Bank Hapoalim B.M. 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 Income on Loans	36,788	35,495	32,971	19,220	11,684
Interest Paid on Deposits	18,685	18,545	16,886	5,753	1,917
Net Interest Income	18,103	16,950	16,085	13,467	9,767
Net Interest Income Growth (YoY)	6.80%	5.38%	19.44%	37.88%	11.03%
Gain (Loss) on Sale of Assets	23	27	71	46	101
Gain (Loss) on Sale of Investments	687	-303	-281	-277	835
Other Non-Interest Income	5,743	5,286	5,507	4,684	3,689
Total Non-Interest Income	6,453	5,010	5,297	4,453	4,625
Non-Interest Income Growth (YoY)	28.80%	-5.42%	18.95%	-3.72%	5.62%
Revenues Before Loan Losses	24,556	21,960	21,382	17,920	14,392
Provision for Loan Losses	1,299	693	1,879	-34	-1,220
Revenue	23,257	21,267	19,503	17,954	15,612
Revenue Growth (YoY)	9.36%	9.04%	8.63%	15.00%	38.98%
Salaries and Employee Benefits	4,653	4,471	4,564	4,458	4,317
Occupancy Expenses	1,446	1,445	1,477	1,391	1,333
Selling, General & Administrative	173	199	185	155	159
Other Non-Interest Expense	2,132	2,892	2,005	1,968	1,994
Total Non-Interest Expense	8,362	9,073	8,213	7,873	7,754
EBT Excluding Unusual Items	14,895	12,194	11,290	10,081	7,858
Pretax Income	14,895	12,194	11,290	10,081	7,858
Income Tax Expense	5,093	4,559	3,930	3,548	2,958
Earnings From Continuing Operations	9,802	7,635	7,360	6,533	4,900
Minority Interest in Earnings	-	-	-	-1	14
Net Income	9,802	7,635	7,360	6,532	4,914
Net Income to Common	9,802	7,635	7,360	6,532	4,914
Net Income Growth	28.38%	3.74%	12.68%	32.93%	139.01%
Basic Shares Outstanding	1,319	1,335	1,337	1,337	1,336
Diluted Shares Outstanding	1,320	1,335	1,338	1,337	1,337
Shares Change (YoY)	-1.09%	-0.20%	0.03%	0.03%	0.03%
EPS (Basic)	7.43	5.72	5.50	4.89	3.68
EPS (Diluted)	7.42	5.72	5.50	4.89	3.68
EPS Growth	29.73%	4.00%	12.55%	32.88%	139.04%
Dividend Per Share	3.104	1.728	1.689	1.100	0.645
Dividend Growth	79.60%	2.36%	53.50%	70.55%	39.75%
Effective Tax Rate	34.19%	37.39%	34.81%	35.20%	37.64%

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