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Israel Discount Bank Limited |
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The Discount Group is comprised of commercial banks and financial services companies, active in credit cards, investment banking, portfolio management and trustee services. Together with Mercantile Discount Bank, the Group operates over 200 branches throughout Israel, servicing the retail and corporate sectors.
Abroad, the bank operates through a network of subsidiaries, branches and representative offices in North America, Europe and Latin America, with a focus on commercial and private banking. Israel Discount Bank New York (IDBNY) is the largest Israeli-owned bank operating outside of Israel.
In terms of corporate, social and environmental responsibility, Discount Bank is among the leading Israeli corporates and is recognized among the top ten companies by the Maala Business for Social Responsibility Index. The bank is also included in the FTSE4GOOD Index and in the UN Global Compact.
Discount Bank is a member of the Tel-Aviv Stock Exchange (TASE: DSCT). Controlling Shareholders constitute 25%, with 75% of the shares held by the Public.
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Three Months Ended
December 31 |
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Income Statement Data ($m) |
2012 |
2011 |
| Interest Revenues, Net* |
218 |
229 |
| Non-Interest Revenues |
210 |
184 |
| Pretax Income |
59 |
21 |
| Net Income |
45 |
59 |
| Diluted Earnings Per Share ($) |
0.04 |
0.06 |
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*after provision for credit losses
The Bank adopted the directive of the Supervisor of Banks concerning the format for statements of profit and loss of banking corporations for the first time on January 1, 2012.
Data translated at the NIS/$ exchange rate of 12/31/12 |
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Year Ended December 31 |
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Income Statement Data ($m) |
2012 |
2011 |
2010 |
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| Interest Revenues, Net* |
1,000 |
1,028 |
999 |
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Non-Interest Revenues |
872 |
787 |
803 |
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| Pretax Income |
312 |
249 |
286 |
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| Net Income |
215 |
227 |
185 |
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| Diluted Earnings Per Share ($) |
0.20 |
0.21 |
0.18 |
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*after provision for credit losses
The Bank adopted the directive of the Supervisor of Banks concerning the format for statements of profit and loss of banking corporations for the first time on January 1, 2012.
Data translated at the NIS/$ exchange rate of 12/31/12 |
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| Balance Sheet Data ($m) |
12/31/12 |
12/31/11 |
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Cash & Equivalents |
6,456 |
8,125 |
| Net Loans |
31,506 |
31,177 |
| Total Assets |
53,812 |
54,238 |
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Total Equity |
3,250 |
2,952 |
| Data translated at the NIS/$ exchange rate of 12/31/12 |
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| Key Financial Ratios |
12/31/12 |
12/31/11 |
| Loans/Deposits |
77.4% |
75.9% |
| Avg. Total Equity/Avg. Assets |
7.1% |
5.7% |
| Return on Equity |
5.7% |
8.2% |
| Return on Assets |
0.4% |
0.4% |
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| Business Summary |
12/31/12 |
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Overall Credit
Risk to the Public |
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| Households |
30% |
| Construction & real estate |
17% |
| Industry |
13% |
| Commerce |
10% |
| Financial and business services |
9% |
| Public and community services |
8% |
| Other business services |
5% |
| Other |
8% |
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| Dividend Policy |
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The Bank's Management believes that it would not be possible to distribute a dividend in 2013. |
| Main Shareholders (Mar. 27, 2013) |
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| Treetops Acquisition Group LP |
15.1% |
| Treetops Acquisition Group II LP |
10.1% |
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Credit Cards Israel Credit Cards ICC (a company under the Bank's control) issues, markets and supports credit cards - VISA , Diners and MasterCard, which are valid in Israel and abroad. |
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Capital Markets Capital market operations include securities activity (excluding activity for the Bank’s own account), portfolio management and pension products. |
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Construction and Real Estate These operations include customers of the Bank’s various divisions operating in the construction and real estate sector. |
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Mortgage Activity - Housing Loans This includes the mortgage operations of the Discount Group in Israel (Mercantile Discount Bank and Discount Mortgage Bank - merged with and into the bank in June 2012). This segment includes the granting of loans for housing purposes (purchase, construction etc.) and the granting of loans for any purpose secured by a mortgage on a residential apartment or other property. |
Israel Discount Bank Q1/2013 Results Conference Call - Thursday, 30th May, 2013 at 16.00 (Israel) More Info
Israel Discount Bank (TASE: DSCT) Q4 and Annual 2012 Financial Results Conference Call Wednesday, 20th March, 2013 at 16.00 (Israel); 14.00(UK); 09.00(EST) More Info
Israel Discount Bank (TASE: DSCT) Q3 2012 Financial Results Conference Call Thursday, 29th November, 2012 at 14.00 (Israel); 12.00 (UK); 07.00 (EST) More Info
Israel Discount Bank (TASE: DSCT) Q2 2012 Financial Results Conference Call Thursday, 30th August, 2012 at 14.00 (Israel); 12.00(UK); 07.00(EST) More Info
All Announcements
Reuven Spiegel told striking workers: The bank cannot increase its salary cost disproportionately to the bank's income. More Info
Mientkavich claimed NIS 17 million, which he said was the salary owed him as chairman of the bank in 1997-2006. More Info
Discount Bank said that excluding provision for impairment of its investment in First International Bank profit would have risen 3.3%. More Info
Israel Discount Bank rose strongly following "Globes" report yesterday that Bank Hapoalim is in talks to buy Discount Bank of New York. More Info
Israel Discount Bank is in advanced talks to buy a 5% stake of the retail pharmacy chain for NIS 70 million. More Info
Bank Hapoalim has received a preliminary permit from the US Supervision Authority for State Banks to acquire Discount Bank of New York. More Info
Israel Discount Bank will ask $830 million for the bank; first refusal will be given to Israeli banks. More Info
Discount Bank will not eliminate its fast banking service, but it will become based solely on ATMs. More Info
Discount Bank's capital adequacy ratio rose to 14.1% at the end of June from 13.3% at the end of December. More Info
Discount Bank is reportedly heading a syndicate that will provide NIS 600 million in credit. More Info
Die Israel Discount Bank ist eine der führenden Finanzgruppen in Israel. Mit ihrer landesweiten Reichweite und ihrer starken sowie wachsenden innerländischen Lizenzvergabe bietet die Discount Bank ihren Kunden sowohl in Israel als auch in den wichtigsten Finanzzentren das komplette Spektrum an Finanzprodukten und services für Firmen und Privatkunden.
