Financials Bank Leumi le-Israel B.M.

Equities

Market Closed - TEL AVIV STOCK EXCHANGE Other stock markets 10:29:36 2025-12-11 am EST			5-day change	1st Jan Change
7,400.00 ^ILa	+0.19%		+2.78%	+70.70%

Nov. 28	Alerts incorrectly tagged to Bank Leumi Le Israel BM withdrawn	RE
Nov. 18	Bank Leumi le-Israel B.M., Q3 2025 Earnings Call, Nov 18, 2025

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	13,089	15,857	18,229	21,178	23,108	23,328	24,585	26,581
Change	-	21.15%	14.96%	16.18%	9.11%	0.95%	5.39%	8.12%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	6,043	8,429	7,830	14,284	-	16,063	17,921	19,390
Change	-	39.48%	-7.11%	82.43%	-	-	11.57%	8.2%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	3,491	9,241	10,896	11,901	-	-	-	-
Change	-	164.71%	17.91%	9.22%	-	-	-	-
Net income	2,102	6,028	7,709	7,027	-	-	-	-
Change	-	186.77%	27.89%	-8.85%	-	-	-	-
Announcement Date	3/9/21	3/9/22	3/14/23	3/19/24	3/4/25	-	-	-

¹ILS in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2024 Q1	2025 Q1	2025 Q2
Net sales ¹	3,603	3,722	4,306	3,911	3,918	3,849	4,682	4,269	5,429	4,999	5,696	5,336	-	-	5,986
Change	-	3.3%	15.69%	-9.17%	0.18%	-1.76%	21.64%	-8.82%	27.17%	-7.92%	13.94%	-6.32%	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	1,778	1,883	2,448	2,056	2,042	2,055	2,869	2,598	3,700	3,370	3,377	3,614	-	-	4,376
Change	-	5.91%	30.01%	-16.01%	-0.68%	0.64%	39.61%	-9.45%	42.42%	-8.92%	0.21%	7.02%	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	1,508	2,095	2,606	2,415	2,125	2,095	2,915	2,499	3,387	2,964	3,695	2,623	-	-	-
Change	-	38.93%	24.39%	-7.33%	-12.01%	-1.41%	39.14%	-14.27%	35.53%	-12.49%	24.66%	-29.01%	-	-	-
Net income	890	1,340	1,667	1,551	1,470	1,609	1,992	1,782	2,326	981	2,453	1,767	2,785	2,403	-
Change	-	50.56%	24.4%	-6.96%	-5.22%	9.46%	23.8%	-10.54%	30.53%	-57.82%	150.05%	-27.97%	57.61%	-13.72%	-
Announcement Date	3/9/21	5/27/21	8/12/21	11/16/21	3/9/22	5/24/22	8/16/22	11/29/22	3/14/23	5/23/23	8/15/23	11/29/23	5/28/24	5/20/25	8/13/25

¹ILS in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	3/9/21	3/9/22	3/14/23	3/19/24	3/4/25	-	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	942	594	543	765	833	737
Change	-	-36.94%	-8.59%	40.88%	8.89%	-11.52%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	2/26/20	3/9/21	3/9/22	3/14/23	3/19/24	3/4/25

¹ILS in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	46.17%	53.16%	42.95%	67.45%	-	68.86%	72.89%	72.95%
EBT Margin (%)	-	26.67%	58.28%	59.77%	56.2%	-	-	-	-
Net margin (%)	-	16.06%	38.01%	42.29%	33.18%	-	-	-	-
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	-	-	-	-	-	-	-	-
ROE	-	5.7%	15%	17%	13.7%	16.2%	16.11%	15.6%	15.97%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	-	1.78	-	-	1.925	2.44	2.907	3.243
Change	-	-	-	-	-	-	26.72%	19.17%	11.55%
Book Value Per Share ¹	-	24.37	28.64	-	-	-	-	-	-
Change	-	-	17.52%	-	-	-	-	-	-
EPS ¹	-	1.44	4.15	5.14	4.58	-	6.71	8.63	10.43
Change	-	-	188.19%	23.86%	-10.89%	-	-	28.61%	20.86%
Nbr of stocks (in thousands)	-	1,452,896	1,452,896	1,471,981	1,471,981	1,503,882	1,486,983	1,486,983	1,486,983
Announcement Date	-	3/9/21	3/9/22	3/14/23	3/19/24	3/4/25	-	-	-