Financial Ratios Bank Leumi le-Israel B.M.

Equities

LUMI

IL0006046119

Banks

Market Closed - TEL AVIV STOCK EXCHANGE Other stock markets 10:29:12 2025-11-10 am EST			5-day change	1st Jan Change
6,697.00 ^ILa	+0.45%		-0.42%	+54.49%

Sep. 15	Bank Leumi Joins Tase's Tailor-Made Market-Making Program	CI
Aug. 27	Bank Leumi le-Israel B.M., Q2 2025 Earnings Call, Aug 13, 2025

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Published financial data: BANK LEUMI LE-ISRAEL B.M.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	10.18B	11.67B	18.8B	33.66B	37.46B
Interest Income, Total	10.18B	11.67B	18.8B	33.66B	37.46B
Interest On Deposits	1.45B	1.33B	5.58B	17.66B	20.95B
Interest Expense, Total	1.45B	1.33B	5.58B	17.66B	20.95B
Net Interest Income	8.72B	10.35B	13.21B	16B	16.51B
Gain (Loss) on Sale of Assets	-10M	156M	66M	27M	852M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	592M	1.05B	985M	-68M	73M
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	3.78B	4.31B	3.97B	5.22B	5.67B
Non Interest Income, Total	4.37B	5.51B	5.02B	5.18B	6.6B
Revenues Before Provison For Loan Losses	13.09B	15.86B	18.23B	21.18B	23.11B
Provision For Loan Losses	2.55B	-812M	498M	2.38B	713M
Total Revenues	10.54B	16.67B	17.73B	18.8B	22.4B
Salaries And Other Employee Benefits	3.75B	4.24B	3.93B	2.83B	3.79B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	678M	694M	1.36B	675M	613M
Selling General & Admin Expenses, Total	976M	979M	123M	1.01B	1.06B
(Income) Loss on Equity Invest.	13M	-101M	-387M	886M	271M
Total Other Non Interest Expense	1.64B	1.52B	1.42B	2.38B	1.44B
Non Interest Expense, Total	7.06B	7.33B	6.45B	7.78B	7.18B
EBT, Excl. Unusual Items	3.48B	9.34B	11.28B	11.02B	15.22B
Restructuring Charges	-	-	-	-	-
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	3.48B	9.34B	11.28B	11.02B	15.22B
Income Tax Expense	1.36B	3.28B	3.56B	3.99B	5.42B
Earnings From Continuing Operations	2.12B	6.07B	7.72B	7.03B	9.8B
Net Income to Company	2.12B	6.07B	7.72B	7.03B	9.8B
Minority Interest	-20M	-39M	-10M	-	-
Net Income - (IS)	2.1B	6.03B	7.71B	7.03B	9.8B
Net Income to Common Incl Extra Items	2.1B	6.03B	7.71B	7.03B	9.8B
Net Income to Common Excl. Extra Items	2.1B	6.03B	7.71B	7.03B	9.8B
Per Share Items
Net EPS - Basic	1.44	4.15	5.14	4.58	6.46
Basic EPS - Continuing Operations	1.44	4.15	5.14	4.58	6.46
Basic Weighted Average Shares Outstanding	1.46B	1.45B	1.5B	1.54B	1.52B
Net EPS - Diluted	1.44	4.15	5.14	4.58	6.46
Diluted EPS - Continuing Operations	1.44	4.15	5.14	4.58	6.46
Diluted Weighted Average Shares Outstanding	1.46B	1.45B	1.5B	1.54B	1.52B
Normalized Basic EPS	1.48	3.99	4.69	4.48	6.27
Normalized Diluted EPS	1.48	3.99	4.69	4.48	6.27
Dividend Per Share	-	1.78	1.16	1.14	1.93
