Bank Leumi concludes Q3 2025 with an 18% increase in the net income, totaling NIS 2.7 billion ($817 million); ROE - 16.3%; Total dividend - NIS 2 billion ($605 million), 75% of the net income

Contributing sentiments towards policy:

64% : These initiatives are part of Leumi's policy to expand the Bank of Israel's relief program, publishing its own comprehensive relief program (in several stages) to business and retail customers from across Israel in 2025.
56% : * Leumi continues to present a low efficiency ratio - among the best in the global financial system: 27% * Responsible growth in the loan portfolio - 1.3% in the quarter and 8.8% since the beginning of the year * Loan portfolio quality: NPL ratio among the lowest in the banking system - 0.41% * Robust financial indicators: Tier 1 capital ratio of 12.33%, total capital ratio of 14.87% and liquidity coverage ratio of 128% TEL AVIV, Israel , Nov. 18, 2025 /PRNewswire/ -- Bank Leumi (TASE: LUMI) published today its financial statements for Q3 2025: Net income in the third quarter of 2025 amounted to NIS 2.7 billion ($817 million), compared to NIS 2.3 billion ($696 million) in the corresponding period last year - an 18% increase.
54% : For the three months ended September 30 Change in NIS million Change in % 2025 2024 Net Interest income 4,471 4,545 (74) (1.6) Loan loss expenses 32 312 (280) (89.7) Non-interest income 1,490 978 512 52.4 Operating and other expenses 1,609 1,716 (107) (6.2) Profit before tax 4,320 3,495 (825) 23.6 Provision for tax 1,719 1,285 434 33.8 Profit after tax 2,601 2,210 391 17.7 The Bank's share in profits of associates 99 83 16 19.3 Net income attributable to the bank's shareholders 2,700 2,293 407 17.7 Return on equity (%) 16.3 15.5 Earnings per share (NIS) 1.81 1.51 For the nine months ended September 30 Change in NIS million Change in % 2025 2024 Net Interest income 13,028 12,690 338 2.7 Loan loss expenses 310 516 (206) (39.9) Non-interest income 4,304 4,871 (567) (11.6) Operating and other expenses 4,950 5,192 (242) (4.7) Profit before tax 12,072 11,853 219 1.8 Provision for tax 4,634 4,128 506 12.3 Profit after tax 7,438 7,725 (287) (3.7) The Bank's share in profits (losses) of associates 275 (378) 653 - Net income attributable to the bank's shareholders 7,713 7,347 366 5 Return on equity (%) 16 17.1 Earnings per share (NIS) 5.15 4.83 Development of Balance Sheet Items (in NIS millions) As at September 30 Change in % 2025 2024 Net loans to the public 495,387 446,951 10.8 Deposits by the public 641,123 588,305 9 Shareholders' equity 67,043 60,258 11.3 Total assets 827,113 753,639 9.7 Principal Financial Ratios (%) As at September 30 2025 2024 Net loans to the public to total assets 59.9 59.3 Deposits by the public to total assets 77.5 78.1 Total equity to risk assets 14.87 14.77 Tier 1 capital to risk assets 12.33 12.07 Leverage ratio 7.13 7.01 Liquidity coverage ratio 128 124 The data in this press release has been converted into US dollars solely for convenience purposes, at the representative exchange rate published by the Bank of Israel on September 30, 2025 - NIS 3.306.
54% : Conference Call Details A conference call for analysts and investors will be held on the same day at 5 PM (Israel); 3 PM (UK); 10 AM (ET) to discuss the results.

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