In Israel besteht die Discount Group aus Geschäftsbanken und Finanzserviceunternehmen mit Aktivitäten im Bereich Kreditkarten, Investmentbanking, Portfoliomanagement und Treuhanddienstleistungen. Zusammen mit der Mercantile Discount Bank betreibt die Gruppe über 200 Geschäftsstellen im gesamten Land mit der Versorgung aller Einzelhandels- und Firmensektoren.
Im Ausland ist die Bank über ein Netzwerk an Tochterunternehmen, Zweigstellen und Vertretungsbüros in Nordamerika, Europa und Lateinamerika mit Fokus auf Geschäfts- und Privatbanking tätig. Die Israel Discount Bank New York (IDBNY) ist die größte Bank außerhalb Israels, die in israelischer Hand ist.
Hinsichtlich der unternehmerischen, sozialen und ökologischen Verantwortung gehört die Discount Bank zu den führenden israelischen Unternehmen und wird vom Maala Index unter die Top Zehn eingestuft. Außerdem wurde die Discount Bank in den FTSE4GOOD-Index aufgenommen.
Die Discount Bank ist Mitglied der Börse in Tel-Aviv (TASE: DSCT). Mehrheitsaktionäre bilden 25%, während 75% der Aktien von der Öffentlichkeit getragen werden. Die Forschung und Abdeckung der Bank wird von Barclays Capital, CITI, Clal Finance Brokerage, Deutsche Bank, DS Invest, IBI, Leader Capital Markets, Meitav Brokerage, Psagot und UBS realisiert.
La Israel Discount Bank est un groupe financier de premier plan en Israël. Avec une couverture nationale et une action de franchise nationale solide et en croissance, la Discount Bank offre un éventail complet de produits et de services financiers pour ses clients, entreprises ou particuliers, en Israël ainsi que dans des centres financiers majeurs dans le monde.
En Israël, le Discount Group est composé de banques commerciales et de sociétés de services financiers, et agit dans le domaine des cartes de crédit, de services bancaires d'investissement, de gestion de portefeuille et des services fiduciaires. En partenariat avec la Mercantile Discount Bank, le groupe exploite plus de 200 succursales à travers le pays, gérant tous les secteurs du détail et des entreprises.
À l’étranger, la banque opère au travers un réseau de filiales, de branches et de représentants en Amérique du Nord, en Europe et en Amérique Latine, avec une action prioritaire dans les services bancaires pour les entreprises et les particuliers. La Israel Discount Bank New York (IDBNY) est la banque israélienne la plus importante parmi celles agissant hors des frontières nationales.
En termes de responsabilité sociale et environnementale de l'entreprise, la Discount Bank compte parmi les plus grandes sociétés israéliennes et est reconnue parmi les dix premières sociétés selon l'indice Maala. En outre, la Discount Bank a été inscrite dans la FTSE4GOOD Index.
La Discount Bank est membre de la bourse de Tel-Aviv sous le nom de DSCT (TASE). Les actionnaires majoritaires détiennent 25 %, les 75 % restants étant détenus par le public. La recherche et l’assurance de la banque sopnt pris en charge par les sociétés suivantes : Barclays Capital, CITI, Clal Finance Brokerage, Deutsche Bank, DS Invest, IBI, Leader Capital Markets, Meitav Brokerage, Psagot et UBS.
Israel Discount Bank es un grupo financiero líder en Israel. Con cobertura nacional y una fuerte y creciente franquicia doméstica, Discount Bank proporciona un amplio espectro de productos corporativos y financieros y da servicio a sus clientes tanto en Israel como en centros financieros clave de todo el mundo.
En Israel, Discount Group se compone de bancos comerciales y empresas de servicios financieros, activos en tarjetas de crédito, banca de inversión, gestión de carteras y servicios de fideicomiso. Junto con el Mercantile Discount Bank, el Grupo opera en más de 200 sucursales de todo el país, ofreciendo servicio a todos los sectores corporativos y minoristas.
En el extranjero, el banco opera a través de una red de subsidiarias, sucursales y oficinas de representación en Norteamérica, Europa y Latinoamérica, centrándose en la banca privada y comercial. Israel Discount Bank New York (IDBNY) es el mayor banco de propiedad israelí que opera fuera de Israel.
En términos de responsabilidad corporativa, social y medioambiental, Discount Bank está entre las corporaciones punteras israelíes, y está considerada entre las diez mejores compañías por el Maala Index. Además, Discount Bank ha sido incluido en el FTSE4GOOD Index.
Discount Bank es miembro de la bolsa de Tel Aviv (TASE: DSCT). Los accionistas mayoritarios constituyen el 25%, con un 75% de las acciones controladas por el público. Barclays Capital, CITI, Clal Finance Brokerage, Deutsche Bank, DS Invest, IBI, Leader Capital Markets, Meitav Brokerage, Psagot y UBS ofrecen cobertura y estudios sobre le banco.
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