Mizrahi Tefahot Bank Ltd · TASE:MZTF
Mizrahi Tefahot Bank — Q3 2013 Earnings Presentation
12 slides from Mizrahi Tefahot Bank's earnings presentation, Sep 30, 2013
Slide 1: Financial Statements 30 September 2013
Financial Statements 30 September 2013 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 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) 2012 2013 3
Slide 4: Equity (NIS bil)
Equity (NIS bil) 31.12.2012 1-9/2013 4
Slide 5: Net profit – ROE (NIS mil)
Net profit – ROE - (NIS mil) 1-9/2012 1-9/2013 5
Slide 6: Operating commissions (NIS mil)
Operating commissions (NIS mil) 1-9/2012 1-9/2013 6
Slide 7: Operating and other expenses (NIS mil)
Operating and other expenses (NIS mil) Salaries Building & Equipment Others 1-9/2012 1 9/2012 1-9/2013 1 9/2013 7
Slide 8: Cost/income Ratio
Cost/income Ratio 57.8% 57.7% 1-9/2012 1-9/2013 8
Slide 9: Loans to the public (NIS bil)
Loans to the public (NIS bil) 136.7 128.7 119.3 107.0 95.2 31.12.2009 31.12.2010 31.12.2011 31.12.2012 30.9.2013 9
Slide 10: Deposits from the public (NIS bil)
Deposits from the public (NIS bil) 136.0 128.5 119.2 107.0 95.0 31.12.2009 31.12.2010 31.12.2011 31.12.2012 30.9.2013 10
Slide 11: Provisions/loans to the public
Provisions/loans to the public (1) 0.55% 0.37% 0.22% 0 20% 0.20% 0.15% 0.15% 0.10% Q1 Q2 Q3 Q4 Q1 Q2 Q3 2012 2013 (1) Including a non-recurring provision for credit losses amounting to NIS 191 million due to implementation of the Supervisor of Banks' directive regarding housing loans. 11
Slide 12: Capital adequacy – Basel II Tier I
Capital adequacy – Basel II 13.35% (1) 12.96% 8.55% 8.84%(1) Tier I 31.12.2012 30.9.2013 (1) After deduction of distributed dividend amounting to NIS 75 million 12