Table of Contents
Executive Summary — 5 Table: Latest Actual Data
(ILSbn) — 5 Table: Latest Actual Data
(US$bn) — 5 Table: Latest Key Indicators At December
2008 — 5 Table: Annual Growth Rate Projections, 2009-2013
(%) — 5 Table: Ranking Out Of 59 Countries Reviewed In
2009 — 6 Table: Projected Levels, 2008-2013
(ILSbn) — 6 Table: Projected Levels
(US$bn) — 6 Overview Of Israel’s Commercial Banking
Sector — 7 SWOT Analysis — 8
Israel’s Commercial Banking SWOT — 8 Israel’s
Political SWOT — 8 Israel’s Economic
SWOT — 9 Israel’s Business Environment
SWOT — 9 Commercial Banking Business Environment
Rating — 10 Table: Israel’s Commercial Banking
Business Environment Ratings — 10 Commercial Banking
Business Environment Rating Analysis — 10 Commercial
Banking Business Environment Rating Methodology — 13
Table: Middle East And Africa Commercial Banking Business Environment
Ratings — 14 Economic Analysis – Global Banking
Sector Outlook — 15 Table: Client Loans, 2007-2013 (%
Change y-o-y) — 15 Table: Loan-Deposit Ratio,
2007-2013 — 17 Regional Outlook — 19
Middle East And North Africa Banking Outlook — 19 Table:
Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios, End
2008 — 24 Table: Anticipated Developments In
2009 — 25 Table: Comparison Of Total Assets, Client Loans
And Client Deposits, 2007 And 2008 (US$bn) — 26 Table:
Comparison Of Per Capita Deposits, End 2008 (US$) — 27
Table: Interbank Rates And Bond Yields — 28 Commercial
Bank Sector Outlook — 29 Macroeconomic
Activity — 30 Table: Israel – Economic Activity,
2006-2013 — 32 Fiscal Policy — 33
Market Structure — 35
Protagonists — 35 Table: Protagonists In Israel’s
Commercial Banking Sector — 35 Definition Of The
Commercial Banking Universe — 36 List Of
Banks — 36 Table: Commercial
Banks — 36 Table: Foreign Bank
Branches — 36 Table: Mortgage
Banks — 36 Company Profiles — 37
Mizrahi Tefahot Bank Ltd — 37 Table: Key Statistics For
Mizrahi-Tefahot Bank (ILSmn) — 37 Bank Hapoalim
B.M — 38 Table: Key Statistics For Bank Hapoalim
(ILSmn) — 39 Bank Leumi Le-Israel
B.M — 40 Table: Key Statistics for Bank Leumi Le-Israel
(ILSmn) — 41 Bank of Jerusalem
Ltd — 42 Table: Key Statistics For Bank Of Jerusalem
(ILSmn) — 42 Bank Otsar Ha-hayal
Ltd — 43 Table: Key Statistics for Bank Otsar Ha-hayal
(ILSmn) — 43 Bank Yahav for Government Employees
Ltd — 44 Table: Key Statistics For Bank Yahav
(ILSmn) — 44 Israel Discount Bank
Ltd — 45 Table: Key Statistics For Israel Discount Bank
(ILSmn) — 46 Mercantile Discount Bank
Ltd — 47 Table: Key Statistics For Mercantile Discount
Bank (ILSmn) — 47 The First International Bank of
Israel — 48 Table: Key Statistics For First International
Bank of Israel (ILSmn) — 49 Union Bank of Israel
Ltd — 50 Table: Key Statistics For Union Bank of Israel
(ILSmn) — 50 Methodology — 51 Basis Of
Projections — 52 Commercial Bank Business Environment
Rating — 52 Table: Commercial Banking Business Environment
Indicators And Rationale — 54 Table: Weighting Of
Indicators — 55
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