Israel Discount Bank Ratios and Metrics

Market cap in millions ILS. Fiscal year is January - December.

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 17, 2026	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
Market Capitalization	49,359	30,725	22,699	22,860	24,375	14,387
Market Cap Growth	52.45%	35.36%	-0.70%	-6.21%	69.42%	-22.80%
Last Close Price	40.35	23.88	16.80	16.18	17.88	10.49
PE Ratio	12.43	7.18	5.42	6.54	8.79	14.76
PS Ratio	3.15	2.01	1.56	1.82	2.18	1.76
PB Ratio	1.41	0.93	0.78	0.90	1.10	0.73
P/FCF Ratio	5.77	9.05	27.72	-	7.00	2.31
P/OCF Ratio	5.28	7.26	11.28	-	5.47	2.04
Debt / Equity Ratio	1.42	1.35	1.36	1.05	1.00	0.94
Debt / FCF Ratio	5.84	13.11	48.61	-	6.37	2.98
Net Debt / Equity Ratio	-1.12	-1.18	-0.93	-2.07	-2.03	-1.67
Net Debt / FCF Ratio	-4.61	-11.45	-33.36	26.26	-12.93	-5.29
Return on Equity (ROE)	13.49%	13.96%	15.64%	14.87%	13.52%	5.17%
Return on Assets (ROA)	1.01%	1.05%	1.11%	1.00%	0.90%	0.36%
Earnings Yield	8.78%	13.93%	18.47%	15.29%	11.38%	6.78%
FCF Yield	17.33%	11.06%	3.61%	-8.79%	14.28%	43.21%
Dividend Yield	2.57%	4.35%	5.02%	3.49%	1.20%	-
Payout Ratio	32.61%	26.93%	24.98%	17.65%	5.19%	5.03%
Buyback Yield / Dilution	-9.95%	-10.23%	-1.44%	-4.76%	-	-
Total Shareholder Return	-7.37%	-5.88%	3.58%	-1.27%	1.20%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.