Bank of Jerusalem 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	1,498	1,487	1,371	906.7	628.7	521.5
Interest Paid on Deposits	793.2	783.8	639.2	311.5	174.5	100.8
Net Interest Income	704.5	703.6	731.7	595.2	454.2	420.7
Net Interest Income Growth (YoY)	-1.83%	-3.84%	22.93%	31.04%	7.96%	0.21%
Gain (Loss) on Sale of Assets	-	-	-	24.5	13.3	-
Gain (Loss) on Sale of Investments	14.6	4.6	-6.7	5.6	-3.5	6.5
Other Non-Interest Income	264.8	199.4	167.5	188.5	150.7	162.7
Total Non-Interest Income	279.4	204	160.8	218.6	160.5	169.2
Non-Interest Income Growth (YoY)	40.40%	26.87%	-26.44%	36.20%	-5.14%	2.48%
Revenues Before Loan Losses	983.9	907.6	892.5	813.8	614.7	589.9
Provision for Loan Losses	50.2	79.7	133.3	78.8	-58.9	102.4
Revenue	933.7	827.9	759.2	735	673.6	487.5
Revenue Growth (YoY)	14.05%	9.05%	3.29%	9.12%	38.17%	-11.04%
Salaries and Employee Benefits	286.7	259.8	254.3	221.9	207.3	179.4
Occupancy Expenses	151.3	139.6	126.8	112.6	105.5	104.2
Selling, General & Administrative	20.9	20.9	17.2	25	22	18.4
Other Non-Interest Expense	185	170.6	147.9	130.5	116.8	100.5
Total Non-Interest Expense	643.9	590.9	546.2	490	451.6	402.5
EBT Excluding Unusual Items	289.8	237	213	245	222	85
Other Unusual Items	7.4	7.4	-	6.1	-	-5.1
Pretax Income	297.2	244.4	213	251.1	222	79.9
Income Tax Expense	94.2	83.6	76.3	87.2	78.1	29.7
Earnings From Continuing Operations	203	160.8	136.7	163.9	143.9	50.2
Minority Interest in Earnings	-10.1	-6.2	-2.1	-0.5	-	-
Net Income	192.9	154.6	134.6	163.4	143.9	50.2
Net Income to Common	192.9	154.6	134.6	163.4	143.9	50.2
Net Income Growth	23.34%	14.86%	-17.63%	13.55%	186.65%	-43.85%
Basic Shares Outstanding	71	71	71	71	71	71
Diluted Shares Outstanding	71	71	71	71	71	71
EPS (Basic)	2.73	2.19	1.91	2.32	2.04	0.71
EPS (Diluted)	2.73	2.19	1.91	2.32	2.04	0.71
EPS Growth	23.17%	14.86%	-17.63%	13.55%	186.65%	-43.85%
Dividend Per Share	0.919	0.658	0.483	0.694	0.613	0.210
Dividend Growth	68.59%	36.09%	-30.41%	13.29%	191.91%	-44.66%
Effective Tax Rate	31.70%	34.21%	35.82%	34.73%	35.18%	37.17%

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