Israel's banking System - Annual Survey 2017- Figures

 

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Figure 1.1	Figure 1.1	Return on Equity (ROE) After Tax
Figure 1.2	Figure 1.2	Net Interest Margin and the Bank of Israel interest rate
Figure 1.3	Figure 1.3	Income from Interest on Credit to the Public, Interest Expenses on the Public's Deposits, and the Interest Rate Gap
Figure 1.4	Figure 1.4	Average Interest Rate on Credit Issued to the Public in the Various Activity Segments
Figure 1.5	Figure 1.5​	Composition of Noninterest Income Relative to Total Assets
Figure 1.6	Figure 1.6	Operating Efficiency Ratio in the Banking Systems of OECD Countries
Figure 1.7	Figure 1.7	Development of Income and Expenses, the Five Banking Groups
Fig​ure 1.8	Figure 1.8	Average Number of Employee Posts and Wage and Supplementary Expenses in Respect of Employees
Figure 1.9	Figure 1.9	Average Wage per Employee Post in Various Industries and Wage Expenses per Position in the Five Banking Groups
Figure 1.10	Figure 1.10	Number of Branchesa, Total Banking System
Figure 1.11	Figure 1.11	Percentage of Accounts in Which Customers Used Digital Channels
Figure 1.12	Figure 1.12	Common Equity Tier 1 Capital Ratios
Figure 1.13	Figure 1.13	The Total Securities Portfolio of the Israeli Banking System—Size and Composition
Figure 1.14	Figure 1.14	Ratio of Balance-Sheet Credit to GDP
Figure 1.15	Figure 1.15	Distribution of Credit to the Public between the Large and Midsized Banks
Figure 1.16	Figure 1.16	Estimated Development of Credit in the Various Activity Segments
Figure 1.17	Figure 1.17	Annual Change in Outstanding Balance-Sheet Credit to Principal Sectors
Figure 1.18	Figure 1.18	Rate of Change in Outstanding Credit to the Business Activity Segments
Figure 1.19	Figure 1.19	Change in Credit to the Public in 2017
Figure 1.20	Figure 1.20	Distribution of Balance-Sheet Credit by Sector
Figure 1.21​	Figure 1.21	Monthly Average of New Housing Loans Granted, Total Banking System, and Index of Home Prices
Figure 1.22	Figure 1.22	Interest Rates on Housing Loans by Interest Rate and Indexation Tracks
Figure 1.23	Figure 1.23	Distribution of New Mortgages by LTV Ratio
Figure 1.24	Figure 1.24	Balance of Nonresidents' Deposits in Israel and of Deposits in Branch Offices Abroad
Figure 1.25	Figure 1.25	Liquidity Coverage Ratio (Total Activity)
Figure 1.26	Figure 1.26	Liquidity Coverage Ratio (LCR)
Figure 1.27	Figure 1.27	High-Quality Liquid Assets (HQLA)a and Net Outflow
Figure 1.28	Figure 1.28	Composition of the Stock of High-Quality Liquid Assets of Banks in Israel and the European Union
Figure 1.29	Figure 1.29	Ratio of Credit to the Public to Deposits from the Public
Figure 1.30	Figure 1.30	Rate of Change in the Net Fair Value of Capital of the Five Banking Groups as a Result of an Increase of One Percentage Point in the Interest Rate, Total Indexation Segments,
Figure 1.31	Figure 1.31	Rate of Change in the Net Fair Value of Capital of the Five Banking Groups as a Result of a Decline of One Percentage Point in the Interest Rate, Total Indexation Segments
Figure 1.32	Figure 1.32​	Outstanding Receivables and Credit Under Responsibility of the Credit Card Companies
Figure 1.33	Figure 1.33	Total Rate of Change in Balance-Sheet Credit Risk that is Not Backed by the Banks
