Nawi Group 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	434.69	375.03	372.37	251.76	167.23	136.02
Total Interest Expense	177.89	137.59	143.09	59.91	21.91	17.5
Net Interest Income	256.81	237.44	229.28	191.85	145.32	118.52
Revenue Before Loan Losses	256.81	237.44	229.28	191.85	145.32	118.52
Provision for Loan Losses	13.91	13.72	29.27	-5.12	-17.24	4.45
Revenue	242.89	223.73	200.01	196.97	162.56	114.08
Revenue Growth (YoY)	17.97%	11.86%	1.54%	21.16%	42.50%	13.08%
Cost of Services Provided	27.06	22.71	20.94	20.72	20.84	15.83
Other Operating Expenses	0.48	0.48	0.56	0.92	0.47	0.5
Total Operating Expenses	27.54	23.18	21.51	21.64	21.31	16.33
Operating Income	215.36	200.54	178.5	175.32	141.25	97.75
EBT Excluding Unusual Items	281.25	205.48	183.81	176.65	143.05	97.75
Gain (Loss) on Sale of Investments	-	-3.88	-	-	-	-
Pretax Income	281.25	201.6	183.81	176.65	143.05	97.75
Income Tax Expense	49.65	44.79	41.11	40.4	32.94	23.38
Net Income	231.6	156.81	142.7	136.25	110.11	74.37
Net Income to Common	231.6	156.81	142.7	136.25	110.11	74.37
Net Income Growth	59.67%	9.89%	4.73%	23.74%	48.05%	42.19%
Shares Outstanding (Basic)	33	33	33	33	33	33
Shares Outstanding (Diluted)	33	33	33	33	33	33
Shares Change (YoY)	0.02%	-	-	-	-	-
EPS (Basic)	7.07	4.79	4.36	4.16	3.36	2.27
EPS (Diluted)	7.07	4.79	4.36	4.16	3.36	2.27
EPS Growth	59.63%	9.89%	4.73%	23.74%	48.05%	42.19%
Free Cash Flow	-1,048	-258.51	229.42	-98.37	-281.77	503.77
Free Cash Flow Per Share	-32.02	-7.90	7.01	-3.00	-8.61	15.39
Dividend Per Share	3.362	2.460	2.287	1.943	1.941	1.130
Dividend Growth	-18.13%	7.58%	17.70%	0.09%	71.76%	-
Operating Margin	88.66%	89.64%	89.25%	89.01%	86.89%	85.69%
Profit Margin	95.35%	70.09%	71.35%	69.17%	67.73%	65.20%
Free Cash Flow Margin	-431.64%	-115.55%	114.70%	-49.94%	-173.33%	441.61%
Effective Tax Rate	17.65%	22.22%	22.36%	22.87%	23.03%	23.91%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.