Export Investment Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	1,284	1,328	1,288	1,232	906.7	628.7
Interest Income on Investments	138.2	138.2	199.2	138.8	-	-
Total Interest Income	1,423	1,466	1,487	1,371	906.7	628.7
Interest Paid on Deposits	635.06	651.66	647.04	514.02	311.5	174.5
Interest Paid on Borrowings	109.2	109.2	135.5	123.8	-	-
Total Interest Expense	744.26	760.86	782.54	637.82	311.5	174.5
Net Interest Income	678.24	705.24	704.86	733.08	595.2	454.2
Net Interest Income Growth	-4.05%	0.06%	-3.85%	23.17%	31.04%	7.96%
Gain (Loss) on Sale of Assets	0.01	-	-	-0.04	-	-
Gain (Loss) on Sale of Investments	5.9	5.9	-	-0.5	-1.6	-3.5
Other Non-Interest Income	316.8	289.5	211.4	161.3	226.3	164
Total Non-Interest Income	322.71	295.4	211.4	160.77	224.7	160.5
Non-Interest Income Growth	22.38%	39.73%	31.50%	-28.45%	40.00%	-5.14%
Revenues Before Loan Losses	1,001	1,001	916.26	893.85	819.9	614.7
Provision for Loan Losses	56.8	52.4	79.7	133.3	78.8	-58.9
Revenue	944.15	948.24	836.56	760.55	741.1	673.6
Revenue Growth	3.77%	13.35%	9.99%	2.62%	10.02%	38.17%
Selling, General & Administrative	4.81	4.81	-	5.43	30.64	27.35
Other Non-Interest Expense	687.64	669.58	601.38	554.89	474.74	436.1
Total Non-Interest Expense	692.45	674.39	601.38	560.32	505.38	463.45
EBT Excluding Unusual Items	251.7	273.86	235.18	200.22	235.72	210.15
Pretax Income	251.7	273.86	235.18	200.22	235.72	210.15
Income Tax Expense	77.4	81.5	83.6	76.3	87.2	78.1
Earnings From Continuing Operations	174.3	192.36	151.58	123.92	148.52	132.05
Minority Interest in Earnings	-30.64	-35.42	-27.35	-20.63	-23.01	-19.82
Net Income	143.66	156.94	124.23	103.29	125.51	112.23
Net Income to Common	143.66	156.94	124.23	103.29	125.51	112.23
Net Income Growth	0.13%	26.33%	20.26%	-17.70%	11.84%	304.40%
Basic Shares Outstanding	11	11	11	11	11	11
Diluted Shares Outstanding	11	11	11	11	11	11
Shares Change	-0.01%	-	-	-	-	-
EPS (Basic)	12.72	13.90	11.00	9.15	11.12	9.94
EPS (Diluted)	12.72	13.90	11.00	9.15	11.12	9.94
EPS Growth	0.14%	26.33%	20.26%	-17.70%	11.84%	304.40%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	0.797	1.196	0.886	0.310	1.147	0.620
Dividend Growth	-0.02%	34.99%	185.72%	-72.98%	85.02%	75.00%
Effective Tax Rate	30.75%	29.76%	35.55%	38.11%	36.99%	37.16%