TLV:MNIF 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 and Dividend Income	532.83	423.29	331.91	183.94	122.05
Total Interest Expense	226.81	183.05	142.63	47.68	23.92
Net Interest Income	306.01	240.24	189.28	136.26	98.13
Other Revenue	0.13	0.11	0.12	0.07	0.07
Revenue Before Loan Losses	306.14	240.36	189.4	136.33	98.2
Revenue	306.14	240.36	189.4	136.33	98.2
Revenue Growth (YoY)	27.37%	26.91%	38.93%	38.83%	80.56%
Salaries & Employee Benefits	2.38	1.38	2.38	3.92	6.21
Cost of Services Provided	21.61	18.63	16.12	15.9	12.05
Other Operating Expenses	37.19	22.74	8.78	-5.47	8.21
Total Operating Expenses	61.17	42.75	27.28	14.35	26.47
Operating Income	244.97	197.61	162.12	121.98	71.73
Currency Exchange Gain (Loss)	-0.01	0.04	-0.03	-0.03	-0.03
EBT Excluding Unusual Items	244.96	197.65	162.09	121.95	71.7
Gain (Loss) on Sale of Investments	0.01	0.02	-	-	1.93
Pretax Income	243.4	197.67	162.41	121.89	73.63
Income Tax Expense	57.26	45.81	37.91	29.18	18.46
Earnings From Continuing Ops.	186.14	151.86	124.51	92.71	55.17
Minority Interest in Earnings	0.08	0.02	-0.09	0.22	0
Net Income	186.23	151.88	124.42	92.93	55.17
Net Income to Common	186.23	151.88	124.42	92.93	55.17
Net Income Growth	22.61%	22.07%	33.90%	68.42%	579.39%
Shares Outstanding (Basic)	61	60	60	60	60
Shares Outstanding (Diluted)	62	61	60	60	60
Shares Change (YoY)	1.38%	0.64%	-	-	47.12%
EPS (Basic)	3.08	2.52	2.06	1.54	0.91
EPS (Diluted)	3.02	2.50	2.06	1.54	0.91
EPS Growth	20.80%	21.51%	33.90%	68.42%	361.80%
Free Cash Flow	-324.06	-422.08	-427.98	-820.89	-174.85
Free Cash Flow Per Share	-5.25	-6.93	-7.08	-13.57	-2.89
Dividend Per Share	1.313	0.848	0.322	0.661	0.661
Dividend Growth	54.87%	162.96%	-51.25%	0%	-
Operating Margin	80.02%	82.22%	85.60%	89.48%	73.04%
Profit Margin	60.83%	63.19%	65.70%	68.16%	56.18%
Free Cash Flow Margin	-105.85%	-175.61%	-225.97%	-602.15%	-178.05%
Effective Tax Rate	23.52%	23.18%	23.34%	23.94%	25.07%
Revenue as Reported	532.95	423.4	332.03	184.01	122.12

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