First International Bank Of Israel Ltd · TASE:FIBI

First International Bank Of Israel — Q1 2024 Earnings Presentation

18 slides from First International Bank Of Israel's earnings presentation, Mar 31, 2024

  1. Slide 1: Financial Statements As of March 31, 2024

    FIBI Financial Statements As of March 31, 2024 The accessible presentation is available on the First International Bank’s website via the link: https://online.fibi.co.il/wps/portal/FibiMenu/MarketingEN/AnInformation/AnInvestorRelations/AnFinancialStatements/An2023

  2. Slide 2: Financial Strength and High Profitability

    Financial Strength and High Profitability ROE 18.7% Tier 1 capital ratio 11.78% Liquidity coverage ratio 161% Ratio of provision for credit losses to credit to the public 1.53% NPL (ratio of non-accrual debts or debts 90 days past due or more to credit to the public) 0.60% Credit loss expense (incom

  3. Slide 3: Net Profit and ROE

    Net Profit and ROE Annual Quarterly 23.7% 21.3% 18.7% ROI 631 19.7% 587 17.0% Net 569 Profit 16.0% 2,172 499 16.6% 455 14.7% 1,667 1,405 2.96% 3.21% 50% 2.93% 1.57% 1.18% 2021 2022 2023 Q1.23 Q2.23 Q3.23 Q4.23 Q1.24 28% 27% 3 FIBI

  4. Slide 4: High Financial Strength

    High Financial Strength Tier 1 capital ratio 11.46% 11.35% 11.35% 11.78% 10.42% 10.55% 10.64% 10.84% Gap above 3.21% 2.11% 2.11% 2.53% the regulatory 1.18% 1.31% 1.40% 1.60% requirement 2021 2022 2023 Q1.23 Q2.23 Q3.23 Q4.23 Q1.24 Comprehensive capital to risk assets ratio Liquidity coverage ratio 1

  5. Slide 5: Quality credit portfolio while maintaining high provision buffers

    Quality credit portfolio while maintaining high provision buffers Ratio of provision for credit losses to credit to the public Credit loss expenses (income) (balance sheet and off-balance sheet) 0.25% 0.33% 0.55% 0.55% (0.01%) 1.50% 1.50% 1.53% 1.37% 1.17% 1.23% 1.13% 1.12% 0.56% 0.46% 0.37% 2021 20

  6. Slide 6: Principal Income Statement Information

    Principal Income Statement Information Financing income from current activities (NIS millions) Total income before provision for credit losses (NIS millions) 6,618 5,151 5,414 1,700 1,735 1,332 1,350 1,601 1,582 1,581 1,268 1,200 1,164 4,550 4,016 2,844 2021 2022 2023 Q1.23 Q2.23 Q3.23 Q4.23 Q1.24 Q

  7. Slide 7: Total Operating Expenses and Efficiency Ratio

    Total Operating Expenses and Efficiency Ratio Total operating and other expenses (NIS millions) 2.96% 2,755 2,877 2,652 50% 2.93% 3.21% 1.57% 724 740 733 1.18% 731 680 28% 27% 2021 2022 2023 Q1.23 Q2.23 Q3.23 Q4.23 Q1.24 Efficiency ratio 58.3% 45.8% 46.2% 42.6% 42.7% 43.0% 50.9% 43.5% Q1.23 Q2.23 Q3

  8. Slide 8: Credit Portfolio by Segment, End of Period (NIS billions)

    Credit Portfolio by Segment, End of Period (NIS billions) Small & micro Credit portfolio mix 31.3.24 businesses Housing loans Private customers 35.5 35.5 35.6 Large Private businesses customers 23.6 22.3 22.6 (incl. 20.9 institutions) 19% 18.1 18.2 29% 49% Private customers, 31.3.23 31.12.23 31.3.24

  9. Slide 9: Client Asset Growth

    Client Asset Growth Midsize Small & micro Private customers Total businesses businesses 153 161 140 70 75 60 11 12 12 50 53 720.4 45 671.7 5 5 6 19 24 27 80 84 86 7 7 7 26 27 27 584.0 31.3.23 31.12.23 31.3.24 31.3.23 31.12.23 31.3.24 31.3.23 31.12.23 31.3.24 523.8 Financial 480.6 Large businesses 41

  10. Slide 10: Capital, Balance Sheet and Dividend Yield

    Capital, Balance Sheet and Dividend Yield(NIS millions) Equity attributable to shareholders Dividend distribution by quarter/ dividend yield Balance Equity attributable to 6.30% 6.60% shareholders of the Bank 6.00% 5.60% 5.3% Dividend 225.9 yield 798 221.6 268 269 220 220 169 228 204.3 Supplementat

  11. Slide 11: New at FIBI

    New at FIBI Establishment of special funds for Deposit Plus members of the standing army and The Selected Club Structured Dollar Deposit reservists Portfolio Management The Bank established 2 dedicated The Selected Club is a groundbreaking A structured deposit in USD for a two-year The “One-Year Dep

  12. Slide 12: Digital Product Launches and Innovations

    Upgraded user experience – Launch of a new chatbot recommendations interface system on the website and app on the app Foreign currency Non-bank credit card transfers to capital information market customers Digital Product Launches and Innovations 12 FIBI

  13. Slide 13: Digital Product Launches and Innovations

    Capital Market Website 3.0 Digital Product Raise the credit limit for credit Launches cards and Innovations Mortgages – Uploading documents via the customer’s private area ESG Report and Score were added to the app and website 13 FIBI

  14. Slide 14: Appendices

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  15. Slide 15: Condensed Income Statement Q1.24 (NIS millions)

    Condensed Income Statement Q1.24 (NIS millions) Q1.24 Q1.23 Change % change Interest income, net 1,115 1,275 (160) (12.5%) Non-interest financing income 100 36 64 177.8% Net financing income 1,215 1,311 (96) (7.3%) Credit loss expenses (income) (income of 0.01% compared to expenses of 0.55% in the p

  16. Slide 16: Condensed Income Statement Q1.24 (continued)

    Condensed Income Statement Q1.24 (continued) Q1.24 Q1.23 Change % change Total operating and other expenses 731 724 7 1.0% Salaries and related expenses 442 449 (7) (1.6%) Maintenance and depreciation of premises and equipment 87 84 3 3.6% Amortization and impairment of intangible assets 31 30 1 3.3

  17. Slide 17: Disclaimer

    Disclaimer . Without derogating from the generality of the provisions contained in the Terms of Use as published on the website of The First International Bank of Israel Ltd. (the “Bank” and/ or “FIBI”), this presentation and its contents were prepared by the Bank for its exclusive use as part of th

  18. Slide 18: Thank You

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