TLV:MNIF Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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
Interest and Dividend Income	532.83	532.83	423.29	331.91	183.94	122.05
Total Interest Expense	226.45	226.81	183.05	142.63	47.68	23.92
Net Interest Income	306.38	306.01	240.24	189.28	136.26	98.13
Other Revenue	5.23	0.13	0.11	0.12	0.07	0.07
Revenue Before Loan Losses	311.61	306.14	240.36	189.4	136.33	98.2
Revenue	311.61	306.14	240.36	189.4	136.33	98.2
Revenue Growth (YoY)	22.46%	27.37%	26.91%	38.93%	38.83%	80.56%
Salaries & Employee Benefits	2.38	2.38	1.38	2.38	3.92	6.21
Cost of Services Provided	23.49	21.61	18.63	16.12	15.9	12.05
Other Operating Expenses	31.59	37.19	22.74	8.78	-5.47	8.21
Total Operating Expenses	57.46	61.17	42.75	27.28	14.35	26.47
Operating Income	254.15	244.97	197.61	162.12	121.98	71.73
Currency Exchange Gain (Loss)	-0.01	-0.01	0.04	-0.03	-0.03	-0.03
EBT Excluding Unusual Items	254.14	244.96	197.65	162.09	121.95	71.7
Gain (Loss) on Sale of Investments	0.01	0.01	0.02	-	-	1.93
Pretax Income	252.58	243.4	197.67	162.41	121.89	73.63
Income Tax Expense	57.98	57.26	45.81	37.91	29.18	18.46
Earnings From Continuing Ops.	194.6	186.14	151.86	124.51	92.71	55.17
Minority Interest in Earnings	0.08	0.08	0.02	-0.09	0.22	0
Net Income	194.68	186.23	151.88	124.42	92.93	55.17
Net Income to Common	194.68	186.23	151.88	124.42	92.93	55.17
Net Income Growth	22.47%	22.61%	22.07%	33.90%	68.42%	579.39%
Shares Outstanding (Basic)	61	61	60	60	60	60
Shares Outstanding (Diluted)	62	62	61	60	60	60
Shares Change (YoY)	1.50%	1.38%	0.64%	-	-	47.12%
EPS (Basic)	3.20	3.08	2.52	2.06	1.54	0.91
EPS (Diluted)	3.15	3.02	2.50	2.06	1.54	0.91
EPS Growth	20.20%	20.80%	21.51%	33.90%	68.42%	361.80%
Free Cash Flow	-203.43	-324.06	-422.08	-427.98	-820.89	-174.85
Free Cash Flow Per Share	-3.29	-5.25	-6.93	-7.08	-13.57	-2.89
Dividend Per Share	1.313	1.313	0.848	0.322	0.661	0.661
Dividend Growth	83.50%	54.87%	162.96%	-51.25%	0%	-
Operating Margin	81.56%	80.02%	82.22%	85.60%	89.48%	73.04%
Profit Margin	62.48%	60.83%	63.19%	65.70%	68.16%	56.18%
Free Cash Flow Margin	-65.28%	-105.85%	-175.61%	-225.97%	-602.15%	-178.05%
Effective Tax Rate	22.96%	23.52%	23.18%	23.34%	23.94%	25.07%
Revenue as Reported	538.06	532.95	423.4	332.03	184.01	122.12

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