TLV:DIFI Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	1,430	1,386	1,249	1,181	740.43	457.03
Total Interest Expense	442.9	434.62	336.5	233.87	97.88	50.28
Net Interest Income	986.79	951.81	912.23	947.08	642.55	406.75
Other Revenue	35.42	107.29	92.5	164.4	84.4	-
Revenue Before Loan Losses	1,022	1,059	1,005	1,111	726.95	406.75
Provision for Loan Losses	249.46	224.32	243.09	110.86	53.9	75.09
Revenue	772.76	834.77	761.64	1,001	673.05	331.66
Revenue Growth (YoY)	1.68%	9.60%	-23.88%	48.67%	102.93%	51.62%
Cost of Services Provided	607.1	618.74	587.94	633.53	410.88	245.41
Other Operating Expenses	-66.9	-18.33	-37.27	-22.05	-28.47	-20.54
Total Operating Expenses	540.2	600.41	550.67	611.48	382.41	224.87
Operating Income	232.56	234.36	210.97	389.14	290.64	106.79
EBT Excluding Unusual Items	232.68	234.55	211.06	389.14	290.62	106.79
Other Unusual Items	-	-	-	-	-	2.59
Pretax Income	232.68	234.55	211.06	389.14	290.62	109.38
Income Tax Expense	89.7	85.65	78.34	144.69	109.3	38.44
Earnings From Continuing Ops.	142.98	148.9	132.72	244.46	181.32	70.93
Minority Interest in Earnings	-13.88	-7.8	-0.25	-	-	-
Net Income	129.09	141.1	132.47	244.46	181.32	70.93
Net Income to Common	129.09	141.1	132.47	244.46	181.32	70.93
Net Income Growth	15.04%	6.52%	-45.81%	34.82%	155.62%	-38.81%
Shares Outstanding (Basic)	3	3	3	3	3	2
Shares Outstanding (Diluted)	3	3	3	3	3	2
Shares Change (YoY)	0.26%	-	0.14%	12.37%	13.03%	5.78%
EPS (Basic)	43.66	47.72	44.80	83.43	71.27	31.75
EPS (Diluted)	43.54	47.72	44.80	82.79	69.00	30.50
EPS Growth	14.75%	6.52%	-45.89%	19.99%	126.23%	-42.17%
Free Cash Flow	-661.76	-587.15	-882.83	-1,064	-1,511	-294.29
Free Cash Flow Per Share	-223.18	-198.56	-298.55	-360.26	-575.03	-126.58
Dividend Per Share	30.553	29.326	21.631	41.340	33.911	9.870
Dividend Growth	42.65%	35.57%	-47.67%	21.91%	243.58%	-
Operating Margin	30.09%	28.07%	27.70%	38.89%	43.18%	32.20%
Profit Margin	16.71%	16.90%	17.39%	24.43%	26.94%	21.39%
Free Cash Flow Margin	-85.64%	-70.34%	-115.91%	-106.32%	-224.53%	-88.73%
Effective Tax Rate	38.55%	36.52%	37.12%	37.18%	37.61%	35.15%

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