Figure 1.34	Figure 1.34	The Rate of Change in Balance-Sheet Credit Risk that is Not Backed by the Banks, all Credit Card Companies
Figure 1.35	Figure 1.35	Tier 1 Capital Ratio, Credit Card Companies
Figure 1.36	Figure 1.36	Return on Equity (ROE) After Tax, Credit Card Companies
Figure 1.37	Figure 1.37	The Average Merchant Fee  and the Interchange Fee, All Credit Card Companies
Figure 1.38	Figure 1.38	Merchant Fees by Size of Merchant, All Credit Card Companies
Figure 1.1.1	Figure 1.1.1	Estimated Development of Credit
Figure 1.1.2​	Figure 1.1.2	Financing Difficulties in the Small Business
Figure 1.1.3	Figure 1.1.3	Credit to Small and Medium Businesses (SMEs) as a Share of GDP, Israel and OECD Countries
Figure 1.1.4	Figure 1.1.4	The Average Interest Rate on Credit Issued to the Public in the Business Activity Segments
Figure 1.1.5	Figure 1.1.5	Interest Rate on Credit to Small and Medium Businesses (SMEs), Israel and Countries with a Similar Interest Rate Environment
Figure 1.1.6	Figure 1.1.6	Loan Loss Provisions as a Share of Outstanding Credit, End of Period, in the Business Activity Segments
Figure 1.1.7	Figure 1.1.7	Average Cost (Operating Cost Relative to Average Balance of Assets and Liabilities) in the Business Segments
Figure 1.2.1	Figure 1.2.1	Distribution of Households by Debt Status and Type of Debt
Figure 1.2.2	Figure 1.2.2​	Share of Households that Have Consumer and Housing Loans, by Income Quintile
Figure 1.2.3	Figure 1.2.3	The Share of Households with Loans, Israel and the Eurozone
Figure 1.2.4	Figure 1.2.4	The Share of Households with Housing Loans, Israel and the Eurozone
Figure 1.2.5	Figure 1.2.5	The Share of Households with Consumer Loans, Israel and the Eurozone
Figure 1.2.6	Figure 1.2.6	The Share of Households with Loans by Income Deciles, Israel and the Eurozone
Figure 1.2.7	Figure 1.2.7	Estimated Distribution of Debt Among the Income Decilesa
Figure 1.2.8	Figure 1.2.8	Distribution of Households by Source of Loans
Figure 1.2.9	Figure 1.2.9	Percentage of Households that are Financially Vulnerable
Figure 1.2.10	Figure 1.2.10	Debt to Income Ratio by Income Decile, Israel and the Eurozone
Figure 1.3.1	Figure 1.3.1	The Cost of Equity (According to the CAPM)
Figure 1.3.2	Figure 1.3.2	The Components of the Cost of Equity According to the CAPM
Figure 1.3.3	Figure 1.3.3	International Comparisona of the Cost of Equity
Figure 1.3.4	Figure 1.3.4	International Comparisona of the ROE–COE Gap
Figure 1.3.5	Figure 1.3.5​	The Correlation Between the ROE-COE Gap and the BV/MV Ratio
Figure 1.4.1	Figure 1.4.1	The After-Tax Return on Assets, Israel and Leading Banks in the EU and US
Figure 1.4.2	Figure 1.4.2	The After-Tax Return on Equity (ROE), Israel and the Leading Banks in the EU and US
Figure 1.4.3	Figure 1.4.3	The Net Interest Margin, Israel and the Leading Banks in the EU and US
Figure 1.4.4	Figure 1.4.4	Wage Expenses as a Share of Total Operating and Other Expenses, OECD Countries, Three-Year Average
Figure 1.4.5​	Figure 1.4.5	Efficiency Ratio, Israeli Banks and Leading Banks in the EU and US
Figure 1.4.6	Figure 1.4.6	Cumulative Rate of Change in the Number of Bank Branches
Figure 1.4.7	Figure 1.4.7	Number of Commercial Bank Branches per 1,000 square kilometers, OECD Countries
