Mizrahi Tefahot Bank Ltd · TASE:MZTF

Mizrahi Tefahot Bank — FY2013 Earnings Presentation

15 slides from Mizrahi Tefahot Bank's earnings presentation, December 2013

1. Slide 1: Financial Statements December 2013

   Financial Statements December 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) 1,200(1) 1,076 1,078 2012 2013 ((1)) Excluding g the effect of the non-recurring gpprovision for credit losses amounting g to NIS191 million due to application of the Supervisor of Banks directive with regard to housing loans 3

4. Slide 4: Net profit (NIS mil)

   Net profit (NIS mil) 295 301 280 270 251 260 252 245 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 2012 2013 4

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

   Net profit - ROE (NIS mil) (1) 12.8% 13 1% 13.1% 11.5% 2012 2013 ((1)) Excluding g the effect of the non-recurring gpprovision for credit losses amounting g to NIS191 million due to application of the Supervisor of Banks directive with regard to housing loans 5

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

   Net profit – ROE (NIS mil) 13.1% 13.3% 11.1% 10.8% Q1 Q2 Q3 Q4 2013 6

7. Slide 7: Equity (NIS bil)

   Equity (NIS bil) 9.85 8.81 7.66 7.13 6.45 31.12.2009 31.12.2010 31.12.2011 31.12.2012 31.12.2013 7

8. Slide 8: Loans to the public (NIS bil)

   Loans to the public (NIS bil) 138.6 128.7 119.3 107.0 95 2 95.2 31.12.2009 31.12.2010 31.12.2011 31.12.2012 31.12.2013 8

9. Slide 9: Deposits from the public (NIS bil)

   Deposits from the public (NIS bil) 141 141.2 2 128.1 119.2 106.0 95.0 31.12.2009 31.12.2010 31.12.2011 31.12.2012 31.12.2013 9

10. Slide 10: Total Revenues (NIS mil)

    Total Revenues (NIS mil) 4,963 4,787 4,608 4,328 2010 2011 2012 2013 10

11. Slide 11: Profit from financing operations (NIS mil)

    Profit from financing operations (NIS mil) 2013 2012 Rate of change Interest revenues, net 3,464 3,214 7.8 Non-interest financing revenues 14 95 Total financing revenues 3,478 3,309 Less: Income‫הוגן‬ ‫ואחרות‬ from ‫שווי‬collection of interest on troubled debt (17 74) (155 17) ‫ואחרות‬ ‫ הוגן‬debent

12. Slide 12: Commissions (NIS mil)

    Commissions (NIS mil) 1 1,452 452 1 1,458 458 2012 2013 12

13. Slide 13: Operating and other expenses (NIS mil)

    Operating and other expenses (NIS mil) 1,836 1,701 4.3% increase in current operating and other expenses (1) 652 683 433 438 Salaries Building & Equipment Others maintenance & depreciation 2012 2013 (1) Excluding one time expenses totaling NIS 50mil. 13

14. Slide 14: Provisions/loans to the public

    Provisions/loans to the public (Excluding mortgages) 0.68% 0 55% 0.55% 0.20% 2011 2012 2013 14

15. Slide 15: Capital adequacy – Basel II Tier I

    Capital adequacy – Basel II 13.40% 13.04% (1) (1) 9.01% 7.77% Tier I 31.12.2012 31.12.2013 (1) 1.1.2014 1 1 2014 – After application of Basel III – Tier 1 - 8.73%, 8 73% Total ratio - 12.88% 12 88% 15

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