Payout Ratio	14.13	33.13	21.6	29.61	26.22
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	38.99	35.06	31.59	36.21	35.62
Total Current Taxes	2.08B	2.85B	3.88B	4.68B	5.47B
Total Deferred Taxes	-729M	422M	-312M	-694M	-45M
Normalized Net Income	2.15B	5.8B	7.04B	6.88B	9.51B
Non-Cash Pension Expense	678M	647M	580M	-	515M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-7M	4M	4M	7M	3M
Total Stock-Based Compensation	-7M	4M	4M	7M	3M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	131B	194B	181B	102B	151B
Investment Securities, Total	87.9B	82.81B	87.27B	145B	117B
Trading Asset Securities, Total	19.28B	17.15B	28.9B	41.09B	36.75B
Mortgage Backed Securities	7.75B	7.73B	7.34B	11.07B	13.33B
Total investments	115B	108B	124B	198B	167B
Gross Loans	301B	348B	391B	428B	465B
Allowance For Loan Losses	-5.29B	-4.51B	-4.99B	-6.72B	-6.89B
Net Loans	296B	344B	386B	421B	458B
Gross Property Plant And Equipment	7.42B	7.2B	6.53B	6.6B	6.12B
Accumulated Depreciation	-4.35B	-4.36B	-3.99B	-3.86B	-3.65B
Net Property Plant And Equipment	3.07B	2.83B	2.54B	2.74B	2.47B
Goodwill	15M	14M	-	-	-
Other Intangibles, Total	794M	684M	764M	793M	944M
Accrued Interest Receivable	169M	189M	157M	235M	215M
Other Receivables	1.38B	239M	85M	147M	110M
Restricted Cash	1.95B	-	-	-	-
Other Current Assets, Total	244M	229M	207M	233M	251M
Deferred Tax Assets Long-Term (Collected)	6.26B	5.86B	5.2B	5.87B	5.94B
Other Real Estate Owned And Foreclosed	6M	9M	8M	10M	26M
Deferred Charges Long-Term	51M	52M	80M	91M	77M
Other Long-Term Assets, Total	516M	613M	95M	84M	97M
Total Assets	556B	656B	699B	731B	786B
Liabilities
Accrued Expenses, Total	1.5B	1.84B	1.77B	1.35B	1.52B
Interest Bearing Deposits	329B	379B	441B	430B	486B
Non-Interest Bearing Deposits	133B	183B	139B	159B	150B
Total Deposits	462B	563B	580B	589B	637B
Short-Term Borrowings	17.92B	17.83B	27.26B	40.41B	39.44B
Current Portion of Leases	148M	146M	108M	129M	118M
Long-Term Debt	16.3B	15.43B	27.8B	32.11B	31.97B
Long-Term Leases	783M	656M	459M	521M	453M
Current Income Taxes Payable	1.27B	1.18B	1.13B	1.84B	2.28B
Other Current Liabilities - (Bank / Utility Template)	4.49B	1.43B	1.31B	1.45B	1.97B
Unearned Revenue Non Current	339M	403M	452M	498M	649M
Pension & Other Post Retirement Benefits	11.55B	11.47B	8.4B	8.19B	7.38B
Deferred Tax Liability Non-Current	86M	86M	84M	80M	78M
Other Non Current Liabilities	1.17B	997M	1.31B	1.66B	1.52B
Total Liabilities	518B	614B	650B	677B	724B
Common Stock, Total	7.04B	7.04B	7.13B	7.11B	7.09B
Additional Paid In Capital	184M	184M	2.88B	2.31B	1.65B
Retained Earnings	33.18B	37.21B	42.77B	47.72B	54.95B
Comprehensive Income and Other	-2.74B	-2.82B	-3.35B	-2.65B	-2.04B
Total Common Equity	37.66B	41.61B	49.44B	54.5B	61.66B