Figure 1.4.8	Figure 1.4.8	Percentage of Customers Using the Internet to Conduct their Banking Transactions, Israel and EU Countries
Figure 1.4.9	Figure 1.4.9	Impaired Credit and Credit 90 Days or More Past Due as a Share of Total Credit to the Public, Israel, the US and the EU Average
Figure 1.4.10	Figure 1.4.10	Allowance for Credit Losses as a Share of Total Impaired Credit (Coverage Ratio), OECD Countries
Figure 1.4.11	Figure 1.4.11	Impaired Credit and Credit 90 Days or More Past Due as a Share of Total Credit to them Public, Israel and leading banks in the US and EU
Figure 1.4.12	Figure 1.4.12	Loan Loss Provisions as a Share of Total Impaired Credit, OECD Countries
Figure 1.4.13	Figure 1.4.13	Leverage Ratio (Basel III), Israel and Systemically Important International Banks
Figure 1.4.14	Figure 1.4.14	Liquidity Coverage Ratio (Total Activity) of the Israeli Banks and in the EU, Total Banking System
Figure 1.4.15	Figure 1.4.15	Composition of the Stock of High-Quality Liquid Assets of Banks in Israel and the European Union
Figure 1.4.16	Figure 1.4.16	The Dividend Payout Ratio of the Five Banking Groups in Israel and of Systemically Important Global Banking Corporations
Figure 2.1.1	Figure 2.1.1	How Competition is Increased
Figure 2.1.2	Figure 2.1.2	Distribution of credit to the public, particularly the consumer credit portfolio, between the large banks and the midsized banks
Figure 2.1.3	Figure 2.1.3	Distribution of Outstanding Credit to Households (Nonhousing) by Sources
Figure 2.1.4	Figure 2.1.4	Merchant Fees Excluding Interchange Fees
Figure 2.2.1	Figure 2.2.1	General Overview of Five Possible Scenarios of Banking of the Future
Figure 2.2.2	Figure 2.2.2	Axis of Scenarios by Level at Which the Bank Adopts Technology
Figure 3.1	Figure 3.1	Number of Enquiries and Complaints
Figure 3.2	Figure 3.2​	Distribution of Enquiries by Topic
Figure 3.3	Figure 3.3	Number of Restricted Customers
Figure 3.4	Figure 3.4	Number of Restricted Accounts
Figure 3.3.1	Figure 3.3.1	Balance-Sheet Credit to Borrowers of Over NIS 200 Million as a Share of Total Balance-Sheet Credit to the Public and as a Share of Equity
Figure 3.3.2	Figure 3.3.2	Total Credit Risk of the Hundred Largest Borrowers as a Share of Total Credit Risk
Figure 3.3.3	Figure 3.3.3	Bank  and Nonbank Credit in the Business Sector
Figure 3.3.4	Figure 3.3.4	Tier 1 Capital Limitations on Borrower Concentration
Figure 3.3.5	Figure 3.3.5	Tightness of the Limitation on Exposure to Borrower Groups
Figure 3.3.6	Figure 3.3.6	Gross Indebtedness of the Largest Borrower Group as a Share of Total Equity
Figure 3.3.7	Figure 3.3.7	Gross Indebtedness of the 10 Largest Business Borrower Groups
Figure 3.3.8	Figure 3.3.8	Tightness of the Limitation on Exposure to Large Borrowers
Figure 3.3.9	Figure 3.3.9	Cumulative Net Indebtedness as a Share of Equity, Borrowers with Net Indebtedness of More than 10 Percent of the Banking Corporation's Capital
Figure 3.3.10	Figure 3.3.10	Tightness of the Limitation on Exposure to Credit for Financing the Means of Control
Figure 3.3.11​	Figure 3.3.11​	Distribution of Credit to Finance the Purchase of Means of Control

 

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