TLV:DIFI Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	-	-	-	1,181	740.43
Total Interest Expense	454.89	434.62	336.5	233.87	97.88
Net Interest Income	-454.89	-434.62	-336.5	947.08	642.55
Other Revenue	1,508	1,494	1,341	164.4	84.4
Revenue Before Loan Losses	1,053	1,059	1,005	1,111	726.95
Provision for Loan Losses	259.64	224.32	243.09	110.86	53.9
Revenue	793.76	834.77	761.64	1,001	673.05
Revenue Growth (YoY)	-4.91%	9.60%	-23.88%	48.67%	102.93%
Cost of Services Provided	606.69	618.74	587.94	633.53	410.88
Other Operating Expenses	-24.8	-18.33	-37.27	-22.05	-28.47
Total Operating Expenses	581.89	600.41	550.67	611.48	382.41
Operating Income	211.87	234.36	210.97	389.14	290.64
EBT Excluding Unusual Items	211.77	234.55	211.06	389.14	290.62
Pretax Income	211.77	234.55	211.06	389.14	290.62
Income Tax Expense	80.7	85.65	78.34	144.69	109.3
Earnings From Continuing Ops.	131.07	148.9	132.72	244.46	181.32
Minority Interest in Earnings	-11.01	-7.8	-0.25	-	-
Net Income	120.06	141.1	132.47	244.46	181.32
Net Income to Common	120.06	141.1	132.47	244.46	181.32
Net Income Growth	-14.91%	6.52%	-45.81%	34.82%	155.62%
Shares Outstanding (Basic)	3	3	3	3	3
Shares Outstanding (Diluted)	3	3	3	3	3
Shares Change (YoY)	0.44%	-	0.14%	12.37%	13.03%
EPS (Basic)	40.60	47.72	44.80	83.43	71.27
EPS (Diluted)	40.43	47.72	44.80	82.79	69.00
EPS Growth	-15.27%	6.52%	-45.89%	19.99%	126.23%
Free Cash Flow	-223.17	-587.15	-882.83	-1,064	-1,511
Free Cash Flow Per Share	-75.14	-198.56	-298.55	-360.26	-575.03
Dividend Per Share	28.415	29.326	21.631	41.340	33.911
Dividend Growth	-3.10%	35.57%	-47.67%	21.91%	243.58%
Operating Margin	26.69%	28.07%	27.70%	38.89%	43.18%
Profit Margin	15.13%	16.90%	17.39%	24.43%	26.94%
Free Cash Flow Margin	-28.12%	-70.34%	-115.91%	-106.32%	-224.53%
Effective Tax Rate	38.11%	36.52%	37.12%	37.18%	37.61%

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