Minority Interest	431M	442M	5M	5M	5M
Total Equity	38.1B	42.05B	49.44B	54.5B	61.66B
Total Liabilities And Equity	556B	656B	699B	731B	786B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.45B	1.45B	1.47B	1.43B	1.5B
ECS Total Common Shares Outstanding	1.45B	1.45B	1.47B	1.43B	1.5B
Book Value / Share	25.92	28.64	33.59	38.11	41.01
Tangible Book Value	36.86B	40.91B	48.67B	53.7B	60.71B
Tangible Book Value Per Share	25.37	28.16	33.07	37.55	40.38
Average Assets	513B	588B	669B	-	750B
Average Loans	286B	313B	362B	-	435B
Total Debt	35.15B	34.06B	55.64B	73.18B	71.98B
Debt Equivalent of Unfunded Proj. Benefit Obligation	11.55B	11.46B	8.4B	-	7.38B
Net Debt	-121B	-183B	-163B	-76.44B	-125B
Equity Method Investments, Total	795M	1.11B	4.95B	4.01B	3.58B
Full Time Employees	-	-	-	-	7.83K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.1B	6.03B	7.71B	7.03B	9.8B
Depreciation, Depletion & Amortization	181M	171M	147M	143M	141M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	181M	171M	147M	143M	141M
Amortization of Deferred Charges, Total	497M	523M	451M	532M	472M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-57M	-	-
(Gain) Loss On Sale of Asset - (CF)	7M	-119M	-52M	-22M	-852M
(Gain) Loss on Sale of Investments - (CF)	-650M	-1.03B	-821M	-22M	-54M
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	2.55B	-812M	498M	2.38B	713M
(Income) Loss On Equity Investments - (CF)	26M	114M	-282M	1.1B	672M
Stock-Based Compensation (CF)	-	-	4M	7M	3M
Change in Trading Asset Securities	-4.75B	1.22B	-12.67B	-772M	4.32B
Change in Other Net Operating Assets (Collected)	6.15B	-2.48B	11.35B	-7.98B	1.8B
Other Operating Activities	-555M	1.58B	-188M	-2.53B	-1.98B
Cash from Operations	5.56B	5.2B	6.09B	-133M	15.04B
Capital Expenditure	-594M	-543M	-765M	-833M	-737M
Sale of Property, Plant, and Equipment	11M	179M	112M	41M	1.03B
Divestitures	-	-	-904M	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	217M	-	-	-
Investment in Marketable and Equity Securities, Total	-8.92B	4.67B	-9.78B	-59.86B	28B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-16.47B	-47.79B	-61.65B	-37.6B	-36.62B
Other Investing Activities, Total	137M	-9M	91M	17M	4M
Cash from Investing	-25.84B	-43.27B	-72.89B	-98.23B	-8.32B
Long-Term Debt Issued, Total	5.47B	3.94B	13.1B	20.58B	7.67B
Total Debt Issued	5.47B	3.94B	13.1B	20.58B	7.67B
Long-Term Debt Repaid, Total	-8.25B	-	-61M	-6.87B	-10.1B
Total Debt Repaid	-8.25B	-	-61M	-6.87B	-10.1B
Issuance of Common Stock	-	-	2.74B	-	-
Repurchase of Common Stock	-250M	-	-	-600M	-682M
Common Dividends Paid	-297M	-2B	-1.66B	-2.08B	-2.57B
Common & Preferred Stock Dividends Paid	-297M	-2B	-1.66B	-2.08B	-2.57B
Net Increase (Decrease) in Deposit Accounts - (CF)	83.87B	101B	38.36B	9B	50.48B
