Bank of Jerusalem Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,466	1,487	1,371	906.7	628.7
Interest Paid on Deposits	762.2	783.8	639.2	311.5	174.5
Net Interest Income	703.9	703.6	731.7	595.2	454.2
Net Interest Income Growth (YoY)	0.04%	-3.84%	22.93%	31.04%	7.96%
Gain (Loss) on Sale of Assets	-	-	-	24.5	13.3
Gain (Loss) on Sale of Investments	9.8	4.6	-6.7	5.6	-3.5
Other Non-Interest Income	279.4	199.4	167.5	188.5	150.7
Total Non-Interest Income	289.2	204	160.8	218.6	160.5
Non-Interest Income Growth (YoY)	41.77%	26.87%	-26.44%	36.20%	-5.14%
Revenues Before Loan Losses	993.1	907.6	892.5	813.8	614.7
Provision for Loan Losses	52.4	79.7	133.3	78.8	-58.9
Revenue	940.7	827.9	759.2	735	673.6
Revenue Growth (YoY)	13.63%	9.05%	3.29%	9.12%	38.17%
Salaries and Employee Benefits	290.8	259.8	254.3	221.9	207.3
Occupancy Expenses	157.2	139.6	126.8	112.6	105.5
Selling, General & Administrative	14.4	20.9	17.2	25	22
Other Non-Interest Expense	199.6	170.6	147.9	130.5	116.8
Total Non-Interest Expense	662	590.9	546.2	490	451.6
EBT Excluding Unusual Items	278.7	237	213	245	222
Other Unusual Items	6.2	7.4	-	6.1	-
Pretax Income	284.9	244.4	213	251.1	222
Income Tax Expense	81.5	83.6	76.3	87.2	78.1
Earnings From Continuing Operations	203.4	160.8	136.7	163.9	143.9
Minority Interest in Earnings	-8.8	-6.2	-2.1	-0.5	-
Net Income	194.6	154.6	134.6	163.4	143.9
Net Income to Common	194.6	154.6	134.6	163.4	143.9
Net Income Growth	25.87%	14.86%	-17.63%	13.55%	186.65%
Basic Shares Outstanding	71	71	71	71	71
Diluted Shares Outstanding	71	71	71	71	71
EPS (Basic)	2.76	2.19	1.91	2.32	2.04
EPS (Diluted)	2.76	2.19	1.91	2.32	2.04
EPS Growth	25.87%	14.86%	-17.63%	13.55%	186.65%
Dividend Per Share	-	0.658	0.483	0.694	0.613
Dividend Growth	-	36.09%	-30.41%	13.29%	191.91%
Effective Tax Rate	28.61%	34.21%	35.82%	34.73%	35.18%

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