Bank of Jerusalem Ltd. (TLV:JBNK)

Bank of Jerusalem Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,496	1,487	1,371	906.7	628.7	521.5
Interest Paid on Deposits	790.7	783.8	639.2	311.5	174.5	100.8
Net Interest Income	705.6	703.6	731.7	595.2	454.2	420.7
Net Interest Income Growth (YoY)	-2.24%	-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	16.3	4.6	-6.7	5.6	-3.5	6.5
Other Non-Interest Income	240	199.4	167.5	188.5	150.7	162.7
Total Non-Interest Income	256.3	204	160.8	218.6	160.5	169.2
Non-Interest Income Growth (YoY)	36.40%	26.87%	-26.44%	36.20%	-5.14%	2.48%
Revenues Before Loan Losses	961.9	907.6	892.5	813.8	614.7	589.9
Provision for Loan Losses	60.7	79.7	133.3	78.8	-58.9	102.4
Revenue	901.2	827.9	759.2	735	673.6	487.5
Revenue Growth (YoY)	13.87%	9.05%	3.29%	9.12%	38.17%	-11.04%
Salaries and Employee Benefits	278.2	259.8	254.3	221.9	207.3	179.4
Occupancy Expenses	147.7	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	180.5	170.6	147.9	130.5	116.8	100.5
Total Non-Interest Expense	627.3	590.9	546.2	490	451.6	402.5
EBT Excluding Unusual Items	273.9	237	213	245	222	85
Other Unusual Items	7.4	7.4	-	6.1	-	-5.1
Pretax Income	281.3	244.4	213	251.1	222	79.9
Income Tax Expense	94.4	83.6	76.3	87.2	78.1	29.7
Earnings From Continuing Operations	186.9	160.8	136.7	163.9	143.9	50.2
Minority Interest in Earnings	-7.9	-6.2	-2.1	-0.5	-	-
Net Income	179	154.6	134.6	163.4	143.9	50.2
Net Income to Common	179	154.6	134.6	163.4	143.9	50.2
Net Income Growth	20.21%	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)	2.53	2.19	1.91	2.32	2.04	0.71
EPS (Diluted)	2.53	2.19	1.91	2.32	2.04	0.71
EPS Growth	19.56%	14.86%	-17.63%	13.55%	186.65%	-43.85%
Dividend Per Share	0.290	0.658	0.483	0.694	0.613	0.210
Dividend Growth	-46.84%	36.09%	-30.41%	13.29%	191.91%	-44.66%
Effective Tax Rate	33.56%	34.21%	35.82%	34.73%	35.18%	37.17%

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