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FIBI

FIBI. FIRST INTERNATIONAL BANK OF ISRAEL. O verview 30.09.12. Net Earnings and ROE NIS Millions. 10.1%. 449 NIS Millions. 291 NIS Millions. * Assuming core capital ratio of ( 8.3% ), (as the average core capital ratio of the Israeli banking industry at 30/06/2012).

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FIBI

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  1. FIBI FIRST INTERNATIONAL BANK OF ISRAEL • Overview 30.09.12

  2. Net Earnings and ROE NIS Millions 10.1% 449NIS Millions 291NIS Millions * Assuming core capital ratio of (8.3%), (as the average core capital ratio of the Israeli banking industry at 30/06/2012)

  3. Statements of income 1-9/2012- 1-9/2011 NIS Millions

  4. Statements of income 7-9/2012- 7-9/2011 NIS Millions

  5. Income from Financing Activities (before Tax) 7-9/2012 - 7-9/2011 NIS Millions

  6. Total Income to Total Weighted Risk Assets Ratio

  7. Operating & Other Expenses NIS Millions 1-6/2011 1-6/2012 8 11 9- 24-

  8. Improving Operational Efficiency Ratio (Consolidated) Total Operating Expenses to Total Income Total Operating Expenses / Total Income % Total Income Total Operating Expenses 1-9/2011 8

  9. FIBI Strategic Assets & Liabilities Structure NIS Millions Credit to the Public66.8 NIS Billion Credit to the Public66.2 NIS Billion :Of which Corporate and Commercial 34.8 15.4Consumer 16.0 Mortgage Deposits from the Public83.8 NIS Billion Capital Adequacy Basel II 14.19% Core Capital Adequacy 9.33% • 10.02% Credit against liquid assets Deposits to Credit Ratio 126.5% State of Israel Bonds: 6.5 NIS Billion Liquid Assets to Deposits Ratio Deposits-Bank of Israel:18.7 NIS Billion Gov. & Bank Deposits 1. 6 NIS Billion 34.3% Sovereigns Bonds: 1.2NIS Billion Deposits in Banks: 3.5 NIS Billion Capital Notes 5.4 NIS Billion Banks Bonds: 1.7NIS Billion 36.1% NIS+foreign Corporate Bonds:0.8NIS Billion Capital available for Investments4.4 NIS Billion Of capital available for Investments Structure Products, Hedge Funds & Stocks:0.7NIS Billion Market Risks in VAR Terms: (0.04)NIS Billion

  10. Total Assets, Deposits & Credit to the public NIS Millions Credit to the Public Public Deposits Equity Assets

  11. Credit to the Public by segments30.9.2012 NIS Millions

  12. Provision for Credit Losses to Credit to the Public Ratio FIBI Other 4 Leading Banks New measurement according to new B.O.I Regulation* *Since 2011 all collection on Doubtful debts is shown as Expenses for credit losses instead of earnings from financing operations

  13. Deposits from the Public by segments

  14. Composition of Total Proprietary Trading Book NIS Millions NISMillions Government bonds & Secured by Government bonds 71% PIIGS proprietary trading book exposure NIS Millions

  15. Core Capital Ratio 30.09.12- Basel II % -1.7 -1.71 1.62- 0.77- 0.75- -0.7 * ** * 14.30% 14.57% 13.42% 13.42% * * * * ** ** -1.3 -1.3

  16. Changes in Net Profit - Subsidiaries NIS Millions

  17. Q3 Highlights • 11% ROE at the third quarter and 10.1% ratio for the 9 month ended on September 30. • Continued increase in financing revenues from core banking activity. • Continued decrease in capital market operating commissions due to the decline in stock market activity volumes, while maintaining our share in the activity. • Continued decrease in operating expenses (including in expenses related to activity in the capital market). • Increase in revenues from bonds and shares. a relatively large positive movement in the capital reserve. • Improved profitability at subsidiaries. • Core capital ratio: 9.33%, the highest in the banking industry.

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