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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 26, 2026	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
Market Capitalization	1,606	1,243	890	807	935	548
Market Cap Growth	26.07%	39.70%	10.32%	-13.73%	70.68%	-9.57%
Last Close Price	22.78	16.89	11.60	10.09	10.67	6.15
PE Ratio	8.33	8.04	6.61	4.94	6.50	10.91
PS Ratio	1.72	1.50	1.17	1.10	1.39	1.12
PB Ratio	0.99	0.83	0.65	0.64	0.83	0.55
P/FCF Ratio	-	19.70	2.89	5.28	9.13	6.48
P/OCF Ratio	-	6.98	2.13	3.53	5.17	3.56
Debt / Equity Ratio	1.59	1.90	2.64	2.24	2.42	1.84
Debt / FCF Ratio	-	45.08	11.70	18.42	26.64	21.76
Net Debt / Equity Ratio	-1.03	-1.55	-1.15	-0.49	-0.73	-1.31
Net Debt / FCF Ratio	4.29	-36.70	-5.09	-4.07	-8.03	-15.51
Return on Equity (ROE)	13.16%	11.23%	10.42%	13.76%	13.53%	5.12%
Return on Assets (ROA)	0.91%	0.73%	0.67%	0.92%	0.91%	0.34%
Earnings Yield	12.01%	12.44%	15.13%	20.26%	15.39%	9.16%
FCF Yield	-24.24%	5.08%	34.62%	18.95%	10.95%	15.42%
Dividend Yield	3.99%	3.89%	4.17%	6.88%	5.74%	3.41%
Payout Ratio	33.59%	24.90%	52.45%	26.38%	10.49%	23.51%
Total Shareholder Return	3.85%	3.89%	4.17%	6.88%	5.74%	3.41%

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