Other Financing Activities, Total	-39M	-3.1B	-	-	-2.73B
Cash from Financing	80.51B	100B	52.47B	20.03B	42.07B
Foreign Exchange Rate Adjustments	-1.27B	-557M	740M	173M	-619M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	58.95B	61.61B	-13.59B	-78.17B	48.17B
Supplemental Items
Cash Interest Paid	2.52B	1.41B	3.46B	14.08B	20.78B
Cash Income Tax Paid (Refund)	1.49B	2.96B	2.31B	4.28B	5.08B
Net Debt Issued / Repaid	-2.78B	3.94B	13.04B	13.71B	-2.43B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.41	1	1.14	0.98	1.29
Return On Equity %	5.74	15.14	16.87	13.52	16.87
Return on Common Equity	5.75	15.21	16.93	13.52	16.87
Shareholders Value Added	-2.28B	1.27B	2.25B	791M	2.83B
Margin Analysis
SG&A Margin	43.18	30.42	30.52	19.41	20.34
Net Interest Income / Total Revenues %	82.78	62.07	74.51	85.11	73.72
EBT Excl. Non-Recurring Items Margin %	33.01	56.04	63.63	58.61	67.96
Income From Continuing Operations Margin %	20.14	36.4	43.53	37.39	43.75
Net Income Margin %	19.95	36.16	43.48	37.39	43.75
Net Avail. For Common Margin %	19.95	36.16	43.48	37.39	43.75
Normalized Net Income Margin	20.44	34.79	39.72	36.63	42.48
Asset quality
Nonperforming Loans / Total Loans %	1.15	0.74	0.49	-	0.49
Nonperforming Loans / Total Assets %	0.62	0.4	0.27	-	0.29
Nonperforming Assets / Total Assets %	0.63	0.4	0.27	-	0.3
NPAs / Loans and OREO	1.15	0.75	0.49	-	0.5
NPAs / Equity	9.13	6.19	3.88	-	3.76
Allowance for Credit Losses / Net Charge-offs %	1K	-5.01K	1.89K	-	1.56K
Allowance for Credit Losses / Nonperforming Loans %	152.49	174.01	261.32	-	300.09
Allowance for Credit Losses / Total Loans %	1.76	1.3	1.28	1.57	1.48
Net Charge-offs / Total Average Loans %	0.18	-0.03	0.07	-	0.1
Provision for Loan Losses / Net Charge-offs %	482.42	902.22	188.64	-	161.31
Earning Assets / IBL	138.83	145.44	139.79	-	134.62
Interest Income / Average Assets	1.98	1.99	2.81	-	5
Interest Expense / Average Assets	0.28	0.23	0.83	-	2.79
Net Interest Income / Average Assets	1.7	1.76	1.97	-	2.2
Non Interest Income / Average Assets	0.85	0.94	0.75	-	0.88
Non Interest Expense / Average Asset	1.38	1.25	0.96	-	0.96
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.13	6.54	6.72	7.26	7.66
Total Average Equity / Total Average Assets %	7.22	6.61	6.75	7.27	7.66
Total Equity + Allowance for Loan Losses / Total Loans %	14.26	13.24	13.92	14.3	14.74
Gross Loans / Total Deposits %	65.15	61.88	67.43	72.7	73.04
Net Loans / Total Deposits %	64.01	61.08	66.57	71.56	71.96
Tier 1 Capital Ratio %	11.87	11.5	11.46	-	12.17
Total Capital Ratio %	15.58	14.21	14.29	-	14.83
Core Tier 1 Capital Ratio	11.87	11.5	11.46	-	12.17
Tier 2 Capital Ratio	3.72	2.71	2.82	-	2.66
Coverage Ratio	131.62	153	-	-	2.66
