Bank of Jerusalem Ratios and Metrics

Market cap in millions ILS. Fiscal year is January - December.

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 9, 2026	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
Market Capitalization	1,474	1,633	1,243	890	807	935
Market Cap Growth	19.16%	31.37%	39.70%	10.32%	-13.73%	70.68%
Last Close Price	20.90	22.66	16.53	11.35	9.87	10.44
PE Ratio	7.57	8.39	8.04	6.61	4.94	6.50
PS Ratio	1.57	1.74	1.50	1.17	1.10	1.39
PB Ratio	0.89	0.99	0.83	0.65	0.64	0.83
P/FCF Ratio	-	-	19.70	2.89	5.28	9.13
P/OCF Ratio	19.17	21.24	6.98	2.13	3.53	5.17
Debt / Equity Ratio	1.77	1.77	1.90	2.64	2.24	2.42
Debt / FCF Ratio	-	-	45.08	11.70	18.42	26.64
Net Debt / Equity Ratio	-1.15	-1.15	-1.55	-1.15	-0.49	-0.73
Net Debt / FCF Ratio	41.90	41.90	-36.70	-5.09	-4.07	-8.03
Return on Equity (ROE)	12.93%	12.93%	11.23%	10.42%	13.76%	13.53%
Return on Assets (ROA)	0.89%	0.89%	0.73%	0.67%	0.92%	0.91%
Earnings Yield	13.20%	11.92%	12.44%	15.13%	20.26%	15.39%
FCF Yield	-3.07%	-2.77%	5.08%	34.62%	18.95%	10.95%
Dividend Yield	4.40%	-	3.98%	4.26%	7.04%	5.87%
Payout Ratio	33.30%	33.30%	24.90%	52.45%	26.38%	10.49%
Total Shareholder Return	4.40%	-	3.98%	4.26%	7.04%	5.87%

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