequacy
Capital adequacy 12.89% 12.97% 12.76% Tier I 8.95 9.05 9.30 30.9.2014 31.12.2014 30.9.2015 15