Export Investment 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 Income on Loans	1,328	1,288	1,232	906.7	628.7
Interest Income on Investments	138.2	199.2	138.8	-	-
Total Interest Income	1,466	1,487	1,371	906.7	628.7
Interest Paid on Deposits	651.66	647.04	514.02	311.5	174.5
Interest Paid on Borrowings	109.2	135.5	123.8	-	-
Total Interest Expense	760.86	782.54	637.82	311.5	174.5
Net Interest Income	705.24	704.86	733.08	595.2	454.2
Net Interest Income Growth (YoY)	0.06%	-3.85%	23.17%	31.04%	7.96%
Gain (Loss) on Sale of Assets	-	-	-0.04	-	-
Gain (Loss) on Sale of Investments	5.9	-	-0.5	-1.6	-3.5
Other Non-Interest Income	289.5	211.4	161.3	226.3	164
Total Non-Interest Income	295.4	211.4	160.77	224.7	160.5
Non-Interest Income Growth (YoY)	39.73%	31.50%	-28.45%	40.00%	-5.14%
Revenues Before Loan Losses	1,001	916.26	893.85	819.9	614.7
Provision for Loan Losses	52.4	79.7	133.3	78.8	-58.9
Revenue	948.24	836.56	760.55	741.1	673.6
Revenue Growth (YoY)	13.35%	9.99%	2.62%	10.02%	38.17%
Selling, General & Administrative	4.81	-	5.43	30.64	27.35
Other Non-Interest Expense	669.58	601.38	554.89	474.74	436.1
Total Non-Interest Expense	674.39	601.38	560.32	505.38	463.45
EBT Excluding Unusual Items	273.86	235.18	200.22	235.72	210.15
Pretax Income	273.86	235.18	200.22	235.72	210.15
Income Tax Expense	81.5	83.6	76.3	87.2	78.1
Earnings From Continuing Operations	192.36	151.58	123.92	148.52	132.05
Minority Interest in Earnings	-35.42	-27.35	-20.63	-23.01	-19.82
Net Income	156.94	124.23	103.29	125.51	112.23
Net Income to Common	156.94	124.23	103.29	125.51	112.23
Net Income Growth	26.33%	20.26%	-17.70%	11.84%	304.40%
Basic Shares Outstanding	11	11	11	11	11
Diluted Shares Outstanding	11	11	11	11	11
EPS (Basic)	13.90	11.00	9.15	11.12	9.94
EPS (Diluted)	13.90	11.00	9.15	11.12	9.94
EPS Growth	26.33%	20.26%	-17.70%	11.84%	304.40%
Dividend Per Share	1.196	0.886	0.310	1.147	0.620
Dividend Growth	34.99%	185.72%	-72.98%	85.02%	75.00%
Effective Tax Rate	29.76%	35.55%	38.11%	36.99%	37.16%

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