TLV: JCFN Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2022	FY 2021	FY 2020
Period Ending	Sep '23 Sep 30, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	145.41	109.02	48.62	0.8
Total Interest Expense	61.55	32.17	11.62	0.16
Net Interest Income	83.86	76.85	37	0.64
Revenue Before Loan Losses	83.86	76.85	37	0.64
Provision for Loan Losses	6.45	6.56	2.17	1.42
Revenue	77.41	70.29	34.83	-0.78
Revenue Growth (YoY)	16.44%	101.81%	-	-
Cost of Services Provided	9.89	8.54	3.23	0.3
Total Operating Expenses	9.89	8.54	3.23	0.3
Operating Income	67.52	61.75	31.6	-1.08
Pretax Income	67.52	61.75	31.6	-1.08
Income Tax Expense	15.53	14.26	7.27	-0.25
Net Income	51.99	47.49	24.33	-0.83
Net Income to Common	51.99	47.49	24.33	-0.83
Net Income Growth	13.50%	95.19%	-	-
Shares Outstanding (Basic)	26	25	7	2
Shares Outstanding (Diluted)	26	25	7	2
Shares Change (YoY)	20.60%	261.93%	313.32%	-
EPS (Basic)	2.01	1.94	3.59	-0.51
EPS (Diluted)	2.01	1.94	3.59	-0.51
EPS Growth	-5.89%	-46.07%	-	-
Free Cash Flow	15.89	-149.39	-18.31	12.58
Free Cash Flow Per Share	0.61	-6.09	-2.70	7.67
Operating Margin	87.22%	87.85%	90.72%	-
Profit Margin	67.16%	67.56%	69.85%	-
Free Cash Flow Margin	20.52%	-212.54%	-52.56%	-
Effective Tax Rate	23.00%	23.09%	23.00%	-

Source: S&P Capital IQ. Financial Services template. Financial Sources.