Israel Discount Bank Limited (ISDAY)

Israel Discount Bank Income Statement

Financials in millions ILS. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	23,246	22,147	20,712	11,700	7,491	6,987
Interest Paid on Deposits	12,246	11,308	9,776	3,007	962	1,089
Net Interest Income	11,000	10,839	10,936	8,693	6,529	5,898
Net Interest Income Growth (YoY)	8.67%	-0.89%	25.80%	33.14%	10.70%	0.08%
Gain (Loss) on Sale of Assets	79	24	415	421	52	29
Gain (Loss) on Sale of Investments	511	448	-137	-26	524	626
Other Non-Interest Income	4,675	4,667	4,860	3,856	3,386	3,352
Total Non-Interest Income	5,265	5,139	5,138	4,251	3,962	4,007
Non-Interest Income Growth (YoY)	44.68%	0.02%	20.87%	7.29%	-1.12%	6.26%
Revenues Before Loan Losses	16,265	15,978	16,074	12,944	10,491	9,905
Provision for Loan Losses	583	702	1,502	407	-693	1,718
Revenue	15,682	15,276	14,572	12,537	11,184	8,187
Revenue Growth (YoY)	21.16%	4.83%	16.23%	12.10%	36.61%	-8.77%
Salaries and Employee Benefits	3,893	3,867	3,826	3,557	3,464	3,210
Occupancy Expenses	1,524	1,524	1,397	1,232	1,187	1,185
Selling, General & Administrative	335	337	349	340	232	211
Other Non-Interest Expense	2,717	2,596	2,382	2,083	1,971	2,043
Total Non-Interest Expense	8,429	8,291	7,965	7,185	6,834	6,599
EBT Excluding Unusual Items	7,253	6,985	6,607	5,352	4,350	1,588
Other Unusual Items	-5	-5	-12	-5	-4	-32
Pretax Income	7,248	6,980	6,595	5,347	4,346	1,556
Income Tax Expense	2,721	2,629	2,316	1,806	1,516	549
Earnings From Continuing Operations	4,527	4,351	4,279	3,541	2,830	1,007
Minority Interest in Earnings	-112	-70	-87	-46	-57	-32
Net Income	4,333	4,281	4,192	3,495	2,773	975
Net Income to Common	4,333	4,281	4,192	3,495	2,773	975
Net Income Growth	4.38%	2.12%	19.94%	26.04%	184.41%	-42.71%
Basic Shares Outstanding	1,233	1,237	1,237	1,219	1,164	1,164
Diluted Shares Outstanding	1,360	1,364	1,237	1,219	1,164	1,164
Shares Change (YoY)	9.95%	10.23%	1.44%	4.76%	-	-
EPS (Basic)	3.51	3.46	3.39	2.87	2.38	0.84
EPS (Diluted)	3.19	3.14	3.39	2.87	2.38	0.84
EPS Growth	-4.96%	-7.34%	18.24%	20.31%	184.41%	-42.71%
Dividend Per Share	1.335	1.040	0.843	0.565	0.215	-
Dividend Growth	43.20%	23.27%	49.25%	162.89%	-	-
Effective Tax Rate	37.54%	37.66%	35.12%	33.78%	34.88%	35.28%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.