F.I.B.I. Holdings Ltd (TLV:FIBIH)

F.I.B.I. Holdings Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	11,772	11,098	9,851	5,161	3,150
Interest Paid on Deposits	6,949	6,357	4,884	1,358	356
Net Interest Income	4,823	4,741	4,967	3,803	2,794
Net Interest Income Growth (YoY)	1.73%	-4.55%	30.61%	36.11%	5.95%
Gain (Loss) on Sale of Assets	9	19	6	8	8
Gain (Loss) on Sale of Investments	159	189	-85	-125	214
Other Non-Interest Income	1,932	1,798	1,731	1,728	1,534
Total Non-Interest Income	2,100	2,006	1,652	1,611	1,756
Non-Interest Income Growth (YoY)	4.69%	21.43%	2.54%	-8.26%	15.30%
Revenues Before Loan Losses	6,923	6,747	6,619	5,414	4,550
Provision for Loan Losses	19	-16	502	123	-216
Revenue	6,904	6,763	6,117	5,291	4,766
Revenue Growth (YoY)	2.08%	10.56%	15.61%	11.02%	28.95%
Salaries and Employee Benefits	1,768	1,740	1,767	1,701	1,602
Occupancy Expenses	338	359	321	312	340
Amortization of Goodwill & Intangibles	146	134	122	113	105
Selling, General & Administrative	97	72	66	56	50
Other Non-Interest Expense	845	676	605	577	559
Total Non-Interest Expense	3,159	2,907	2,768	2,685	2,587
EBT Excluding Unusual Items	3,745	3,856	3,349	2,606	2,179
Pretax Income	3,745	3,856	3,349	2,606	2,179
Income Tax Expense	1,386	1,383	1,090	884	728
Earnings From Continuing Operations	2,359	2,473	2,259	1,722	1,451
Minority Interest in Earnings	-1,270	-1,330	-1,212	-920	-776
Net Income	1,089	1,143	1,047	802	675
Net Income to Common	1,089	1,143	1,047	802	675
Net Income Growth	-4.72%	9.17%	30.55%	18.82%	88.02%
Basic Shares Outstanding	35	35	35	35	35
Diluted Shares Outstanding	35	35	35	35	35
EPS (Basic)	30.72	32.24	29.53	22.62	19.04
EPS (Diluted)	30.72	32.24	29.53	22.62	19.04
EPS Growth	-4.72%	9.17%	30.55%	18.82%	88.02%
Dividend Per Share	16.205	13.400	10.780	9.872	10.240
Dividend Growth	20.93%	24.30%	9.19%	-3.59%	-
Effective Tax Rate	37.01%	35.87%	32.55%	33.92%	33.41%

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