Interbank Ratio	154.69	140.73	224.5	92.5	96.17
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.4	8.05	3.02	1.62	1.73
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.33	18.61	27.69	21.09	3.2
Non Interest Income, 1 Yr. Growth %	-14.07	26.23	-8.95	3.25	27.37
Provision For Loan Losses, 1 Yr. Growth %	319.05	-131.82	-161.33	378.51	-70.08
Total Revenues, 1 Yr. Growth %	-20.85	58.19	6.37	6	19.15
Earnings From Cont. Operations, 1 Yr. Growth %	-40.39	185.91	27.23	-8.96	39.43
Net Income, 1 Yr. Growth %	-40.32	186.77	27.89	-8.85	39.43
Normalized Net Income, 1 Yr. Growth %	-35.34	169.29	21.42	-2.24	38.18
Diluted EPS Before Extra, 1 Yr. Growth %	-39.24	188.12	23.83	-10.92	41.15
Dividend Per Share, 1 Yr. Growth %	-	-	-34.68	-1.71	68.41
Gross Loans, 1 Yr. Growth %	5.13	15.62	12.21	9.5	8.62
Allowance For Loan Losses, 1 Yr. Growth %	58.95	-14.71	10.51	34.72	2.53
Net Loans, 1 Yr. Growth %	4.5	16.17	12.24	9.17	8.72
Non Performing Loans, 1 Yr. Growth %	61.8	-25.25	-26.42	-	-36.43
Non Performing Assets, 1 Yr. Growth %	61.57	-25.25	-26.36	-	-35.88
Total Assets, 1 Yr. Growth %	18.61	18.06	6.51	4.62	7.39
Total Deposits, 1 Yr Growth %	21.64	21.75	2.97	1.57	8.11
Tangible Book Value, 1 Yr. Growth %	6.8	11.01	18.97	10.33	13.05
Average Interest Earning Assets, 1 Yr. Growth %	10.77	15.7	12.78	-	8.82
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.91	10.44	17.33	-	13.73
Common Equity, 1 Yr. Growth %	6.38	10.48	18.81	10.23	13.14
Total Equity, 1 Yr. Growth %	6.19	10.39	17.58	10.23	13.14
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.94	8.18	23.07	24.35	11.79
Non Interest Income, 2 Yr. CAGR %	-5.33	4.15	7.21	-3.04	14.68
Provision For Loan Losses, 2 Yr. CAGR %	121.75	15.47	-55.83	71.31	19.65
Total Revenues, 2 Yr. CAGR %	-10.8	11.9	29.72	6.19	12.39
Earnings From Cont. Operations, 2 Yr. CAGR %	-20.08	30.55	90.73	7.62	12.66
Net Income, 2 Yr. CAGR %	-19.66	30.83	91.51	7.97	12.74
Normalized Net Income, 2 Yr. CAGR %	-15.59	31.96	80.82	8.95	16.23
Diluted EPS Before Extra, 2 Yr. CAGR %	-18.16	32.31	88.89	5.03	12.13
Dividend Per Share, 2 Yr. CAGR %	-	36.59	-	-19.88	28.71
Gross Loans, 2 Yr. CAGR %	4.34	10.25	13.91	10.85	9.06
Allowance For Loan Losses, 2 Yr. CAGR %	25.62	16.44	-2.92	22.01	17.53
Net Loans, 2 Yr. CAGR %	4.05	10.18	14.18	10.69	8.95
Non Performing Loans, 2 Yr. CAGR %	18.39	9.97	-25.84	-	-
Non Performing Assets, 2 Yr. CAGR %	18.31	9.96	-25.81	-	-
Total Assets, 2 Yr. CAGR %	9.85	18.34	12.13	5.56	6
Total Deposits, 2 Yr CAGR %	11.69	21.69	11.96	2.27	4.79
Tangible Book Value, 2 Yr. CAGR %	3.28	8.88	14.92	14.57	11.69
Average Interest Earning Assets, 2 Yr. CAGR %	6.14	13.21	14.23	-	6.4
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.38	10.17	13.83	-	22.92
