TLV: GMLA Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Interest and Dividend Income	143.05	139.45	76.95	48.15	57.54	44.66
Total Interest Expense	61.5	61.5	21.89	12	17.13	14.62
Net Interest Income	81.55	77.95	55.06	36.15	40.41	30.05
Revenue Before Loan Losses	81.55	77.95	55.06	36.15	40.41	30.05
Provision for Loan Losses	11.64	8.73	3.31	-0.23	0.27	0.33
Revenue	69.91	69.22	51.74	36.38	40.15	29.72
Revenue Growth (YoY)	-37.86%	33.78%	42.23%	-9.39%	35.10%	-
Cost of Services Provided	8.74	8.29	8.68	7	3.96	3.74
Other Operating Expenses	1.05	0.57	0.83	0.91	0.58	0.33
Total Operating Expenses	9.79	8.85	9.51	7.92	4.54	4.07
Operating Income	60.12	60.37	42.24	28.46	35.6	25.65
Pretax Income	60.12	60.37	42.24	28.46	35.6	25.65
Income Tax Expense	13.88	13.96	9.7	6.73	8.19	5.9
Net Income	46.24	46.4	32.53	21.74	27.41	19.75
Net Income to Common	46.24	46.4	32.53	21.74	27.41	19.75
Net Income Growth	3.39%	42.63%	49.68%	-20.70%	38.77%	-
Shares Outstanding (Basic)	83	83	78	63	51	50
Shares Outstanding (Diluted)	84	83	78	63	51	50
Shares Change (YoY)	-1.43%	6.59%	23.39%	24.97%	1.31%	-
EPS (Basic)	0.56	0.56	0.42	0.34	0.54	0.40
EPS (Diluted)	0.55	0.56	0.42	0.34	0.54	0.40
EPS Growth	4.89%	33.81%	21.31%	-36.54%	36.98%	-
Free Cash Flow	113.15	-118.09	-511.49	28.82	7.78	-117.34
Free Cash Flow Per Share	1.35	-1.42	-6.55	0.46	0.15	-2.35
Dividend Per Share	-	-	-	0.151	-	-
Operating Margin	85.99%	87.21%	81.63%	78.24%	88.68%	86.31%
Profit Margin	66.14%	67.04%	62.88%	59.75%	68.27%	66.47%
Free Cash Flow Margin	161.85%	-170.60%	-988.54%	79.21%	19.38%	-394.85%
Effective Tax Rate	23.09%	23.13%	22.97%	23.64%	23.01%	22.99%

Source: S&P Capital IQ. Financial Services template. Financial Sources.