F.I.B.I. Holdings 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 Income on Loans	11,631	11,098	9,851	5,161	3,150	2,878
Interest Paid on Deposits	6,756	6,357	4,884	1,358	356	241
Net Interest Income	4,875	4,741	4,967	3,803	2,794	2,637
Net Interest Income Growth (YoY)	2.70%	-4.55%	30.61%	36.11%	5.95%	1.34%
Gain (Loss) on Sale of Assets	19	19	6	8	8	-
Gain (Loss) on Sale of Investments	234	189	-85	-125	214	9
Other Non-Interest Income	1,920	1,798	1,731	1,728	1,534	1,514
Total Non-Interest Income	2,173	2,006	1,652	1,611	1,756	1,523
Non-Interest Income Growth (YoY)	16.08%	21.43%	2.54%	-8.26%	15.30%	0.20%
Revenues Before Loan Losses	7,048	6,747	6,619	5,414	4,550	4,160
Provision for Loan Losses	25	-16	502	123	-216	464
Revenue	7,023	6,763	6,117	5,291	4,766	3,696
Revenue Growth (YoY)	7.98%	10.56%	15.61%	11.02%	28.95%	-7.23%
Salaries and Employee Benefits	1,763	1,740	1,767	1,701	1,602	1,533
Occupancy Expenses	331	359	321	312	340	344
Amortization of Goodwill & Intangibles	143	134	122	113	105	96
Selling, General & Administrative	72	72	66	56	50	47
Other Non-Interest Expense	815	676	605	577	559	553
Total Non-Interest Expense	3,089	2,907	2,768	2,685	2,587	2,544
EBT Excluding Unusual Items	3,934	3,856	3,349	2,606	2,179	1,152
Pretax Income	3,934	3,856	3,349	2,606	2,179	1,152
Income Tax Expense	1,507	1,383	1,090	884	728	368
Earnings From Continuing Operations	2,427	2,473	2,259	1,722	1,451	784
Minority Interest in Earnings	-1,307	-1,330	-1,212	-920	-776	-425
Net Income	1,120	1,143	1,047	802	675	359
Net Income to Common	1,120	1,143	1,047	802	675	359
Net Income Growth	1.27%	9.17%	30.55%	18.82%	88.02%	-13.49%
Basic Shares Outstanding	35	35	35	35	35	35
Diluted Shares Outstanding	35	35	35	35	35	35
EPS (Basic)	31.59	32.24	29.53	22.62	19.04	10.13
EPS (Diluted)	31.58	32.23	29.53	22.62	19.04	10.13
EPS Growth	1.23%	9.13%	30.55%	18.82%	88.02%	-13.49%
Dividend Per Share	13.639	13.398	10.780	9.872	10.240	-
Dividend Growth	21.46%	24.29%	9.19%	-3.59%	-	-
Effective Tax Rate	38.31%	35.87%	32.55%	33.92%	33.41%	31.94%

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