Peninsula Group 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	224.91	183.23	167.2	140.98	153.29
Total Interest Expense	65.95	54.26	44.21	22.61	13.58
Net Interest Income	158.96	128.97	122.99	118.37	139.72
Other Revenue	-	-	-	-	-2.76
Revenue Before Loan Losses	158.96	128.97	122.99	118.37	138.04
Provision for Loan Losses	26.2	21.84	15.26	9.52	9.1
Revenue	132.76	107.13	107.73	108.85	128.94
Revenue Growth (YoY)	23.93%	-0.56%	-1.03%	-15.58%	6.99%
Salaries & Employee Benefits	0.46	1.03	0.76	-	-
Cost of Services Provided	36.9	35.8	34.17	40.1	32.27
Other Operating Expenses	1.64	1.83	0.8	1.43	-
Total Operating Expenses	38.99	38.65	35.73	41.52	32.27
Operating Income	93.77	68.48	72	67.32	96.66
Earnings From Equity Investments	-	-	-	-	0.77
Currency Exchange Gain (Loss)	-0.11	-0.66	-0.03	-2.45	-
EBT Excluding Unusual Items	93.66	67.82	71.97	64.88	97.44
Gain (Loss) on Sale of Investments	-	-	-	-	-0.23
Pretax Income	93.66	67.82	71.97	64.88	97.21
Income Tax Expense	21.73	16.51	18.17	16.14	28.56
Net Income	71.93	51.31	53.8	48.74	68.65
Net Income to Common	71.93	51.31	53.8	48.74	68.65
Net Income Growth	40.19%	-4.63%	10.39%	-29.01%	6.90%
Shares Outstanding (Basic)	223	222	228	235	234
Shares Outstanding (Diluted)	224	223	229	236	235
Shares Change (YoY)	0.53%	-2.56%	-3.00%	0.29%	2.33%
EPS (Basic)	0.32	0.23	0.24	0.21	0.29
EPS (Diluted)	0.32	0.23	0.23	0.21	0.29
EPS Growth	39.56%	-2.13%	14.08%	-29.45%	4.66%
Free Cash Flow	-173.84	105.81	359.01	-21.63	10.08
Free Cash Flow Per Share	-0.78	0.47	1.57	-0.09	0.04
Dividend Per Share	0.196	0.140	0.160	0.178	0.183
Dividend Growth	40.00%	-12.75%	-9.86%	-2.89%	-8.67%
Operating Margin	70.63%	63.92%	66.83%	61.85%	74.97%
Profit Margin	54.18%	47.89%	49.94%	44.78%	53.24%
Free Cash Flow Margin	-130.94%	98.77%	333.25%	-19.88%	7.81%
Effective Tax Rate	23.20%	24.35%	25.25%	24.88%	29.38%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.