Mizrahi Tefahot Bank Ltd · TASE:MZTF
Mizrahi Tefahot Bank — Q3 2012 Earnings Presentation
16 slides from Mizrahi Tefahot Bank's earnings presentation, Sep 30, 2012
Slide 1: Financial Statements
Financial Statements Financial Statements 30 September 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) 299 295 260 252 255 251 238 Q1 Q2 Q3 Q4 Q1 Q2 Q3 3
Slide 4: Net profit - ROE
Net profit - ROE 16.9% (1) 15.2% 14.9% 15.4% 14.5% 13.6% 13.0% Q1 Q2 Q3 Q4 Q1 Q2 Q3 4
Slide 5: Net profit – 9 months (NIS mil)
Net profit – 9 months (NIS mil) 806 745 1-9/2011 1-9/2012 5
Slide 6: Net profit – ROE - 9 months
Net profit – ROE - 9 months 14.3%* 13.5%** 1-9/2011 1-9/2012 * Tier 1 = 7.7% ** Tier 1 = 8.23% 6
Slide 7: Bank Yahav - statement of profit & loss
Bank Yahav - statement of profit & loss Q3 2012 2011 % change Interest revenues, net 105 90 16.7 Expenses with respect to credit loss 3 1 - Non-interest revenues 38 36 5.6 Operating and other expenses 96 91 5.5 Net profit 29 21 38.1 Return on equity 14.7% 11.9% 7
Slide 8: Financing revenues
Financing revenues For the Nine months ended September 30 2012 2011 % change Interest revenues, net 2,571 2,365 8.7 Non-interest financing revenues (134) (34) - Total financing revenues 2,437 2,331 4.5 One off revenues and others (75) (158) - Total financing Total financing revenues revenues from fr
Slide 9: Operating commissions (NIS mil)
Operating commissions (NIS mil) 1,115 1,085 1-9/2011 1-9/2012 9
Slide 10: Operating and other expenses (NIS mil)
Operating and other expenses (NIS mil) 1,247 1,204 455 481 319 318 Salaries Building & Equipment Others maintenance & depreciation 1-9/2011 1-9/2012 10
Slide 11: Loans to the public (NIS bil)
Loans to the public (NIS bil) 126.6 119.3 107.0 95.2 31.12.2009 31.12.2010 31.12.2011 30.9.2012 11
Slide 12: Loans to the public classified by economic sector
Loans to the public classified by economic sector 12
Slide 13: Deposits from the public (NIS bil)
Deposits from the public (NIS bil) 124.3 119.2 106.0 95.0 31.12.2009 31.12.2010 31.12.2011 30.9.2012 13
Slide 14: Provisions / loans to the public
Provisions / loans to the public 14
Slide 15: Capital adequacy – Basel II Tier I
Capital adequacy – Basel II 13.40% 13.11% Tier I 7.77% 8.23% 31.12.2011 30.9.2012 15
Slide 16: Equity (NIS bil)
Equity (NIS bil) 8.5 7.7 7.1 6.5 31.12.2009 31.12.2010 31.12.2011 30.9.2012 16