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	Jun '24 Jun 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	145.92	139.45	76.95	48.15	57.54	44.66
Total Interest Expense	64.83	61.5	21.89	12	17.13	14.62
Net Interest Income	81.09	77.95	55.06	36.15	40.41	30.05
Revenue Before Loan Losses	81.09	77.95	55.06	36.15	40.41	30.05
Provision for Loan Losses	13.65	8.73	3.31	-0.23	0.27	0.33
Revenue	67.44	69.22	51.74	36.38	40.15	29.72
Revenue Growth (YoY)	6.01%	33.78%	42.23%	-9.39%	35.10%	-
Cost of Services Provided	8.21	8.29	8.68	7	3.96	3.74
Other Operating Expenses	0.57	0.57	0.83	0.91	0.58	0.33
Total Operating Expenses	8.77	8.85	9.51	7.92	4.54	4.07
Operating Income	58.67	60.37	42.24	28.46	35.6	25.65
Pretax Income	58.67	60.37	42.24	28.46	35.6	25.65
Income Tax Expense	13.56	13.96	9.7	6.73	8.19	5.9
Net Income	45.11	46.4	32.53	21.74	27.41	19.75
Net Income to Common	45.11	46.4	32.53	21.74	27.41	19.75
Net Income Growth	8.42%	42.63%	49.68%	-20.70%	38.77%	-
Shares Outstanding (Basic)	83	83	78	63	51	50
Shares Outstanding (Diluted)	83	83	78	63	51	50
Shares Change (YoY)	0.02%	6.59%	23.39%	24.97%	1.31%	-
EPS (Basic)	0.54	0.56	0.42	0.34	0.54	0.40
EPS (Diluted)	0.54	0.56	0.42	0.34	0.54	0.40
EPS Growth	8.40%	33.81%	21.31%	-36.54%	36.98%	-
Free Cash Flow	69.68	-118.09	-511.49	28.82	7.78	-117.34
Free Cash Flow Per Share	0.84	-1.42	-6.55	0.46	0.15	-2.35
Dividend Per Share	-	-	-	0.151	-	-
Operating Margin	86.99%	87.21%	81.63%	78.24%	88.68%	86.31%
Profit Margin	66.89%	67.04%	62.88%	59.75%	68.27%	66.47%
Free Cash Flow Margin	103.32%	-170.60%	-988.54%	79.21%	19.38%	-394.85%
Effective Tax Rate	23.10%	23.13%	22.97%	23.64%	23.01%	22.99%

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