First International Bank Of Israel Ltd · TASE:FIBI
First International Bank Of Israel — The First International Bank of Israel — Q2 2025 Earnings Presentation
18 slides from First International Bank Of Israel's earnings presentation, 2025
Slide 1: Financial Results Quarterly Review Q2-2025
The document can be viewed on the International Bank website FINANCIAL RESULTS Quarterly Review Q2-2025
Slide 2: 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
Slide 3: Key Highlights from the Financial Statements
Key Highlights from the Financial Statements Net Profit and Increased Growth Credit portfolio quality Dividend and Capital Efficiency AUM crossed the 1 trillion NIS Low and decreasing NPL – stood at Dividend payout 0.46% in the second quarter vs. 0.59% ratio – 50% (NIS 319 Millions) Record quarterly
Slide 4: Growth, Profitability and Financial Stability
Growth, Profitability and Financial Stability 4-6.2025 1-6.2025 ROE 18.3% 17.1% Credit loss expense (income) ratio (0.05%) (0.04%) Efficiency ratio 43.1% 45.2% Credit growth (12% annual growth) 2.3% 4.3% Deposit growth (10.3% annual growth) 1.8% 4.8% Client asset growth (34.4% annual growth) 8.3% 21
Slide 5: ROE and Profit over time (in NIS Millions)
ROE and Profit over time (in NIS Millions) Quarterly Half Yearly 19.2% 17.1% 19.6% 19.4% 17.4% 15.7% 18.3% 1,178 1,167 637 609 620 573 530 Q2.24 Q3.24 Q4.24 Q1.25 Q2.25 H1.24 H1.25 5
Slide 6: Continuous Financial Strength
Continuous Financial Strength Tier 1 Capital Ratio Comprehensive capital to risk assets ratio 11.34% 11.41% 11.31% 11.31% 11.54% 14.03% 13.79% 13.55% 13.48% 13.68% 2.31% 1.53% 1.05% Gap above the 2.10% 2.18% 2.08% 2.08% 1.29% 0.98% 1.18% regulatory requirement Q2.24 Q3.24 Q4.24 Q1.25 Q2.25 Q2.24 Q3.
Slide 7: Principal Income Statement Information
Principal Income Statement Information Financial Total Income Earnings 1,144 1,171 1,167 1,154 1,182 * 2,284 2,336 * Before Provision for from Current Credit Losses 3,509 * Activity Excl. CPI (NIS millions) 1,817 1,841* 3,220 1,639 1,709 1,668 (NIS millions) Q2.24 Q3.24 Q4.24 Q1.25 Q2.25 H1.24 H1.25
Slide 8: Provision for Credit losses and Credit Quality Indices
Provision for Credit losses and Credit Quality Indices Provision for credit losses Ratio of 1.44% 1.41% 1.38% provision 1.36% 1.33% for credit losses (0.24%) 0.07% 0.11% (0.03%) (0.05%) to credit to the public 0.13% 0.08% 0.07% Q2.24 Q3.24 Q4.24 Q1.25 Q2.25 0.01% NPL* (0.01%) 0.59% (0.02%) (0.06%) 0
Slide 9: Operating Expenses & Efficiency
Operating Expenses & Efficiency Quarterly Half Yearly 777 792 793 1,585 732 737 1,463 Q2.24 Q3.24 Q4.24 Q1.25 Q2.25 H1.24 H1.25 45.4% 45.2% 47.5% 44.7% 42.8% 43.1% 43.1% Q2.24 Q3.24 Q4.24 Q1.25 Q2.25 H1.24 H1.25 9
Slide 10: Continuous Credit Growth
Continuous Credit Growth $40B 131 134 137 122 Growth in 102 117 119 Credit to the 92 Public (NIS Billions) 31.12.20 31.12.21 31.12.22 31.12.23 30.6.24 31.12.24 31.3.25 30.6.25 Private Customers 17% Large Businesses (Incl. Instittions) 36% Credit Portfolio Private customers June 30th 2025 Housing Loa
Slide 11: Credit Portfolio by Segment, end of period (NIS Billions)
Credit Portfolio by Segment, end of period (NIS Billions) Small & Micro Housing Private Businesses Loans Customers 35.9 36.4 36.7 37.6 18.3 18.2 18.5 18.6 23.4 22.8 23.3 23.1 30.6.24 31.12.24 31.3.25 30.6.25 30.6.24 31.12.24 31.3.25 30.6.25 30.6.24 31.12.24 31.3.25 30.6.25 Large Businesses Midsize (
Slide 12: AUM Growth Over Time
AUM Growth Over Time* $301B 1,015 937 839 AUM 755 672 Growth 530 601 560 790 716 (NIS Billions) 481 551 623 Securities 388 448 392 221 225 Deposits 142 153 168 191 204 215 2020 2021 2022 2023 30.6.24 2024 31.3.25 30.6.25 Private Customers Financial Institutions 38% Deposits 38% Portfolio 49% June 30
Slide 13: AUM end of period (NIS Billions)
AUM end of period (NIS Billions) Midsize Small & Micro Private Customers Businesses businesses 165 171 172 179 78 87 89 96 53 54 54 58 12 13 12 13 27 27 30 33 6 6 6 6 87 85 83 83 6 7 6 6 27 27 24 24 30.6.24 31.12.24 31.3.25 30.6.25 30.6.24 31.12.24 31.3.25 30.6.25 30.6.24 31.12.24 31.3.25 30.6.25 Fi
Slide 14: Capital Growth and Proprietary Portfolio
Capital Growth (in NIS Billions) Proprietary Portfolio Equity Attributable to shareholders Portfolio As of June 30th 2025 Balance Stocks & Corporate Bonds, 4% Equity Attributable to shareholders Bank Bonds, the Bank 6% 262.5 253.7 248.6 221.6 13.4 13.8 14.3 12.1 US Government Bonds, 33% Israel Gover
Slide 15: Dividend Distribution (NIS Millions) and Dividend Yield
Dividend Distribution (NIS Millions) Dividend Yield 6.3% 5.6% 5.1% *319 989 244 248 228 228 798 212 440 Profit distribution 40% 40% 40% 40% 40% 50% ratio allocated with respect to previous quarter profits Q2.24 Q3.24 Q4.24 Q1.25 Q2.25 Q3.25 2023 2024 30.6.25 *The Bank’s board approved a distribution
Slide 16: Innovations and Launches
Innovations and Launches
Slide 17: Digital launches and updates during Q2 of 2025
Digital launches and updates during Q2 of 2025 Updated Application New Banking Website Is in the process of being launched State of the art user experience, New and friendly Interface with emphasis Simple navigation, Personalized menu on Multibank & Banking insights and a design that is mobile adapt
Slide 18: Thank You
FPIBI 333 sai orisnact A Thank You
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