TLV:MNIF Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	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
Interest and Dividend Income	504.8	423.29	331.91	183.94	122.05	98.16
Total Interest Expense	219.09	183.05	142.63	47.68	23.92	9.77
Net Interest Income	285.71	240.24	189.28	136.26	98.13	88.39
Other Revenue	0.12	0.11	0.12	0.07	0.07	0.06
Revenue Before Loan Losses	285.83	240.36	189.4	136.33	98.2	88.45
Provision for Loan Losses	-	-	-	-	-	34.06
Revenue	285.83	240.36	189.4	136.33	98.2	54.39
Revenue Growth (YoY)	27.50%	26.91%	38.93%	38.83%	80.56%	69.10%
Salaries & Employee Benefits	1.38	1.38	2.38	3.92	6.21	0.5
Cost of Services Provided	19.95	18.63	16.12	15.9	12.05	8.32
Other Operating Expenses	37.78	22.74	8.78	-5.47	8.21	5.13
Total Operating Expenses	59.11	42.75	27.28	14.35	26.47	36.8
Operating Income	226.72	197.61	162.12	121.98	71.73	17.59
Currency Exchange Gain (Loss)	0.04	0.04	-0.03	-0.03	-0.03	0.02
EBT Excluding Unusual Items	226.76	197.65	162.09	121.95	71.7	17.61
Gain (Loss) on Sale of Investments	0.03	0.02	-	-	1.93	-
Pretax Income	226.79	197.67	162.41	121.89	73.63	17.61
Income Tax Expense	52.67	45.81	37.91	29.18	18.46	9.49
Earnings From Continuing Ops.	174.11	151.86	124.51	92.71	55.17	8.12
Minority Interest in Earnings	-0	0.02	-0.09	0.22	0	0
Net Income	174.11	151.88	124.42	92.93	55.17	8.12
Net Income to Common	174.11	151.88	124.42	92.93	55.17	8.12
Net Income Growth	21.40%	22.07%	33.90%	68.42%	579.39%	-55.08%
Shares Outstanding (Basic)	60	60	60	60	60	41
Shares Outstanding (Diluted)	61	61	60	60	60	41
Shares Change (YoY)	1.19%	0.64%	-	-	47.12%	2.36%
EPS (Basic)	2.89	2.52	2.06	1.54	0.91	0.20
EPS (Diluted)	2.83	2.50	2.06	1.54	0.91	0.20
EPS Growth	19.40%	21.51%	33.90%	68.42%	361.80%	-56.11%
Free Cash Flow	-550.82	-422.08	-427.98	-820.89	-174.85	-252.23
Free Cash Flow Per Share	-8.97	-6.93	-7.08	-13.57	-2.89	-6.14
Dividend Per Share	1.006	0.848	0.322	0.661	0.661	-
Dividend Growth	13.45%	162.96%	-51.25%	0%	-	-
Operating Margin	79.32%	82.22%	85.60%	89.48%	73.04%	32.34%
Profit Margin	60.91%	63.19%	65.70%	68.16%	56.18%	14.93%
Free Cash Flow Margin	-192.71%	-175.61%	-225.97%	-602.15%	-178.05%	-463.78%
Effective Tax Rate	23.23%	23.18%	23.34%	23.94%	25.07%	53.89%
Revenue as Reported	504.92	423.4	332.03	184.01	122.12	98.21

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