S.R. Accord 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	209.98	186.59	191.18	181.51	133.45	114.12
Total Interest Expense	72.81	62.75	54.75	37.39	17.69	15.66
Net Interest Income	137.17	123.84	136.43	144.12	115.77	98.46
Revenue Before Loan Losses	137.17	123.84	136.43	144.12	115.77	98.46
Provision for Loan Losses	8.4	11.02	24.07	17.78	3.7	7.21
Revenue	128.77	112.83	112.36	126.34	112.07	91.25
Revenue Growth (YoY)	9.95%	0.42%	-11.06%	12.73%	22.81%	4.19%
Salaries & Employee Benefits	11.57	11.57	10.86	10.04	0.42	0.29
Cost of Services Provided	8.31	4.82	6.29	6.86	15.79	12.67
Other Operating Expenses	1.98	5.5	6.29	7.53	5.56	9.62
Total Operating Expenses	23.46	23.49	25.17	26.17	21.77	22.58
Operating Income	105.31	89.34	87.19	100.17	90.3	68.68
Earnings From Equity Investments	3.07	-0.29	-0.03	0.83	-	-
EBT Excluding Unusual Items	108.66	89.33	87.55	99.53	90.3	68.68
Gain (Loss) on Sale of Investments	-0.15	-0.15	-3.23	-3.17	-0.23	0.39
Pretax Income	111.22	95.15	85.97	98.27	91.92	73.28
Income Tax Expense	25.77	21.81	18.73	19.19	21.36	17.31
Earnings From Continuing Ops.	85.45	73.35	67.24	79.08	70.56	55.98
Minority Interest in Earnings	-5.26	-3.77	-1.9	-0	-	-
Net Income	80.19	69.57	65.35	79.08	70.56	55.98
Net Income to Common	80.19	69.57	65.35	79.08	70.56	55.98
Net Income Growth	17.52%	6.47%	-17.36%	12.07%	26.05%	0.26%
Shares Outstanding (Basic)	13	13	13	14	14	13
Shares Outstanding (Diluted)	13	13	13	14	14	13
Shares Change (YoY)	-0.32%	-1.37%	-1.65%	-0.16%	2.51%	11.31%
EPS (Basic)	6.11	5.30	4.91	5.85	5.21	4.24
EPS (Diluted)	6.11	5.30	4.91	5.85	5.21	4.24
EPS Growth	17.89%	7.95%	-15.97%	12.24%	22.97%	-9.85%
Free Cash Flow	17.66	-15.3	157.48	-38.09	-26.68	-172.98
Free Cash Flow Per Share	1.35	-1.17	11.84	-2.82	-1.97	-13.09
Dividend Per Share	2.973	2.668	-	1.853	2.362	2.380
Dividend Growth	329.29%	-	-	-21.55%	-0.74%	-3.64%
Operating Margin	81.78%	79.18%	77.60%	79.29%	80.57%	75.26%
Profit Margin	62.28%	61.66%	58.16%	62.59%	62.96%	61.34%
Free Cash Flow Margin	13.72%	-13.56%	140.15%	-30.15%	-23.81%	-189.55%
Effective Tax Rate	23.17%	22.92%	21.79%	19.53%	23.24%	23.61%

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