Mizrahi Tefahot Bank Ltd · TASE:MZTF

Mizrahi Tefahot Bank — Q1 2013 Earnings Presentation

13 slides from Mizrahi Tefahot Bank's earnings presentation, Mar 31, 2013

1. Slide 1: Financial Statements 31 March 2013

   Financial Statements 31 March 2013 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) 295 280 270 260 251 Q1 Q2 Q3 Q4 Q1 2012 2013 3

4. Slide 4: Equity (NIS bil)

   Equity (NIS bil) 9.10 8.81 31.12.2012 31.3.2013 4

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

   Net profit – ROE - (NIS mil) 13.6% 13.1% Q1-2012 Q1-2013 5

6. Slide 6: Financing revenues (NIS mil)

   Financing revenues (NIS mil) Q1-2013 Q1-2012 Rate of change (%) Interest revenues, net 802 787 1.9 Non-interest financing revenues 33 (1) - Total financing revenues 3,309 3,117 6.2 Less: Income from collection of interest on ‫ואחרות‬ troubled ‫שווי הוגן‬ debt (17 16) (17 44) (17-) Linkage g differen

7. Slide 7: Non interest revenues (NIS mil)

   Non interest revenues (NIS mil) 359 368 33 -1 6 5 Operating commissions Non-interest financing Other income revenues Q1-2012 Q1 2012 Q1-2013 Q1 2013 7

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

   Operating and other expenses (NIS mil) 434 445 3 3% increase in operating and other expenses 3.3% 158 166 102 106 Salaries Building & Equipment Others maintenance & depreciation Q1-2012 Q 0 Q1-2013 Q 0 3 8

9. Slide 9: Cost/income ratio

   Cost/income ratio Q1-2012 Q1-2013 Cost Income Ratio 60.3% 59.4% 9

10. Slide 10: Loans to the public (NIS bil)

    Loans to the public (NIS bil) 128.7 130.8 119.3 107 0 107.0 95.2 31.12.2009 31.12.2010 31.12.2011 31.12.2012 31.3.2013 10

11. Slide 11: Deposits from the public (NIS bil)

    Deposits from the public (NIS bil) 128.5 130.4 119.2 106.0 95.0 31.12.2009 31.12.2010 31.12.2011 31.12.2012 31.3.2013 11

12. Slide 12: Provisions/loans to the public

    Provisions/loans to the public 12

13. Slide 13: Capital adequacy – Basel II Tier I

    Capital adequacy – Basel II 13.35% 13.25% 8.71% Tier I 8.55% 31.12.2012 31.3.2013 13

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