Common Equity, 2 Yr. CAGR %	3.29	8.41	14.57	14.44	11.68
Total Equity, 2 Yr. CAGR %	2.64	8.27	13.92	13.84	11.68
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.73	5.19	14.33	22.4	16.86
Non Interest Income, 3 Yr. CAGR %	-6.5	4.2	-0.42	5.87	6.19
Provision For Loan Losses, 3 Yr. CAGR %	145.73	16.09	-6.49	-2.26	-4.24
Total Revenues, 3 Yr. CAGR %	-7.27	7.97	10.02	21.28	10.34
Earnings From Cont. Operations, 3 Yr. CAGR %	-12.81	22.23	29.43	49.05	17.32
Net Income, 3 Yr. CAGR %	-12.82	22.78	29.84	49.52	17.58
Normalized Net Income, 3 Yr. CAGR %	-10.75	24.26	28.35	47.31	17.93
Diluted EPS Before Extra, 3 Yr. CAGR %	-11.54	24.5	29.42	47.03	15.9
Dividend Per Share, 3 Yr. CAGR %	-	27.13	6.81	-	2.66
Gross Loans, 3 Yr. CAGR %	3.48	7.97	10.9	12.42	10.1
Allowance For Loan Losses, 3 Yr. CAGR %	18.08	10.41	14.43	8.29	15.14
Net Loans, 3 Yr. CAGR %	3.28	7.94	10.86	12.49	10.03
Non Performing Loans, 3 Yr. CAGR %	8.54	1.56	-3.81	-	-3.99
Non Performing Assets, 3 Yr. CAGR %	8.45	1.56	-3.8	-	-3.74
Total Assets, 3 Yr. CAGR %	7.24	12.52	14.25	9.57	6.17
Total Deposits, 3 Yr CAGR %	7.94	14.95	15.1	8.39	4.18
Tangible Book Value, 3 Yr. CAGR %	4.41	5.8	12.15	13.37	14.06
Average Interest Earning Assets, 3 Yr. CAGR %	5.23	9.23	13.06	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	5.26	8.39	12.51	-	-
Common Equity, 3 Yr. CAGR %	4.33	5.63	11.77	13.11	14.01
Total Equity, 3 Yr. CAGR %	4.32	5.16	11.29	12.68	13.61
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.15	6.57	10.43	12.47	13.3
Non Interest Income, 5 Yr. CAGR %	-7.06	0.68	-1.24	1.24	5.37
Provision For Loan Losses, 5 Yr. CAGR %	66.57	45.39	23.69	35.64	3.2
Total Revenues, 5 Yr. CAGR %	-4.43	5.13	6.05	7.26	10.96
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.83	16.49	19.25	16.16	22.44
Net Income, 5 Yr. CAGR %	-5.81	16.65	19.44	16.62	22.71
Normalized Net Income, 5 Yr. CAGR %	-5.27	15.65	18.38	17.89	23.35
Diluted EPS Before Extra, 5 Yr. CAGR %	-5.59	17.66	19.82	16.31	22.21
Dividend Per Share, 5 Yr. CAGR %	-	-	12.82	5.69	15.08
Gross Loans, 5 Yr. CAGR %	2.56	5.53	7.53	9.11	10.16
Allowance For Loan Losses, 5 Yr. CAGR %	7.58	5.25	9.19	14.91	15.66
Net Loans, 5 Yr. CAGR %	2.48	5.54	7.51	9.03	10.09
Non Performing Loans, 5 Yr. CAGR %	-0.09	-4.26	-6.8	-	1.37
Non Performing Assets, 5 Yr. CAGR %	-0.09	-4.27	-6.81	-	1.52
Total Assets, 5 Yr. CAGR %	5.95	8.4	9.17	9.68	10.88
Total Deposits, 5 Yr CAGR %	6.8	9.93	9.53	9.7	10.86
Tangible Book Value, 5 Yr. CAGR %	5.9	6.03	8.5	9.22	11.96
Average Interest Earning Assets, 5 Yr. CAGR %	5.15	6.5	8.74	-	10.35
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.38	4.97	8.61	-	10.86
Common Equity, 5 Yr. CAGR %	5.54	5.83	8.31	9.07	11.73
Total Equity, 5 Yr. CAGR %	5.53	5.81	8.06	8.55	11.44